Simply Money.

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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.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by Allworth Chief Investment Officer Andy Stout and former Cleveland Fed President Dr. Loretta Mester to discuss the Federal Reserve's latest decision, inflation, and what the markets are signaling. They also break down the latest AI-driven earnings from Big Tech, explain why waiting for the "perfect" time to invest can be a costly mistake, answer a listener's question about investing after selling a business, and look at why Gen Z is spending less on nights out than previous generations. See omnystudio.com/listener for privacy information.

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 Alphabet's latest earnings reveal about the AI arms race, why Big Tech is pouring hundreds of billions into infrastructure, and what that means for investors. They also explain why massive AI spending could create both opportunity and risk, drawing lessons from the dot-com era and sharing how to avoid getting overconcentrated in today's hottest stocks.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian put your financial instincts to the test with a series of real-world scenarios that reveal who really comes out ahead—from high earners versus high savers to paying off your mortgage versus investing, maximizing guaranteed retirement income, and using tax-loss harvesting to keep more of what you earn. Plus, they explore whether leaving a bigger inheritance is always the best legacy—and why thoughtful financial planning often beats a bigger pile of money.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 the Federal Reserve's next interest rate decision could mean for your money, why rising healthcare costs need to be a bigger part of your retirement plan, and the latest bipartisan effort to shore up Social Security. They also discuss whether Jersey Mike's upcoming IPO is worth a look, share practical ways to protect yourself from phone scams and SIM-swapping attacks, and answer listener questions on coordinating financial advisors, CPAs and attorneys, diversifying concentrated stock positions, and smart charitable giving strategies.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 report with Allworth Chief Investment Officer Andy Stout, including whether rising prices are finally cooling and what it could mean for interest rates, the markets, and your portfolio. They also examine the growing popularity of leveraged ETFs and why they can be far riskier than many investors realize, discuss how more first-time homebuyers are relying on family gifts to afford a down payment, and answer listener questions on tax-efficient portfolio rebalancing, deferred compensation, relocating to Florida in retirement, and why counting on an inheritance can derail your financial future.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian play a financial planning game that reveals the one overlooked question that can completely change your retirement strategy. From caring for aging parents and buying a dream vacation home to pension decisions and Roth conversions, they explain why great financial planning isn't just about the numbers—it's about asking the right questions before you make life-changing decisions.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the traditional idea of retirement, exploring why having enough money isn’t the same as having a fulfilling plan for what comes next. Inspired by a powerful real-life story, they discuss “purpose risk,” the dangers of tying your identity solely to your career, and why true financial success is about creating optionality in your life—not just building wealth. They also break down how to turn your savings into a tax-efficient income stream, why rules like the 4% guideline can fall short, how to manage risk and cash flow in retirement, and why your “forever home” might not be as permanent as you think.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how financial planning has evolved from relying on pensions and predictable income streams to navigating today’s reality of managing “piles of money” through market volatility, tax complexity, and retirement uncertainty. They also discuss the hidden tax traps inside large brokerage accounts, why money tension doesn’t always disappear with wealth, and answer listener questions on family communication, charitable giving strategies, and what Social Security’s future could really mean for retirees.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how to AI-proof your portfolio without betting the farm, explaining why investors can embrace the AI revolution while avoiding the mistakes of the dot-com era through diversification and strategies like direct indexing. Plus, they share smart ways families can reduce the high cost of summer day camp with little-known tax breaks and flexible spending accounts that could save thousands.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the modern midlife crisis—and why so many high earners are making more money than ever while feeling more trapped than ever at the same time. They discuss the rise of “golden handcuffs,” lifestyle creep, delayed retirement decisions, and the emotional realization many successful professionals face when they discover they could have stepped away years earlier. Plus, they dive into costly inherited IRA mistakes families are making under the Secure Act, strategies for managing taxes on retirement accounts, whether direct indexing is worth it for affluent investors, when municipal bonds may actually hurt your returns, and how to thoughtfully transition into retirement without losing your sense of purpose.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why millions of Americans may now own a piece of SpaceX without realizing it, what a proposed retirement savings overhaul modeled after Australia could mean for your future, and whether the new Trump Accounts are the right savings tool for your family. Plus, the Better Business Bureau shares the latest scams targeting your money, and the guys answer listener questions on tax gain harvesting, municipal bonds, and smart retirement tax planning.See omnystudio.com/listener for privacy information.