Podcasts about allworth financial

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down a major shift at the Federal Reserve that could change how markets react to economic data, discuss the growing divide in how different generations and genders build wealth, and answer listener questions on inherited stock, selling a business, Roth conversions, and tax-loss harvesting. Plus, why you may already own a piece of SpaceX without even realizing it. See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the biggest risk to your retirement may have nothing to do with the stock market. From rising healthcare costs and long-term care planning to selling a business and navigating looming tax challenges, they cover the financial decisions that can have the biggest impact on your future. Plus, former Cleveland Fed President Dr. Loretta Mester joins the show to share her perspective on the Federal Reserve's latest decision and what investors should be watching next.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the growing debate over allowing private equity, private credit, crypto, and other alternative investments inside 401(k) plans—and why many investors and fiduciaries are pushing back. They also discuss whether Americans are taking full advantage of new retirement and tax-saving strategies, the financial realities of owning a vacation home, how to know if you can afford a career sabbatical, strategies for managing large required minimum distributions, and when it's time to simplify a rental property portfolio. 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 decision to hold interest rates steady and what persistent inflation could mean for your savings and investments. They also discuss the frenzy surrounding SpaceX's blockbuster IPO, the risks of chasing speculative investments, why blindly following the crowd into target-date funds could hurt your retirement strategy, and how couples can make smarter career and financial decisions together. Plus, advice for business owners whose children aren't interested in taking over the family company and the options available for a successful transition.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore what a new era at the Federal Reserve could mean for investors by looking back at the legacies of influential Fed chairs from Paul Volcker to Jerome Powell, discuss the latest restructuring news from Procter & Gamble and key planning opportunities for affected employees, break down when trusts make sense as part of an estate plan, and answer listener questions on investment performance, concentrated bets, retirement planning assumptions, and strategies for managing taxes during the early years of retirement.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the market's reaction to a newly announced U.S.-Iran peace agreement and what it could mean for oil prices, inflation, and interest rates, with insights from Allworth Chief Investment Officer Andy Stout. They also discuss whether investors are missing out by skipping private equity, why the biggest wealth-building opportunities often start as overlooked companies, estate planning strategies for blended families, and answer listener questions on pension decisions, early retirement account access, and building flexibility when most of your wealth is tied up in retirement plans. See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the highly anticipated SpaceX IPO and what investors need to know before jumping in, discuss why semiconductor stocks have become one of the biggest winners of the AI boom, examine the latest Social Security COLA projections and what they could mean for retirees, share real estate design trends that can help maximize your home's value, and answer listener questions on inheritances, retirement spending, wealth preservation, and how your financial picture compares to your peers.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle a question more investors are asking: are you missing out by not investing in private markets? They break down the opportunities, risks, and realities behind private equity and pre-IPO investing, discuss a remarkable story of a 95-year-old worker who may have missed decades of pension benefits because of a clerical error, explore why luxury travelers are flocking to all-inclusive vacations, and share practical advice on managing a business-sale windfall, inheriting significant wealth, and determining the right amount of umbrella liability insurance for your family.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 and what rising energy prices could mean for interest rates under new Fed Chair Kevin Warsh. They also discuss Fifth Third’s historic move to the New York Stock Exchange, why regulators just made day trading easier for everyday investors, and whether that’s a recipe for financial success or disaster. Plus, the latest scams tied to major events like the World Cup, strategies for evaluating an early retirement buyout offer, smart ways to manage capital gains, and how grandparents can use 529 plans to help build a lasting financial legacy. See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain what true diversification looks like in today's market—and why owning more investments doesn't always reduce risk. They also discuss a proposal that could bring private equity, crypto, and other alternative investments into 401(k) plans, and whether highly compensated employees have enough life and disability insurance coverage. Plus, they answer listener questions on navigating different retirement timelines, protecting family wealth from divorce risk, tax planning after moving to Florida, and preparing to sell a closely held business. See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why a surprisingly strong jobs report may keep the Fed on hold longer than investors expected, what that means for inflation, interest rates, and your portfolio, and why reacting to headlines can be costly. They also discuss the unique financial planning challenges facing couples with significant age gaps, how to future-proof your career in the age of AI, whether a financial advisor is worth the cost, strategies for managing future required minimum distributions, how the mega backdoor Roth works, and the age-old question: should you pay off your mortgage early or invest the money instead?