Simply Money.

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 new financial responsibilities — this episode breaks down why the right planning strategy is less about how much money you have and more about the life decisions you face.

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 learns about a powerful savings tool few people know. And don't miss the hidden retirement “sweet spot” that could save you big on taxes.

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 one of the biggest and most costly investing mistakes: putting the right investments in the wrong types of accounts. Plus, cyber expert Dave Hatter joins the show to explain how a recent Amazon Web Services outage exposed a new kind of financial risk: third-party vulnerability. And finally, your questions about conflicting risk tolerances in marriage, aligning your financial "team," shifting from growth to income, and building a plan when self-employed.

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 retirement might actually shorten your life, how to use your empty nest phase for a financial makeover, and whether it's possible to be too diversified. Finally, as always, Bob and Brian take on real listener questions—from restricted stock units to the right time to downsize.

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, and answers to real listener questions on spending confidently, smart use of life insurance, and managing large capital gains.

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 show how even seasoned investors can unknowingly sabotage their financial future.

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 financial safety net. Plus, Bob and Brian answer listener questions about partial retirement planning, whether index investors are missing out, and smart uses for home equity. They also tackle whether that $700 premium credit card in your wallet is still worth it.

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 year-end tax strategies to protect your wealth.

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 rebalancing, tax strategies, and proactive planning can keep success from turning into vulnerability. Plus, the team answers your most pressing financial questions about Roth IRAs, 5% CDs, and more.

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 separate portfolios in marriage might help or hurt your financial future, the behavioral traps of sudden wealth, and what to know before betting on Wall Street's latest game: prediction markets.

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.

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. Plus, real estate pro Michelle Sloan joins to weigh in on the age-old question: rent or buy? And in ‘Ask the Advisor' — smart moves for deferred comp plans, protecting company stock, and selling rental properties tax-smartly.

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 tax refund texts to “ghost tapping” card thefts — and the guys tackles deferred comp plans, 1031 exchanges, and early retirement withdrawals.

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 cooling or heating up, and the guys tackle your money questions on early retirement, second homes, and gifting to your kids.

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: structured notes, gold as a safe haven, and how to make tax-loss harvesting work for you.

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 with solid math. Plus, are we already in an AI bubble, and why investors aren't panicking yet? And as always, they'll answer your questions about RMDs, Medicare premiums, direct indexing, buffered ETFs, tax planning, and more.

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, high-net-worth strategies for your healthcare, insurance, and retirement benefits. Thinking of selling a stock? Bob and Brian cover when to pull the trigger—and when not to. And a surprising look at how many parents are still financially supporting adult children, potentially at the cost of their own retirement goals.

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 strategies that too many high-net-worth families overlook. Also: answers to your biggest money questions—from stock options and Roth conversions to creating flexibility with your 401(k).

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. They also dig into FINRA's move to loosen the Pattern Day Trader rule, what record-setting stock buybacks really signal (and what to watch beyond P/Es), and career expert Julie Bauke joins to help you decide whether to retire, go part-time, or test-drive your next chapter. In Ask the Advisor, they tackle oversized RMDs, executor pitfalls with business interests, smarter stock-option exercises, and whether to migrate from mutual funds to ETFs or direct indexing.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack why the Fed's preferred inflation gauge (core PCE) near 3% and surprisingly strong GDP make additional rate cuts tricky. They challenge one-size-fits-all Roth conversions—“pay taxes when you'll pay less”—and mark 50 years of index funds, noting both their low-cost power and today's concentration risks. Plus: listener questions on backdoor Roths, consolidating old 401(k)s, mortgage payoff vs. investing, and family LLCs. And a PSA from Kevin Durant's locked Coinbase account: safeguard your passwords.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack four hidden forces that quietly drive high-stakes money choices—even when the spreadsheet says “go.” They share real “financial confessions” from successful investors, outline costly divorce mistakes, and tackle a rapid-fire Ask the Advisor on wash sales, annuities, private credit, and the #1 mistake for households with a few million saved.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why inflation and interest-rate cycles look scarier in headlines than they are for long-term investors—zooming out from Volcker to near-zero rates to today to show how markets normalize. They turn that history into action: how to position cash and bonds as rates shift, match time horizons to risk, and avoid headline chasing. Plus, the Social Security number that really matters (your FRA), a candid long-term-care playbook (insurance vs. self-funding and family coordination), and Ask the Advisor on LTC costs, cyber fraud basics, trusts vs. PODs, and Roth vs. pre-tax 401(k).

