On this week\u2019s Money Matters, Scott and Pat help a man align his risk tolerance with current market volatility.\xa0 They give honest advice to a caller who thinks his friend should move some money from bonds to cash.\xa0 A retired member of the military wants to know what kind of universal life insurance policy to buy.\xa0 A Georgia woman wonders where to transfer her old HSA. \xa0And Scott and Pat explain why tax time should be all the time.\xa0\nJoin Money Matters:\xa0 Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. You can also be on the air by emailing Scott and Pat at questions@moneymatters.com.