Money Matters by Allworth Financial

How to react to financial news, advice on dividend stocks, and guidance on a pension payout.

23 Jul 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat explain why they spend less time on financial news, and more time on your response to it. They advise a ...

A lesson on bonds, when to do Roth conversions before taking Social Security, and the importance of ignoring the noise.

16 Jul 2022

Contributed by Lukas

Do the markets have you feeling nervous? On this week’s Money Matters, Scott and Pat explain why it’s so important to ignore the current financial...

When insurance is crucial, the beauty of the backdoor Roth, and separating retirement fact from fiction.

09 Jul 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat spell out what you absolutely need insurance for.  Then, they walk a caller through the process of doin...

When a down market is healthy, and why the answer to the most common question about retirement is a complicated one.

02 Jul 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat explain how the financial pain we are feeling right now could be good for us in the long run. Plus, why ...

Extracting the bull from bear markets, the risk of taking money from a Roth IRA, and how to find the right financial advisor.

25 Jun 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat extract the bull from bear markets.  Then they offer honest advice to a 61-year-old who got spooked and...

Putting scary market headlines under the microscope, calculating a hedge for inflation, and the journey of a man who sought out investment advice from a dozen firms.

18 Jun 2022

Contributed by Lukas

On this week’s Money Matters, Scott, Pat and Allworth’s Chief Investment Officer Andy Stout put recent scary market headlines under the microscope...

Why smart people make poor financial decisions, help with a rollover IRA, and is a dream retirement in Florida achievable?

11 Jun 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat talk to an expert about why smart people make poor financial decisions.  You’ll hear advice for a man...

Perspective on market volatility, a question about life insurance, and an IRA that’s bleeding money

04 Jun 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat explain why history will show that recent market volatility is temporary. Then they help a woman with an...

The impact of good financial planning during turbulent times, COVID’s influence on a pension, and can we buy our dream home?

28 May 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss the impact that good financial planning is having during these turbulent times. Then, they provi...

The real reasons for inflation, a warning about 401(k) loans, and what a pig farmer can teach you about investing

21 May 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat explore the real reasons for inflation with one of the world’s leading authorities on monetary policy ...

A perfect example of financial planning, and a house call to a man who “accidentally retired”

14 May 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat utilize a financial planning technique to get to the bottom of a man’s question about social security....

Wall Street whiplash, concerns about bonds, and how a few extra years of work can really pay off

07 May 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss Wall Street whiplash and what it means for long term investors. Then they provide advice for a w...

Money markets, mortgages, marriage and more!

30 Apr 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat give advice to a recently married man thinking about investing $500,000 in cash into real estate. Then t...

Financial security, Roth conversions, and I’ve got stock - what should I do with it?

23 Apr 2022

Contributed by Lukas

On this week’s Money Matters, want financial security? Scott and Pat discuss the responsibility needed to attain it.  Plus, advice for a retiree th...

Inflation, the wild real estate market, and honest conversations about taxes, investments, and retirement.

16 Apr 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss red-hot inflation and its impact on the real estate market.  Then they offer guidance to a youn...

A deep dive into the 401(k), and we said pay off your mortgage. Did he take the advice?

09 Apr 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss the creative ways people are paying off student debt after they’ve taken vows of poverty.  Yo...

Fighting inflation, a warning about an inheritance, and the man who blew all his money because he “thought” he was dying

02 Apr 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat help a father of five who is worried about inflation gobbling up his $100,000.  Then they explain why p...

What financial security feels like, and when to access money you don’t need right now

26 Mar 2022

Contributed by Lukas

On this week’s Money Matters, what does having financial security feel like? Scott and Pat define the emotion.  Then they advise a man who can live...

Big swings on Wall Street: a reality check

19 Mar 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat put wild swings on Wall Street into perspective. Then they help a man sort out tax implications after hi...

Car prices, high-dividend stocks, and reallocating a risky portfolio.

12 Mar 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat begin the show by discussing the premium prices being paid for new and used automobiles. They then take ...

The impact of the war in Ukraine, life insurance, and recovering from numerous financial mistakes.

05 Mar 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat begin the show by discussing the global economic impact of the war in Ukraine. A caller wants to know if...

