Simply Money

On this episode of Simply Money presented by Allworth Financial, Bob and Brian dive into a temporary trade truce between the U.S. and China and what it means for investors. Plus, I Bonds are back in the spotlight—should you care? And Netflix announces a 10-for-1 stock split: is it a smart buy or just smoke and mirrors? Later, they explore the real costs—and surprises—of downsizing your home in ret...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal how some of today’s trillion-dollar giants—like Nvidia—quietly grew from obscurity to dominance, and how your diversified portfolio might have benefited all along. From Nvidia's 9-cent stock price in 2002 to its $200+ valuation today, this is a masterclass in patient investing and the power of diversification. Se...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian welcome former Cleveland Fed President Dr. Loretta Mester for a rare insider’s view into how interest rate decisions are made, why 2% inflation remains so elusive, and how the Fed stays focused amid political noise. She also recounts navigating the economy through COVID and shares what makes Ohio’s economy uniquely resi...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest Fed interest rate cut and what it means for your portfolio, borrowing costs, and the broader economy. They also spotlight Apple’s record-setting $4 trillion valuation, why it matters for your investments, and the behind-the-scenes changes happening in the S&P 500. Then, cybersecurity expert Dav...

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore the real-life signs that you may be the perfect fit for advanced financial planning — the kind that goes far beyond basic investment advice. From pre-retirees with complex portfolios to retired couples blindsided by unexpected tax bills, small business owners nearing a sale, and even widowed spouses navigating n...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why riding recent market highs could lead to costly mistakes—and what to do instead. They share year-end tax strategies, rebalance tips, and the smart way to donate appreciated stock. Plus, should annuities be the default in your 401(k)? A high-income caller gets expert advice on the Roth vs. pre-tax debate—and...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore how Cincinnati’s corporate powerhouses like GE Aerospace, Kroger, P&G, and Fifth Third Bank don’t just shape our city—they could be shaping your portfolio, too. They share the hidden risks of having too much exposure to one company and how to protect your nest egg while staying loyal. Then, the duo tackles o...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the myth of the "magic number" in retirement planning. Just because you've hit $2 million or even $5 million doesn’t mean your future is locked in. Plus, hear stories of high-net-worth individuals navigating the pitfalls of poorly structured wealth. Later, they discuss new research showing that early retiremen...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian talk with Allworth Chief Investment Officer Andy Stout about growing concerns in private credit—and whether investors should brace for more. They also dig into the rise of stock-heavy 401(k)s and what that means for your retirement strategy. Plus, why even wealthy savers may be missing the mark on retirement readiness,...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian ask, “What’s the damage?”—diving into the subtle, often overlooked financial mistakes that can cost high-net-worth investors tens or even hundreds of thousands of dollars over time. From concentrated stock risk to missed Roth conversion opportunities during market downturns, they break down real-dollar examples that sho...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the recent crypto flash crash that wiped out billions in minutes—what caused it, and what it means for your money. Then, they explore the psychology behind checking your portfolio balance too often. Cybersecurity expert Dave Hatter joins to explain how an outdated home router could be the weak link in your fi...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what Fed Chair Powell’s latest comments mean for rates, inflation, and your money. They also dig into the 2026 tax brackets, smart Roth conversion moves, and the truth about “tax-free” Social Security. Plus, the guys answer listener questions on trusts, risk, and estate updates. Finally, Brian wraps with key...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian celebrate the third birthday of the latest bull market — and reflect on what an 85% rise in the S&P 500 since 2022 really teaches long-term investors. Then, they explore a hidden risk for high-net-worth investors: complacency. When your wealth grows, it’s easy to think it’ll manage itself. Bob and Brian share how re...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian talk with Allworth’s Chief Investment Officer Andy Stout about what caused Friday’s market sell-off — from tariff saber-rattling to China’s rare earth restrictions — and why none of it is truly “new.” Andy shares what to watch in the week ahead, including CPI data, earnings season, and a government shutdown. Plus, why s...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian James reveal how trillions in family wealth could quietly end up with the IRS instead of your heirs. They explain why a will isn’t enough, how advanced estate planning tools like trusts and gifting strategies can protect your legacy, and why communication among family members matters just as much as the money. See omnys...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian warn against the “paper wealth trap” — mistaking market highs for lasting financial security. They break down how to turn temporary gains into durable wealth with proper liquidity, diversification, and planning. You’ll also hear why buffered ETFs are drawing billions from investors — and when they actually make sense. P...

On today’s episode of  Simply Money presented by Allworth Financial , Bob and Brian explain why your emergency fund might be the most powerful part of your financial plan — no matter your net worth. Then, learn how to keep the IRS from eating away at your stock gains with smart cost-basis and timing strategies. Plus, Better Business Bureau President Jocile Ehrlich warns about new scams — from fake...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into the ongoing government shutdown and the financial ripple effects it could cause. Then, they expose the four-letter word quietly eating away at your wealth and how to make sure you’re actually getting value for what you pay. Plus, real estate expert Michelle Sloan shares whether Cincinnati’s housing market is co...

On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian discuss the government shutdown, and dive into how diversification in the S&P 500 is quietly making a comeback as the so-called "Magnificent Seven" lose steam. Then, they explore how two families with the same wealth can have totally different outcomes—because of planning. Plus, your questions answered: structure...

On this episode of Simply Money presented by Allworth Financial, Bob and   Brian bust some of the biggest money myths that could sink your financial future — from “I’ll just work forever” to “downsizing my house will give me a windfall” to “Medicare will cover long-term care.” They’ll explain why these assumptions can derail even the best-laid retirement plans and how to replace wishful thinking w...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian tear into the latest batch of financial fear-mongering—those breathless headlines about shutdowns, gold spikes, Bitcoin surges, and the so-called "Wall Street fear index." They explain why these narratives often lack critical context and what really moves markets long term. Plus, they tackle open enrollment with smart,...

On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian explain why most of the government keeps running during a shutdown—and why investors shouldn’t panic. Plus, wealthy Americans are giving less to charity. We unpack the reasons and show you smarter ways to give using donor-advised funds and IRAs. And—what’s the best financial advice people ignore? We share the simple...

On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack the “smart-sounding” money advice that can quietly sabotage your future—from skipping Roth conversions and “going broke safely” in cash, to one-fund DIY investing without a plan, estate-planning myths that lead to probate messes, and being sold permanent life insurance instead of building a tax-smart strategy. Th...