Simply Money

On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle one of the most common mistakes they see this time of year: letting taxes dominate your investment decisions. With tax season officially beginning January 26th and a slightly restructured tax code, they explore how fear of the IRS can lead investors to stay paralyzed—often sitting on highly appreciated stoc...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack a surprisingly low inflation report and what 2.6% core inflation means for your money and the Fed’s next move. They break down JPMorgan’s solid earnings and what it signals for the economy and markets, especially for high-net-worth investors. Plus, the FIRE (Financially Independent Retire Early) movem...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian talk with Allworth's Chief Investment Officer Andy Stout about why markets could get noisy this week—and what that means for high-net-worth investors. They also break down smart money moves to consider in 2026, including new retirement contribution limits and tax strategy shifts. Plus, they explore whether artific...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into a critical question: What does real financial success look like in 2026? It's not just about the size of your portfolio—it's about liquidity, confidence in your cash flow, simplicity, and the freedom to live on your own terms. They explore why being "rich on paper" might not mean flexibility in real life...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal why your retirement plan may no longer match your reality—especially after three strong years in the market and inflation sticking around 3%. Then, the millionaire’s income problem: building wealth was the easy part—how you draw it down could make or break your retirement. The guys dig into Roth...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian kick off the new year with the January Financial Stress Test: can your plan weather the unpredictability of 2026? With midterm elections looming, potential interest rate reversals, and market volatility ahead, they explore how to bulletproof your investments with strategies like bond duration diversification, buffered E...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal why January is the most strategic money month of the year. From harvesting capital gains and revisiting direct indexing strategies to maximizing donor-advised funds and managing idle cash, they break down the smartest financial moves you can make right now. Plus, they discuss why a bigger tax refund isn't necessa...

On this episode of Simply Money presented by Allworth Financial, Bob, Brian, and Allworth Chief Investment Officer Andy Stout dig into what the economy and the markets might hold in 2026. Plus, Bob and Brian dive into the cognitive and health risks of retiring too early, the financial tune-ups every empty nester should consider, and why having five advisors isn’t a financial strategy—i...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal the four hidden forces that influence every major financial decision — even for the most seasoned, high-net-worth investors. Whether it's fear, guilt, social pressure, or family history, these emotional undercurrents can derail smart planning. Hear real-life stories, and learn how to spot and navigate the s...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the traditional notion of retirement. Is it really about never working again? Or is the real dream having the freedom to work on your terms? They dig into why more high-net-worth families are choosing “financial flexibility” over full retirement, how to plan for that transition, and the hidden tax...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore a simple phrase that could mean the difference between financial freedom and struggle: “the sooner the better.” They unpack new data around Gen X’s looming retirement crisis and what it means to be the first generation largely retiring without pensions. Then, they dive into a compelling new stu...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian take a deep dive into what really happened in 2025 — and why the investing fundamentals they shared all year long held up once again. From President Trump’s return and a new wave of tariffs, to a Federal Reserve caught between inflation and politics, to a stock market rally that rewarded patient investors &m...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down one of the biggest misconceptions in investing: risk. What most people think is risk—market ups and downs—is actually just volatility. The real risk? Overspending your retirement, missing out on growth, or playing it too safe. Bob and Brian walk through the critical differences, offer real-life ex...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian uncover the #1 mistake even successful savers and investors make: accumulating assets without a real strategy. They dig into what it means to truly have a plan — from organizing scattered accounts, to transitioning from mutual funds to tax-efficient ETFs, and dealing with concentrated stock positions using tools l...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian take a deep dive into the surprising ways your brain might be sabotaging your financial future. From action bias and overconfidence to herd mentality and confirmation bias, they reveal how emotional traps become even more dangerous the larger your retirement nest egg grows. You’ll also hear how childhood money les...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian expose the hidden financial risks that even financially comfortable families often overlook — like gaps in liability protection, cyber threats, and uncoordinated estate plans. They unpack why an umbrella insurance policy is a must-have, especially if your net worth has made you a target. Then, are your investments...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by Allworth’s Chief Investment Officer Andy Stout to unpack why the latest inflation report might not be as positive as it seemed — including how a government shutdown may have warped the data. Plus, what the SEC just approved that could revolutionize how traditional investments are processed, and...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore the hidden financial traps even the smartest, wealthiest investors fall into—often because of their own brains. From overconfidence and loss aversion to chasing performance and underestimating taxes, the co-hosts share real-life stories of multimillionaires who made emotional missteps that cost them dearly...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down a surprisingly tame inflation report that has Wall Street (and maybe the Fed) rethinking the pace of rate cuts in 2026. But don’t get too comfortable—there are warning signs in the job market that suggest the economy is cooling, not roaring. The guys explain what it all means for interest rates, y...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore a simple phrase that could mean the difference between financial freedom and struggle: “the sooner the better.” They unpack new data around Gen X’s looming retirement crisis and what it means to be the first generation largely retiring without pensions. Then, they dive into a compelling new stu...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore whether we’re living through another tech bubble — this time fueled by artificial intelligence. Is the massive investment in AI setting us up for a painful correction in 2026? They dig into market concentration, inflated valuations, and why companies like Nvidia, Oracle, and OpenAI are raising red fl...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the smartest money on Wall Street is bracing for volatility in 2026 — and why you should be too. With midterm elections looming, sticky inflation, and unpredictable earnings, investors with millions in the market need to prepare for a rockier road ahead. They outline what a “happy but exposed&rdq...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by a very special guest: Dr. Loretta Mester, former President of the Federal Reserve Bank of Cleveland and one of the most influential voices in monetary policy. Alongside Allworth's Chief Investment Officer Andy Stout, the team gets Dr. Mester’s exclusive insight on the Fed’s recent rate cut, whe...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Fed's latest interest rate cut—what it means for mortgages, savings rates, and why younger homebuyers may still feel squeezed. Then, they dive into a critical end-of-year financial planning reminder: take your required minimum distributions (RMDs) by December 31st or risk a 25% IRS penalty. They als...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian uncover the crucial differences between financial advisors who are just going through the motions and those truly playing offense—actively helping high-net-worth clients reduce taxes, build legacy plans, and take control of their financial futures. Learn the red flags that suggest your advisor may be stuck in the...