Roth Conversion Strategy, Tax Planning and Wealth Transfer for High Net Worth Investors

Money Matters by Allworth Financial

Allworth Financial

Business, Investing, Business:investing

4.7 • 839 Ratings

🗓️ 28 March 2026

⏱️ 53 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

In this episode of Money Matters, Scott and Pat take calls from high-income listeners facing real financial crossroads—from deciding whether to return to work to navigating major portfolio and tax decisions. Along the way, they break down when a Roth conversion strategy makes sense, how taxes impact big financial decisions, and why timing and sequencing can have a long-term effect on wealth. The conversation also covers portfolio risk, income needs, and how to approach leaving money to the next generation without overcomplicating the process. Scott and Pat explain how a well-thought-out Roth conversion strategy fits into a broader financial plan that balances flexibility, taxes, and long-term goals. Join Money Matters: Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here. You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. 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?
0:08.9	Whether it's about retirement, investments, taxes, or 401Ks,
0:13.2	Scott Hansen and Pat McLean would like to help you by answering your call
0:16.6	to join Allworth's Money Matters.
0:19.0	Call now at 83399 Worth. That's 83399 W-O-R-T-H.
0:25.9	Welcome to Allworth's Money Matters, Scott Hanson. Pat McLean, thanks for joining us.
0:29.9	Yeah, glad to have you with us. Yeah, talking about financial matters. And we were recording this on, what, Wednesday, March 25th in the afternoon.
0:37.6	Yes.
0:37.9	And the reason I mentioned that is because the markets can change dramatically in a day or two
0:43.7	at post-recording.
0:45.0	Isn't it something?
0:46.4	It's got, it just, this last Sunday night, my wife and I were talking.
0:51.6	What are you baffled about with the markets?
0:53.6	Well, it just how quickly,
0:56.5	it could just how quickly things change. So we think about Sunday when there was, I remember what
1:05.3	threat it was. Yeah, it sounds like it feels like Trump is trying to control the markets.
1:10.4	The, the, had a conversation with clients this afternoon and I said, this president probably spends more time on Twitter.
1:22.0	No, I didn't say that.
1:23.9	He does, more time.
1:25.8	He spends a lot of time watching these markets he reacts to the markets
1:29.3	in terms of his right i don't know if that's like healthy or not i don't either for this what we've
1:33.8	got going on in the middle east i don't know either most americans like to see resolution my wife
	...

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