On this episode of Simply Money presented by Allworth Financial, Bob and Brian share the biggest regrets wealthy retirees face — and how to avoid them. They also cover how to turn severance into strategy, ways to protect your privacy from Google, listener questions on direct indexing and estate planning, and Brian's bottom line on the Secure Act 2.0.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the looming government shutdown and what it could mean for your investments in the short term. They also dive into why investors are holding a record $7.7 trillion in money market funds, and whether that's a smart move in today's market. Plus, they unpack the real cost of the American Dream—homes, kids, health care, and more—and how planning can keep those expenses from derailing your retirement goals. Later, the guys tackle “phantom income,” that frustrating tax bill on money you never actually see, and explain how to prepare for it. Finally, in Ask the Advisor, they answer your questions on long-term care planning, inherited property, consolidating old 401(k)s, and whether annuities make sense for million-dollar portfolios—before wrapping up with important advice on managing your 529 college savings plans.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian get Allworth Chief Investment Officer Andy Stout's take on the Fed's latest rate cut and what it really means for investors. They also cover new IRS rules pushing high earners' 401(k) catch-ups into Roths, why HSAs are the most overlooked tax break, and how to protect your retirement from sequence of return risk. Plus, real listener questions on private REITs, pensions, and illiquid wealth—and a quick December tax trick that could save you thousands.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian share the “financial deep clean” every high-net-worth investor should do. They break down an Ohio company's surprise move to cut its 401(k) match, and ask if billionaires really follow through on their giving pledges. Plus, they answer your questions.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Fed's latest rate cut, why Social Security's raise may not feel like one, and how to know if golden handcuffs are holding you back. Plus, Allworth CIO Andy Stout joins to talk faith-based investing, and the guys answer your biggest retirement questions.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Federal Reserve's first rate cut since December, what it means for your savings, mortgage, and investments, and why the real question now is: what happens next? They also debate President Trump's renewed call to end quarterly earnings reports, weighing the pros and cons for investors like you. Then, the guys tackle one of the most important questions in financial planning—how much risk should you really be taking with your money? And as always, they answer your questions on investment property, long-term care costs, managing a family trust, and deferred compensation.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian put on their “tough teacher hats” to deliver some advice you may not want to hear, but absolutely need to hear. Just because you've saved $2 million, $3 million, or even $5 million doesn't mean you're automatically set for life. Their lessons cover why retirement isn't a vacation but a paycheck replacement plan, why your kids don't need another check but a financial strategy, how treating your portfolio like a casino can wreck decades of hard work, and why taxes could cost you more than your house. Plus, they dive into the real spending patterns of retirees, scams targeting families, and listener questions on concentrated tech stock, charitable remainder trusts, and how to plan for estate taxes on illiquid assets like real estate.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what the Federal Reserve's next move could mean for your money. Allworth Chief Investment Officer Andy Stout joins the show to preview this week's Fed meeting, explain why inflation remains sticky, and share what the “dot plot” really tells us about future rate cuts. Then, Bob and Brian stress test portfolios against everything from a sudden market crash to geopolitical shocks. Later, they tackle whether AI is a reliable investment tool—or just another overhyped buzzword. Finally, they answer your real money questions on passing down vacation homes, selling a business, balancing charitable giving with future healthcare needs, and keeping streaming subscription creep under control.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what your “money personality” says about the way you invest—and how it might be helping or hurting your long-term plan. Are you a thrill-seeker, a security blanket, a control freak, a balanced mediator, or maybe even an ostrich with your head in the sand? They'll walk through the pros and cons of each type and how to build a portfolio that actually matches who you are. Later, they dive into the real-life dilemma of divorced couples hanging onto 2% mortgages—why cheap debt may be keeping people tied together long after love is gone, and the financial (and emotional) tradeoffs of “nesting” or buying each other out. Plus, Jocile Ehrlich from the Better Business Bureau stops by with the newest scams you need to watch for, and the show wraps up with a retirement checklist and Brian's Bottom Line.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why it now appears absolutely certain that lower interest rates are on the horizon. Plus, they share the smart way to avoid a tax bomb and bring you their Ask the Advisor segment.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest Consumer Price Index report and what it means for your wallet, discuss why Oracle is suddenly the market's newest darling, and explain what a drop in mortgage rates could mean for both buyers and refinancers. They also explore Robinhood's push into social investing, whether alternative strategies like gold and copper are smart diversifiers or just the latest trend, and walk through three practical steps for managing an over-concentrated stock position. Plus, on the anniversary of 9/11, they reflect on the market's resilience in the face of tragedy and what lessons investors can take from it today.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the growing role of alternative investments inside retirement plans — and why you should be cautious before diving in. They also tackle whether today's AI excitement is the new dot-com bubble, the lessons behind a shocking $4 million hospital bill, and what nearly 600,000 new 401(k) millionaires can teach us about long-term discipline. Plus, you'll hear a personal story about how being overconcentrated in one stock devastated a family financially. And in our listener Q&A, we cover farmland sales, retirement income strategies, umbrella insurance, global diversification, and whether direct indexing beats ETFs.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down a weak August jobs report with Allworth's Chief Investment Officer Andy Stout and what it could mean for the Federal Reserve's upcoming rate decision. They also revisit the famous “4% rule” for retirement withdrawals — does it still hold up in today's economy? Andy returns later in the show with strategies for growing capital and protecting against inflation, including buffered ETFs, direct indexing, and private equity. Plus, your questions answered on estate planning, charitable trusts, private equity investing, and even retiring abroad.

