Answering your tough financial questions for the past 26 years, it's Allworth's Money Matters, with co-hosts Scott Hansen and Pat McLean.

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's Money Matters. I'm Scott Hanson. I'm Pat McLean.

Glad you are with us as we talk about financial matters, both myself and my co-host here. We're both financial planners.

And I think that's probably the best choice to use, financial planners.

We've been doing this program for over 25 years and been practicing advisors for roughly 30.

And I think financial planning, it's interesting because Morning Star did a study.

Morningstar is the big research firm and that analyzes mutual funds and stocks.

Morningstar did a big study.

And Vanguard, the big mutual fund giant, did a big, did a study on what value a financial advisor can bring.

And the advice, the value that the study was not so much on the investment portfolios.

That was relatively small.

But there can be value there.

The value came in mainly two other areas.

One is the financial planning around the investment management.

What goes in an IRA? What goes inside a Roth? How do we have a money set up outside of

those retirement vehicles? What income streams do we have in retirement? Which accounts do we take

them from? How do we sequence those things?

When do we start Social Security?

All those other areas, that was the largest piece of value that was added.

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