Making the Most of Roth Conversions, Donor-Advised Funds, and Bond Funds

Allworth Financial‘s Money Matters

Allworth Financial

Investing, Business:investing, Business

4.9 • 782 Ratings

🗓️ 13 December 2025

⏱️ 46 minutes

🔗️ Recording | iTunes | RSS

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Summary

In this episode of Money Matters, Scott and Pat explore three of the most underappreciated but powerful financial planning tools: Roth conversions, donor-advised funds, and bond funds. They break down when and how to use each of them—especially before year-end—to reduce taxes, improve portfolio efficiency, and boost long-term flexibility. You’ll hear real stories from listeners making million-dollar decisions, like whether to hire a financial advisor, how to prepare your spouse to take over financial responsibilities, and how to structure your retirement income when you’re asset-rich but cash-flow light. From strategic charitable giving to the surprising risks of individual bonds, this episode is packed with actionable insights. And if you think Roth conversions don’t apply to you… think again. 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?
0:09.2	Whether it's about retirement, investments, taxes, or 401ks, Scott Hanson and Pat McLean would
0:15.3	like to help you by answering your call to join Allworth's Money Matters.
0:19.5	Call now at 83399 Worth.'s 833 99 w o r t h h hath welcome to all worth's
0:27.4	money matters scott hanson pat mclean thanks for joining us yep here we are middle of uh december yes
0:33.4	years winding down yeah let's talk about financial matters we'll talk about a few year-end stuff because there's still, let's talk about financial matters.
0:40.1	We'll talk about a few year-end stuff because there's still time. Let's talk about the things that you should do between now and then.
0:45.3	A couple things.
0:46.2	And we beat on this every year.
0:48.3	Hopefully you've.
0:50.5	I have personally already done the stuff met with my accountants a couple weeks back.
0:59.0	I'm a financial advisor, so I don't have to meet with a financial advisor.
1:01.7	Although there are times, Pat, I actually think about maybe I should get my own financial advisor.
1:07.5	But I haven't part of of his I don't know
1:11.9	I have not done that
1:13.1	well the account thing
1:14.8	is a big deal
1:15.5	especially I've got
1:17.9	emails coming in and out
1:19.3	between clients
1:20.3	about Roth conversions
1:21.5	like do we know all your income
	...

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