Financial freedom used to mean never worrying about money again. But in today's economy, the real key is flexibility. On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why adaptability is now the cornerstone of wealth management—and how affluent families can structure their portfolios, tax plans, and spending to stay nimble no matter what markets or life throws their way.

Success brings rewards—but also hidden risks that can derail your financial future. On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore how high-net-worth families can spot these risks before they become problems. Plus, strategies to potentially land in the coveted 0% capital gains tax bracket, and smart moves you can make now to protect your wealth and lifestyle.

On today's episode of Simply Money presented by Allworth Financial, Bob and Brian tackle the country's ballooning national debt, why it matters to investors, and what history can teach us about navigating deficits.

On today's episode of Simply Money presented by Allworth Financial, Bob and Brian break down what the Fed's preferred inflation gauge is signaling and why mortgage rates may stay stubbornly high despite potential rate cuts. They'll  also explain new tax rules coming in 2026 that could change how you give to charity, and highlight a new study showing many retirees may outlive their savings. Plus, they unpack the “action trap” that even smart investors fall into, compare retirement systems around the world, and tackle your questions on umbrella insurance, capital gains, risk tolerance in marriage, and managing tech-heavy portfolios.

Smart people still make dumb money mistakes—and the wealthier you are, the higher the stakes. On today's episode of Simply Money presented by Allworth Financial, Bob and Brian share the hidden biases that derail even savvy investors and practical steps to stay on track. They also dive into Gen X's top retirement worry—health care costs—plus career expert Julie Bauke on building a personal brand after a big career, listener questions on trusts and vacation homes, and Brian's “Bottom Line” on Roth vs. pre-tax 401(k) contributions.

Most of us spend decades chasing “more”—more returns, more growth, more money. But what happens when you've already won the game? On today's episode of Simply Money presented by Allworth Financial, Bob and Brian explore when enough is actually the best strategy. From high-net-worth investors risking too much on tech stocks and crypto, to the psychology of always wanting “just a little more,” they break down why preservation and simplicity often beat chasing returns.

Markets are up, Nvidia is booming, and Taylor and Travis are engaged — but what does any of that mean for your financial plan? On today's episode of Simply Money presented by Allworth Financial, Bob and Brian cut through the noise to show why successful investors don't chase fads or panic over headlines. From maximizing cash yields to making smart decisions about Roth conversions, inheritances, and even prenups, Bob and Brian explain how discipline and planning — not hype — are what protect and grow wealth.

On today's episode of Simply Money presented by Allworth Financial, the President takes aim at the Fed, Kroger announces 1,000 job cuts, and Bob and Brian break down why your “diversified” portfolio might not be as safe as you think. Plus, the rise of elder scams, and your questions on taxes, retirement planning, and charitable trusts.