Simply Money.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal the costly financial mistakes even successful investors can make, from concentrated investments and poor tax planning to holding too much cash and lifestyle creep. Plus, they explore the life decisions that can shape your wealth, explain when it’s time to review old insurance policies, and answer retirement questions about Roth conversions, Social Security, and leaving an inheritance your heirs can handle.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian look at whether higher Treasury yields should change your investment strategy, the growing concentration of the S&P 500, and why business owners need to start planning years before a sale. Plus, they tackle helping adult children buy a home, retiring years before your spouse, gifting appreciated stock, and when to claim Social Security.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why election-year anxiety shouldn’t drive your investment decisions. They dig into decades of market history showing how stocks have performed under both Republican and Democratic leadership, why presidents often get too much credit—or blame—for market returns, and why your long-term financial plan should matter far more than who controls Washington.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal how inflation quietly erodes your purchasing power—and why playing it too safe in retirement can create risks of its own. Plus, they look at what Home Depot’s remarkable long-term run can teach investors about chasing today’s hottest stocks, explain why too much loyalty to your employer could hurt your career, and answer questions about umbrella insurance, charitable giving, and helping adult kids invest without jeopardizing your own retirement. See omnystudio.com/listener for privacy information.

On this episode of Simply Money, Bob and Brian crash-test a $3 million retirement plan against market drops, overspending, family gifts, and an early death. Plus, they lay out a five-year retirement countdown, explain how to help your kids without creating financial problems, and discuss smart tax moves that could open up once the paycheck stops.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the hype and risks surrounding a potential blockbuster Anthropic IPO, why some retirees may actually be too reluctant to spend their savings, and why your portfolio’s purpose should matter more than chasing returns. Plus, they tackle your questions on early retirement, leaving money to your kids, and what soaring diesel prices could mean for inflation.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain how your financial past can quietly shape the decisions you make today. From childhood money lessons to the scars left by 2008, they reveal why the habits that helped you build wealth may not always be the ones that help you enjoy and protect it—and how to keep old fears from hijacking a good financial plan.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian talk with former Cleveland Fed President Dr. Loretta Mester about the Fed’s latest rate hike, stubborn inflation, and why Americans still feel uneasy about the economy. Plus, how to build tax flexibility into your retirement plan, prepare for long-term care costs and market downturns, and the simple habits everyday millionaires use to build lasting wealth. See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Federal Reserve’s latest rate hike and what it could mean for your cash, bonds, and portfolio. Plus, how to diversify a concentrated stock position without creating a massive tax bill, why equal isn’t always fair when dividing an inheritance, and smart answers to your questions about dividend reinvestment, umbrella insurance, and 1031 exchanges. See omnystudio.com/listener for privacy information.

On this episode of Simply Money, Bob and Brian count down the 10 decisions that can make or break your retirement plan. Plus, they reveal why some “set it and forget it” investment strategies may deserve a second look, tackle your questions about tax-smart investing and helping the next generation, and explain why slowing down could save you from a costly financial mistake.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian examine why stubborn inflation and rising oil prices could push the Fed toward another rate hike, and what that could mean for your portfolio. Plus, how much cash is too much, the cybersecurity mistakes putting your wealth at risk, smarter ways to help your kids financially, and tax strategies involving charitable giving, stock options, and tax-managed investing.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian reflect on the 25th anniversary of 9/11, the extraordinary resilience Americans showed in the aftermath, and the lessons investors can still take from that uncertain period. They look back at how markets responded, why trying to time your way around a crisis can backfire, and how a strong financial plan prepares for the unexpected.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the key financial moves that matter most in every decade of your life—from building wealth in your 20s and 30s to protecting it in your 40s and preparing for retirement in your 50s and beyond. They also explain how hidden tax traps can develop inside brokerage accounts, answer listener questions on estate planning, retirement tax strategies, and umbrella insurance, and sit down with Allworth's insurance expert to discuss when long-term care insurance actually makes sense. Plus, Bob shares his perspective on whether homeownership is always the right financial move. See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why your net worth may not tell the full story of your financial health, how to identify your most valuable asset at every stage of life, and why forgotten 401(k)s deserve a closer look. Plus, they tackle retirement spending, helping your kids financially, concentrated stock positions, and when it’s time to rethink an old life insurance policy.