Conflict in Ukraine: Remain Calm

26 Feb 2022

Contributed by Lukas

On this special edition of Money Matters, Scott and Allworth’s Chief Investment Officer Andy Stout explain why the key is calm during conflicts like...

”An 11 year old told me to invest in crypto.”

19 Feb 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat talk inflation.  Then Scott shares what he said to an 11-year old who told him he needed to invest in c...

“An 11 year old told me to invest in crypto.”

19 Feb 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat talk inflation.  Then Scott shares what he said to an 11-year old who told him he needed to invest in c...

A bullseye on target-date funds

12 Feb 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat explain why “it makes no sense” to have a target date fund outside of a retirement account.  Then t...

Stock market volatility, advice on buying rental property, and a lesson in cryptocurrency.

05 Feb 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat kick off the show by discussing the impact that social media stocks are having on market volatility. A w...

Choosing between an IRA or state pension, investment alternatives, and the collapse of Peloton stock

29 Jan 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat begin the show by answering a question about the tax implications of choosing between a state pension an...

Market corrections, low-tax states for retirement, and living wills and trusts.

22 Jan 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat begin the show by discussing market corrections before taking a call from a great saver about investing ...

The COVID resistant market, savings advice for late bloomers, and required minimum distributions.

15 Jan 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat begin the show by discussing the seemingly COVID-resistant stock market. A married caller with high inco...

Family financial conversations, money from an inheritance, and an overview of SEPs.

08 Jan 2022

Contributed by Lukas

On this week’s Money Matters, Scott and Pat begin the show by discussing some recent conversations they’ve had with their own families about money...

Financial resolutions for the New Year, debt management, and Indexed Universal Life

01 Jan 2022

Contributed by Lukas

On this New Year’s 2022 edition of Money Matters, Scott and Pat discuss keeping financial resolutions, before advising a caller who is curious about...

This “best of” Money Matters includes calls about liquidating annuities, high mutual fund fees, and investment conflicts.

25 Dec 2021

Contributed by Lukas

On this week’s special “Best Of” Money Matters, Scott and Pat advise a New Jersey caller who wants to liquidate a $130,000 annuity. A caller wan...

Record inflation, building long-term wealth, and converting a term life insurance policy.

18 Dec 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat advise a 28-year-old California caller earning $120,000 a year and who wants to create some additional r...

Elusive financial confidence, taxation on life insurance, and liquidating a large annuity.

11 Dec 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat debate what it means to have financial confidence before advising a caller about paying income tax on a ...

The impact of omicron, pros and cons of inflation bonds, rental property, and excess debt.

04 Dec 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat advise a caller who wants to know about inflation bonds, then answer a question from a South Carolinian ...

Start-ups, non-profits, 529s, and choosing between a 401(k) and a brokerage account.

27 Nov 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat advise a teacher from New York who wants to start a business. A caller who received a $300,000 inheritan...

Rising home prices, the impact of inflation, and long-term care insurance.

20 Nov 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat advise a caller who has lived in Yosemite for 30 years, saved well, but can’t quite afford a long-term...

The Rivian electric vehicle IPO, retirement account distribution strategies, and the downside of universal life insurance policies.

13 Nov 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss the record-setting Rivian electric vehicle IPO, before taking a call from a Georgia woman who wa...

Overseas stock sales, delaying Social Security, and the ProShares Bitcoin Strategy ETF.

06 Nov 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat advise a caller from Columbia about paying capital gains taxes on an overseas stock sale. A California m...

Low interest rates, Tesla at $1 trillion, and a Trump SPAC

30 Oct 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss how long-term investors can invest during this unusual inflationary environment. Scott and Pat a...

Questions for a global minimum tax

23 Oct 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss the potential implications of a global minimum tax. Scott and Pat advise a caller looking for a ...

The shadow inflation problem

16 Oct 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss the surprising reasons why inflation is higher than the news indicates. Scott and Pat advise a n...

The cheap debt conundrum

09 Oct 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat explain how low interest rates impact equities, the housing market, and the strange investment trends of...

Expect rising insurance costs

02 Oct 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss the two key reasons they expect insurance costs to rise. Scott and Pat advise a New Jersey woman...

Gold versus inflation

25 Sep 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat break down the myth linking gold prices with high inflation. Scott and Pat advise a caller from New Zeal...

