Prepare your retirement savings for the next downturn.

On this week’s Allworth’s Money Matters, Scott and Pat discuss how you can create a disciplined investment strategy. Scott and Pat advise a Denver man trying to save more and pay down a $450,000 mortgage. A caller is taking a $540,000 inherited IRA through probate. A man who has improved his credit score wants to know if he should refinance his mortgage. A California woman is expecting $1 million from a home sale and, having been burned by a financial advisor before, wonders how and where she should invest. A caller nearing retirement asks if there is a way around the Windfall Elimination Provision. Finally, a woman within six months of retirement asks how she should prepare. Ask a question by clicking here, or email Scott and Pat at [email protected].