Financial Planning Strategies for Freedom, Flexibility, and Smarter Investing

Allworth Financial‘s Money Matters

Allworth Financial

Investing, Business:investing, Business

4.9 • 782 Ratings

🗓️ 6 December 2025

⏱️ 60 minutes

🔗️ Recording | iTunes | RSS

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Summary

On this week’s Money Matters, Scott and Pat help a caller streamline her financial life by consolidating accounts — discussing key differences between IRAs and 401(k)s, asset protection considerations, and how annuities can fit into a broader financial planning strategy for long-term freedom. Next, they talk with a caller navigating what to do with a $1 million 401(k) after a career transition. Scott and Pat break down the pros and cons of rolling funds into an IRA versus keeping them in an employer plan, with an eye on long-term tax flexibility, investment control, and strategic financial planning. Finally, Allworth’s Head of Wealth Strategies, Victoria Bogner, joins the show to share powerful financial planning insights — including strategies for handling stock options, Roth conversions, tax-loss harvesting, donor-advised funds, and how business owners can better position themselves for lasting financial flexibility. Join Money Matters: Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here. You can also be on the air by emailing Scott and Pat at [email protected]. Download and rate our podcast here.

Transcript

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0:00.0	Would you like an opinion on a financial matter you're dealing with?
0:09.0	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.
0:19.0	Call now at 83399 Worth. That's 83399 W-O-R-T-H.
0:26.5	Welcome to All-Worth's Money Matters, Scott Hanson.
0:28.9	Pat McLean, thanks for joining us. Yes, we're glad to have you with us as we talk about financial matters.
0:34.1	We're nearing the end of the year, which is good, I guess.
0:38.9	2025. It's funny, which is good, I guess. 2025.
0:39.9	It's funny.
0:41.3	I was, Pat, I was the other day, I was entering something on the date, my date of birth.
0:48.1	The date.
0:50.6	Remember, for a long time, it was four digits.
0:52.3	You had to do the four digits because the Y2K thing, the 1999.
0:55.7	Yeah.
1:10.9	It's just 25 years since the whole Y2K thing. Do you remember the... Of course, I remember how the world was going to come to an end? I remember the calls we had on this program. Yeah. You guys don't get it. Yeah. Well, I don't... We didn't get it. There's many things I don't get As I get older
1:12.0	One of them
1:12.7	I don't really get
1:14.5	Bitcoin Yeah, we didn't get it. There's many things I don't get as I get older.
1:12.1	One of them I don't really get Bitcoin.
1:16.0	It kind of seems like how banks used to issue their own currencies back in the day before all the banks closed down.
1:22.8	It just kind of seems that way to me.
1:26.0	You can say whatever you want about limited supply or not limited supply or about blockchain.
1:31.8	Let's talk a bit about, well, blockchain, it used to be an argument that I'd ask like,
	...

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