Taxes, Direct Indexing in Real Life, and Pensions: Smarter Strategies for Retirement Wealth

Allworth Financial‘s Money Matters

Allworth Financial

Investing, Business:investing, Business

4.9 • 782 Ratings

🗓️ 30 August 2025

⏱️ 53 minutes

🔗️ Recording | iTunes | RSS

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Summary

On this week’s Money Matters, Scott and Pat explain how direct index investing can be used as a powerful tax strategy, helping you reduce liabilities while gaining more flexibility than traditional index funds. They also take listener calls on pension decisions, including whether to choose a lump sum or annuity, and how required minimum distributions factor into long-term planning. With real-world stories and clear guidance, Scott and Pat show why the right approach to tax planning and direct index investing can protect your retirement income and grow wealth for decades to come. 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	Hey, it's Scott Hansen here. We hope you're having a great Labor Day weekend. Pat and I are away, but we've got a great show plan for you. Give it a listen, and don't forget to follow us wherever you get your podcast. Would you like an opinion on a financial matter you're dealing with? Whether it's about retirement, investments, taxes, or 401ks. Scott Hanson and Pat McLean would like to help you by answering your call
0:22.7	to join Allworth's Money Matters. Call now at 83399 Worth. That's 83399 WR-T-H.
0:32.6	Welcome to Allworth's Money Matters, Scott Hanson.
0:35.1	Matt McLean, thanks for joining us.
0:40.9	Yeah, glad you are taking your time.
0:44.0	This program is about financial matters, both myself and my co-host.
0:49.0	We're both longtime financial advisors, and we've been doing this radio show,
0:51.8	a podcast for almost 30 years.
0:55.1	Talking about all kinds of things that are going on in the markets.
0:55.7	Yes.
0:59.5	And this too, good or bad shall pass.
1:05.5	Wherever we're at in the markets, good or bad, it shall pass.
1:09.8	I just, because everything reverts to its mean.
1:10.4	That's right. Everything reverts to its mean. That's right.
1:12.5	Everything reverts to its mean.
1:18.0	And I just, you know, been doing this in this industry for 35 years.
1:24.1	And I think of all the jubilant points in time where clients were so happy they were making so much money.
1:28.8	And I'd say, don't, don't get too excited in all the times when the markets were in turmoil and the world's coming to land and I said don't get too depressed and the good
1:34.6	investor is the one that walks in with a thesis an investment thesis which means typically an allocation
1:42.1	and if their money outside.
1:44.1	A strategy of how they're going to manage their money.
1:45.9	Yeah.
	...

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