March 7, 2026 - Money Matters Podcast | Allworth Financial

Smart Tax Diversification & Roth Conversions

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

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