Tax increases and your changing financial plans

18 Sep 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss which tax changes may result from the $3.5 trillion reconciliation bill and how savers can prepa...

A new home with no proof of income.

11 Sep 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss their concerns about higher home prices and why young savers should utilize Roth 401(k)s. Scott ...

There’s no such thing as a “Free Lunch.”

04 Sep 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat invite Allworth Financial’s Chief Investment Officer Andy Stout on the show to discuss the markets, in...

Annuities inside 401(k)s

28 Aug 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss the soaring used car market and speak with a caller who is considering buying a $100,000 annuity...

Planning for future tax changes.

21 Aug 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss the challenges of making a Roth conversion decision and why some online retirement calculators m...

Rolling a truck through a loophole.

14 Aug 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss the reasons why Special Purpose Acquisition Companies can be ripe for fraud, and why one electri...

A half-trillion-dollar wipeout

07 Aug 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss China’s crackdown on technology and education companies and how that hurts American investors....

Buy, borrow, die

31 Jul 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss how company founders borrow against their stock to live tax-free, why some ordinary investors at...

The 2% plummet

24 Jul 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss the stock market’s recent turbulence and how the media can sensationalize minor price swings. ...

Deciding when to sell an asset.

17 Jul 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss the one question to ask yourself if you’re struggling to decide whether to hold or sell an ass...

Learning from your investment history

10 Jul 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss how your experience investing during the pandemic can help guide future financial decisions. Sco...

The myth of “unleashing” home equity

03 Jul 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat answer why using your home’s equity for other investments can come back to bite you. Scott and Pat adv...

Quantitative easing and interest rates

26 Jun 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat revisit some of the best calls from the year before moving on to discuss the long-term impact of the Fed...

When the ducks quack...

19 Jun 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss the fundamental problems with cryptocurrencies, and Special Purpose Acquisition Companies, and w...

Taking care of your pets and your finances

12 Jun 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss why people actually have an easier time taking advice about their pets than for themselves. Scot...

Vetting your financial advisor

05 Jun 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss how clients can research their financial advisor’s background and why it’s so important. Sco...

The best calls from recent programs

29 May 2021

Contributed by Lukas

On this best-of Money Matters, Scott and Pat revisit some of the most popular calls from recent broadcasts.   Scott and Pat advise a United States Ma...

Stock picking and coin flipping

22 May 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss the key reasons why popular investment fund managers have trouble repeating stellar returns. Scott...

Volatility returns to the stock market

15 May 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss why they are concerned about the fact that more savers are pouring money into speculative investme...

Cryptocurrency and Greater Fools

08 May 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss Dogecoin’s mind-boggling rise and why the increased speculation on cryptocurrencies parallels th...

The challenge of tax planning.

01 May 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss who should prepare for future tax changes before interviewing Andy Stout, a CFA and the CIO of All...

Retirement planning when life happens

24 Apr 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss how good financial plans adapt to the ups and downs of life, and take calls about money and retire...

This too shall end.

17 Apr 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss the challenge of rebalancing your investments when the stock market has performed well. Scott and ...

Ballooning national debt and the risk to retirees

10 Apr 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss the reasons why America’s rapidly growing debt could hurt retirees. Scott and Pat advise a calle...

The allure of a risk-free retirement

03 Apr 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss the unsavory ways some financial advisors are promising to help investors “retire without risk.”...

Could Tesla become a Blockbuster?

27 Mar 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss the long-term problems with “momentum investing,” and why Blockbuster is a good illustration o...

The swings and fascinations of this year’s financial markets.

20 Mar 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss new investment schemes and shiny object scams that are good for TV ratings but will likely end p...

The so-called relief bill

13 Mar 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss the potential long-term consequences of the $1.9 trillion stimulus package. Scott and Pat advise a...

Silicon Valley wages in rust belt towns.

06 Mar 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss why more cities are paying remote workers to relocate.   Scott and Pat advise a Colorado man with...

There is no silver bullet investment.

27 Feb 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss an alleged $1.8 billion Ponzi-like scheme and how unsuspecting investors lost their retirement sav...