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the surprisingly strong jobs report and what it could mean for interest rates, reveal a little-known way some high earners can put significantly more into their 401(k), and explain when Roth conversions and charitable remainder trusts make sense. Plus, the end-of-summer home repairs that could save you thousands and some encouraging news about prescription drug prices.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle the “one more year” retirement trap—why even wealthy investors can struggle to walk away from work, how to determine when you truly have enough, and why the emotional side of retirement can matter just as much as the math.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian follow a Cincinnati couple with a $4 million net worth through the transition into retirement—breaking down how to replace a paycheck, navigate Social Security and taxes, help adult children, and decide what they can truly afford. Plus, they fast-forward 10 years to reveal which retirement decisions mattered most.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain how to stress-test your portfolio before the next market downturn, why retirement planning can look surprisingly different for people without children, and what homeowners can learn from the latest trends at Cincinnati’s Homearama. Plus, they tackle how to coordinate your financial team, where commercial real estate fits in a portfolio, helping a child start a business, and an important new 401(k) catch-up rule for higher earners.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the first five years of retirement can make or break your financial plan, how a rising market can quietly increase the risk in your portfolio, and why having enough money to buy something doesn’t necessarily mean you should. Plus, they tackle tax-loss harvesting pitfalls, managing concentrated company stock, and why today’s mortgage rates shouldn’t be the only factor driving your decision to buy a home.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what a more hawkish Federal Reserve could mean for your portfolio, why Bitcoin’s latest surge shouldn’t trigger FOMO, and how retirees can turn years of disciplined saving into a retirement they actually enjoy. Plus, smart strategies for Roth conversions and charitable giving, managing a highly appreciated stock position, and an estate-planning decision every parent needs to make.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore how fear of future regret can quietly drive your financial decisions—from holding too much company stock and delaying retirement to hesitating to help your kids or spend on meaningful experiences. They explain why a strong financial plan can give you the confidence to use your wealth with purpose instead of constantly worrying about what could go wrong.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down Nvidia’s latest earnings and what the market reaction says about sky-high expectations surrounding artificial intelligence. Plus, they examine Bill Gates’ warning about the economic disruption AI could create, including the potential impact on jobs, taxes, and the future of the American workforce.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian examine whether the massive AI infrastructure boom could create new risks for investors, why simply being enrolled in your 401(k) doesn’t mean you’re saving enough, and the critical steps you should take to protect your email—and your money—from cybercriminals. Plus, they tackle inherited IRA tax strategies, concentrated company stock, retiring before your spouse, and what today’s higher mortgage rates mean for your next move.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why having more money doesn’t always mean feeling more financially secure, reveal the overlooked portfolio number that could trigger a major tax bill, and discuss why some retirees may be waiting too long to enjoy the wealth they’ve built. Plus, how to navigate wealth differences with friends, plan for valuable collectibles, and recognize three phrases that should immediately put you on alert for a scam.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what America’s $40 trillion debt and rising Treasury yields mean for investors, examine the surge in indexed universal life insurance, and look at how family gifts are helping younger buyers afford homes. Plus, they tackle Roth conversion strategies and the growing number of Americans turning to AI for financial advice.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian examine whether the dominance of the Magnificent Seven is starting to fade, why owning the S&P 500 may leave you more concentrated than you realize, and how soaring valuations can create hidden risks for investors. Plus, they explain why diversification beyond mega-cap tech matters and how to rebalance highly appreciated stocks without letting the fear of taxes dictate your investment strategy.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian put a $3 million retirement plan through a series of financial crash tests—from market downturns and overspending to helping adult children and losing a spouse. Plus, they lay out a five-year retirement countdown, explain how to help your kids without creating financial dependence, uncover tax opportunities that can emerge after your paycheck disappears, and reveal why checking your portfolio too often could do more harm than good.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian expose five retirement “rules of thumb” that can quickly become rules of dumb, from automatically claiming Social Security at 62 to blindly following the 4% rule or rushing to pay off a low-rate mortgage. Plus, they break down the go-go, slow-go, and no-go years of retirement, discuss when staying loyal to an employer can put your career at risk, and answer real-life questions about Roth conversions, charitable giving, permanent life insurance, and managing bonds as the national debt climbs.