Episode
Smart Tax Diversification & Roth Conversions
- Published
- Mar 7, 2026
- Duration seconds
- 3100
- Processing state
not_requested
Actions
POST https://stenobird.com/v1/public/podcasts/money-matters-by-allworth-financial-173477/episodes/smart-tax-diversification-roth-conversions/transcription-requests
Idempotently request low-priority transcript generation for this episode.GET https://stenobird.com/podcast/money-matters-by-allworth-financial-173477/smart-tax-diversification-roth-conversions.md
Read the agent-friendly Markdown representation of this episode resource.
Summary
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 [email protected]. Download and rate our podcast here.