The Magnificent Seven’s Market Risk, Early Retirement Planning, Roth vs. 401(k), and Portfolio Strategy

Allworth Financial‘s Money Matters

Allworth Financial

Investing, Business:investing, Business

4.9 • 782 Ratings

🗓️ 8 November 2025

⏱️ 57 minutes

🔗️ Recording | iTunes | RSS

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Summary

On this week’s Money Matters, Scott and Pat open the show with a look at the Magnificent Seven stocks. Is this tech dominance a warning sign or just the new market normal? They unpack what this concentration means for index investors and why historical perspective matters. Next, they take a call from a 56-year-old tech professional navigating a surprise layoff and considering early retirement. With over $2M in assets and plans to relocate, they walk through whether he can afford to stop working—or if some part-time income is essential. It’s a timely breakdown of early retirement math, real estate moves, and RSU liquidation strategy. The episode wraps with two strong planning discussions: a state employee navigating Roth vs. traditional 401(k)/457 contributions, and a retiree using a "bucket strategy" who wants feedback on portfolio structure. Scott and Pat debate risk tolerance, rebalancing, and why flexibility is key in retirement income planning. If you're exploring early retirement, weighing Roth contributions, or fine-tuning your investment drawdown plan—this episode is packed with actionable insights. 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?
0:06.4	Whether it's about retirement, investments, taxes, or 401ks.
0:10.6	Scott Hansen and Pat McLean would like to help you by answering your call to join Allworth's
0:15.6	Money Matters.
0:16.7	Call now at 83399 Worth.
0:19.5	That's 83399 W-WR-T-H. Welcome to3399 W-O-R-T-H.
0:24.1	Welcome to Allworths Money Matters, Scott Hanson.
0:26.4	Pat McLean, thanks for joining us.
0:28.0	Yeah, glad you're with us.
0:29.1	We're talking about financial matters.
0:32.8	Talking about current events and take your calls and get your opinion on give your give us give you our opinion on there we go how you should be thinking
0:44.9	about your finances yeah it's a it's an interesting uh this AI with the circular
0:50.2	investments is kind of I was thinking the same thing. Crazy. It's crazy. And you wonder,
0:57.3	is this a house built on sand? Well, the market's sure betting that it's going to be
1:04.2	transformational. Oh, I think it is. The question is, how transformational? Yeah, it's
1:09.8	interesting. So this last week, Pat, I had, well, if you look at, if you look at our own organization,
1:14.8	we have 550 employees somewhere in there, give or take.
1:18.0	And where we've used AI a little more heavily is on tools for some advisors.
1:25.4	There's some tools that help processes along.
1:29.3	Frankly, some of the stuff you call it AI.
1:31.5	It was just a, everything's AI now.
1:34.1	No one has a new software program.
	...

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