Tax Strategy, Life Insurance Mistakes, and Smart Investment Placement

Allworth Financial‘s Money Matters

Allworth Financial

Investing, Business:investing, Business

4.9 • 782 Ratings

🗓️ 4 October 2025

⏱️ 52 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

On this week’s Money Matters, Scott and Pat break down just how complex the tax system has become—and why staying ahead of the changes matters more than ever. You’ll hear from one caller trying to track down the value of old savings certificates from the 1980s, another wrestling with how to allocate investments for better tax efficiency, and a listener who made major changes after Scott and Pat helped him realize the true cost of a Variable Universal Life (VUL) insurance plan. If you’ve ever wondered whether your tax strategy is working for you—or against you—this one’s for you. 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?
0:04.4	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.
0:14.7	Call now at 83399 Worth. That's 83399 W-O-R-T-H.
0:22.6	Welcome to Allworth's Money Matters, Scott Hanson.
0:25.0	Matt McLean. Glad you are with us, myself, and my co-host here. We're both financial advisors.
0:30.8	And I've been doing this for a long time. And I'd like to talk about our whole goal is to
0:35.6	help people make wise choices with their money.
0:42.2	And it's not about, this program is not about, oh, here's the latest best investment.
0:49.5	And it's sometimes it's a forum for me to talk about things that are bothering me that I just don't understand.
0:53.1	So this is how we're going to start this show today, if that's okay.
0:54.3	Perhaps. Is it somewhat related to the world of show today, if that's okay. Perhaps.
0:57.6	Is it somewhat related to the world of finance and investments?
0:58.2	Oh, no.
1:00.5	It has everything to do with my cell phone.
1:01.8	Yes, it's related.
1:03.2	Making sure.
1:04.7	Finance and invest.
1:05.7	Well, you know. Well, it just reminded me the high, I saw this article in the last couple of weeks.
1:11.2	High earners age 50 and older, about to lose a major 401k tax break.
1:15.2	I saw that headline.
1:16.5	And then I read it.
1:17.8	And then I thought, you know, where's the simplification of the tax code?
	...

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