Roth Conversion Mistakes & the Real Value of a Financial Advisor

Is it possible to do a Roth conversion too early? In this episode of Money Matters, Scott and Pat break down why the timing of your tax planning matters just as much as the strategy itself. They answer real listener questions on navigating the retirement transition—from managing adjusted gross income, to understanding how a great financial advisor provides value beyond just managing a portfolio. Plus, Allworth Chief Investment Officer Andy Stout joins to discuss the 10-year Treasury yield hitting 5%, putting rising interest rates and government debt into historical perspective. In this episode, Scott and Pat discuss: Roth Conversion Timing: Why converting too early could unintentionally spike your healthcare premiums under the Affordable Care Act. The Value of Wealth Planning: What you should expect from an advisor beyond investment management, and how to evaluate fee structures. 5% on the 10-Year Treasury: Allworth Chief Investment Officer Andy Stout breaks down inflation expectations, Federal Reserve rate moves, and market volatility. National Debt & Entitlements: Putting modern government spending and Social Security concerns into long-term context.   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.