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian count down the 10 decisions that can make or break your retirement plan. Plus, they reveal why some “set it and forget it” investment strategies may deserve a second look, tackle your questions about tax-smart investing and helping the next generation, and explain why slowing down could save you from a costly financial mistake.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest inflation numbers with Allworth Chief Investment Officer Andy Stout, what a weakening dollar and strong corporate earnings could mean for investors. Plus, they tackle new gas, grocery and supplement scams, smart Roth conversion and charitable giving strategies, and whether a cheaper first-class airline ticket is really worth it.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack the seven most common financial lies we tell ourselves – from “I’ll be happy when I have more money” to “I’ll figure it out on my own.” These aren’t just small white lies; they’re deeply emotional narratives that can quietly sabotage your financial future. Whether you're navigating lifestyle creep, market timing fears, or generational silence around money, this episode helps you recognize these self-deceptions and replace them with smart, actionable advice. Plus, tips for protecting your finances through divorce, estate planning updates you might have missed, and the growing threat of elder cyber scams.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why so many people who have done everything right—saved, invested, and built significant wealth—still don’t feel confident about their financial future. They explore the difference between passive decision-making and intentional planning, the two factors that truly move the needle, and why “hoping it all works out” can quietly derail even strong portfolios. Plus, why a financial windfall can be a risky moment if you act too quickly, how AI is starting to influence financial decisions (for better and worse), and answers to listener questions on managing concentrated stock positions, coordinating income across accounts, planning for market downturns, and making sure your financial life is prepared for the unexpected.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle a critical question for investors: what happens if the next decade of market returns doesn’t cooperate—and does your financial plan rely on strong returns just to survive? They break down how to properly stress test your retirement plan using real-world scenarios, Monte Carlo analysis, and the importance of separating must-have expenses from discretionary spending to weather any environment. Plus, they dive into the hidden complexities of restricted stock units (RSUs), including how they’re taxed, vesting schedules, and why they should be treated as a concentrated position in your portfolio. You’ll also hear strategies for protecting your retirement timing from market downturns, how to think through pension lump sum versus income decisions, and smart ways to gift money for major life events without triggering unnecessary taxes.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Allworth Chief Investment Officer Andy Stout break down what a weakening jobs report could mean for interest rates, why strong corporate earnings continue to support stocks, and what’s keeping pressure on the bond market. Then Brian joins Bob as they dig into Cincinnati’s “slow and steady” housing market, what retirement systems around the world can teach us, and your questions about umbrella insurance, capital gains, direct indexing, and managing a portfolio that’s become too heavy in tech.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what SpaceX's first earnings report as a publicly traded company says about the future of growth investing, discuss how to protect your finances while caring for aging loved ones, and answer listener questions on balancing fairness and family dynamics in estate planning—especially when one child takes on the role of caregiver. Practical advice on investing, legacy planning, and protecting both your wealth and your family. See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why today's market bubbles may be smaller—and less dangerous—than the ones investors remember from the dot-com era and the financial crisis. They also discuss when alternative investments like private equity actually make sense, sit down with Allworth Senior Estate Planning Specialist Paul Schwartz to share strategies for preparing the next generation for one of the largest wealth transfers in history, and answer listener questions on building a lasting family legacy and protecting generational wealth.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by Allworth Chief Investment Officer Andy Stout to break down what the latest GDP, inflation, and jobs data really say about the economy. They also discuss the winners and losers of earnings season, the market's reaction to AI spending, and answer listener questions about knowing when you've done enough Roth conversions, whether life insurance still belongs in your financial plan, and when it makes sense to finally pay the taxes on highly appreciated real estate. See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore what wealth really means today—and why true financial success is less about luxury and more about having the freedom to control your time, your choices, and your future. They discuss the growing trend of "career optionality," why more Americans are choosing flexibility over full retirement, and how thoughtful financial planning can help you build a life around purpose instead of possessions.See omnystudio.com/listener for privacy information.