Would you like an opinion on a financial matter you're dealing with?

Whether it's about retirement, investments, taxes, or 401ks, Scott Hansen and Pat McLean would

like to help you by answering your call to join Allworth's Money Matters.

Call now at 83399 Worth.

That's 83399 W-O-R-T-H.

Welcome to All-Worth Money Matterers, Scott Hanson, Pat McLean.

Glad you are taking part of our program today as we talk about financial matters.

With myself and my co-host, we're both practicing financial advisors and been doing this program for 26 years.

Dressed your radio and I think we have a lot more podcast listeners now than we did before.

So glad you're joining us and we talk about financial.

If you're new to us, we talk about financial matters and take phone calls.

And if you want to join the program, our contact numbers, 83399 worth.

And we'll get you on.

And before we get started, Pat, I want to talk a little bit about, well, let me

tell us, read this, just tell you the story first.

And then we can talk about some learnings here. So this was, and I actually found this out of, read this, tell you the story first. And then we can talk about, um, okay, some learnings here.

So this was, and I actually found this out of, uh, there's a, uh, a Wall Street Journal

article, but this happened to do with Vanguard and they had a target date fund.

Okay.

So a target date fund is designed for somebody who's looking at their future,

they're going to retire. It's an easy way to manage it. Instead of putting your own

allocation together, you just say, well, I'm just going to buy into one fund. Let them do the

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