The SPAC Boom

20 Feb 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat explain the surge of Special Purpose Acquisition Companies and how it could transfer even more wealth from...

The costs of free stock trading

13 Feb 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss the free stock trading boom and who will ultimately get hurt. Scott and Pat speak with a father wh...

The right and wrong ways to refinance

06 Feb 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss the scenarios where refinancing a mortgage could hurt your retirement. Scott and Pat advise a Cali...

Mortgaging the future

30 Jan 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss how listeners can plan for Social Security’s funding crisis, the impact of low-interest rates ...

Lack of opportunity and disposable income

23 Jan 2021

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss one of their favorite tax-savvy investment strategies and the key factors driving this bull mark...

Free money and no-interest mortgages

16 Jan 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss how low-interest rates are driving the market and why a Danish bank is offering 20-year mortgages ...

You cannot time the market

09 Jan 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss the stock market’s perplexing surge, how bubbles have historically formed, and how disciplined i...

Big financial resolutions versus incremental changes

02 Jan 2021

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss things you can do to improve your finances right from the beginning of the year, and then look bac...

The heartwarming calls from 2020

26 Dec 2020

Contributed by Lukas

On this week's Money Matters, Scott and Pat look back at calls from listeners looking to give back, start new businesses, and help their families. Sco...

Where Donor Advised Funds are helping.

19 Dec 2020

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss the promising ways that charitable giving changed in 2020. Scott and Pat advise a caller concerned...

Why we’re donating $1 million to help foster children.

12 Dec 2020

Contributed by Lukas

On this week's Money Matters, Scott publicly discusses his experience as a foster parent for the first time. Scott and Pat then announce a new philant...

When stock prices grow faster than earnings…

05 Dec 2020

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss end-of-year tax planning considerations in this uncertain political season, along with the reasons...

A savings method that you may miss

28 Nov 2020

Contributed by Lukas

On this week's Money Matters, before taking your calls, Scott and Pat discuss the hidden benefits of Health Savings Accounts. A Minnesota caller who’...

Financial advice from California to Guam

21 Nov 2020

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss new bi-partisan retirement legislation making its way through the United States Congress, and then...

Are you smarter than the market?

14 Nov 2020

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss the new ways that traders are trying to outsmart the broad stock market and the fundamental truths...

Politics, your investments, and what really matters

07 Nov 2020

Contributed by Lukas

On this week's Money Matters, Scott and Pat interview Andy Stout, CFA, the Chief Investment Officer of Allworth Financial. They have a wide-ranging co...

Ambient emotions and your financial decisions

31 Oct 2020

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss the ways that temporary pandemic stress can affect your long-term financial decisions.   Scott an...

A Fool’s Game

24 Oct 2020

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss the challenges of making financial decisions with aging parents and speak with several callers con...

The early retirement “choice.”

17 Oct 2020

Contributed by Lukas

On this week's Money Matters, Scott and Pat discuss the pandemic's uneven economic effects and the reason why the cost of refinancing a mortgage will ...

Is COVID-19 changing the way you think about money?

10 Oct 2020

Contributed by Lukas

On this week’s Money Matters, Scott discusses his experience contracting COVID-19. Scott and Pat also take several calls from investors who are cons...

Calls about the pandemic and possible new retirement goals

03 Oct 2020

Contributed by Lukas

On this week’s Money Matters, Scott and Pat look back at a few memorable calls from the height of the pandemic, before discussing some of the key re...

Day traders, options, and a soaring stock market

26 Sep 2020

Contributed by Lukas

  On this week’s Money Matters, Scott and Pat discuss how options and online traders are boosting stock prices, and how that trend may end.   Scot...

Are we in another dot-com bubble?

19 Sep 2020

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss the Snowflake IPO, high valuations, and how to protect your retirement through the market’s up...

Rising home prices and negotiable rents

12 Sep 2020

Contributed by Lukas

On this week’s Money Matters, Scott and Pat discuss real estate market trends and some concerning long-term economic risks. Scott and Pat advise a m...

Clarity returns to the stock market

05 Sep 2020

Contributed by Lukas

On this week’s Money Matters, Scott and Pat explain how the recent stock market dip could benefit long-term investors. They also break down the esse...