Episode Details

In this episode of Money Matters, Scott and Pat unpack why tax diversification is one of the most overlooked strategies in retirement planning. From a 70-year-old investor with $3.6 million mostly in traditional IRAs to a 55-year-old looking to retire early and start Roth conversions, they explore how tax diversification can help reduce lifetime taxes and create flexibility in retirement income.

You’ll hear discussions about:

-When Roth conversions make sense — and which tax bracket to target

-How much cash and bond exposure you really need before retiring

-The realities of the 4% rule

-401(k) vs. brokerage — and where bonds and equities should actually live

-How diversification protects your lifestyle, not just your portfolio

Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com.

Download and rate our podcast here.