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 Brian put AI to the test, asking ChatGPT some of the most common financial planning questions—from Roth conversions and Social Security timing to concentrated stock positions and paying off a low-rate mortgage. They break down where artificial intelligence gets it right, where it falls short, and why context, personalization, and human judgment still matter when making major financial decisions.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore whether artificial intelligence is truly the next great investing revolution or just the latest market obsession, drawing lessons from railroads, oil, automobiles, and the dot-com boom. They also discuss why timing matters in major financial decisions, strategies for unwinding concentrated stock positions, opportunities created by low-income years, the latest trends in the Cincinnati housing market, and the most common mistakes first-generation millionaires make.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what's fueling the market's powerful rally and why the gains are extending far beyond the Magnificent Seven. They also discuss a possible solution to Social Security's funding crisis, strategies for unwinding concentrated stock positions without creating a tax headache, when Roth conversions make sense—and when they don't—and how families can start meaningful conversations about future inheritances.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down whether Wall Street is getting ahead of itself as stocks continue climbing to new highs, with Allworth Chief Investment Officer Andy Stout weighing in on interest rates, inflation, AI's impact on jobs, and what investors should really be watching next. Plus, the cautionary tale behind NASCAR legend Kyle Busch's legal battle over indexed universal life insurance, what every investor needs to know before using life insurance as an investment strategy, answers to listener questions about Treasury Inflation-Protected Securities (TIPS), preparing financially for cognitive decline, and navigating inheritance decisions when children have dramatically different earning power. And finally, there's encouraging news on retirement savings habits as Americans quietly make a move that could significantly improve their long-term financial security.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 why Goldman Sachs says the AI-driven market boom may not be a bubble after all, what investors need to understand before chasing hot new ETFs and IPOs like SpaceX and OpenAI, and the growing risks of letting AI trade and spend your money. Plus, they tackle costly estate planning mistakes involving retirement account beneficiaries, explain how direct indexing can create meaningful tax savings for high-net-worth investors, and discuss smart ways to think about long-term care planning without derailing your retirement lifestyle.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down whether America’s $35 trillion national debt is a ticking time bomb for the economy and your portfolio, why more Americans are being forced into early retirement before they planned, and the biggest cybersecurity mistakes affluent families are making online. Plus, they tackle healthcare planning before Medicare, the hidden risks of Roth conversions when financial aid is on the line, and how to think through the right Social Security claiming strategy for your situation.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the growing disconnect between how Americans feel about the economy and what the data is actually showing—as consumer sentiment falls to record lows despite strong corporate earnings and resilient spending. They also discuss the possibility of future Fed rate hikes under new Federal Reserve Chair Kevin Warsh, why the “Magnificent Seven” stocks may no longer be carrying the entire market, and how broadening earnings growth could reward truly diversified investors. Plus, they tackle one of the biggest retirement blind spots for high earners: confusing net worth with sustainable cash flow, why sudden wealth and inheritances often disappear faster than expected, strategies for drawing retirement income in the right order, what to do before a major IPO or liquidity event, and the hidden costs that can turn a dream vacation home into a financial headache.See omnystudio.com/listener for privacy information.

This week, David Lau talks with Sara Baker, Executive Vice President of Mergers & Acquisitions at Allworth Financial, about partnership models, RIA growth, and what it takes to build a modern advisory firm. Sara discusses what separates firms that just grow from those that grow with purpose and how partnerships are reshaping advisor growth. From talent development to the growing need for comprehensive advice, she explains why firms should think about both structure and strategy to meet rising client expectations.

Scott talks with Google chief data editor Simon Rogers about what Google does with the information gathered from users asking questions. Also Jeff Carr from the Locked On Reds Podcasts breaks down a soggy weekend for the Reds. Finally Andy Shafer from Allworth Financial explains what the turmoil in Iran means for the US and world markets.See omnystudio.com/listener for privacy information.

Scott talks with Google chief data editor Simon Rogers about what Google does with the information gathered from users asking questions. Also Jeff Carr from the Locked On Reds Podcasts breaks down a soggy weekend for the Reds. Finally Andy Shafer from Allworth Financial explains what the turmoil in Iran means for the US and world markets.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down whether the stock market is really “about to fall off a cliff” after a high-profile economist warned the U.S. is getting dangerously close to a recession. Allworth Chief Investment Officer Andy Stout joins the show to separate scary headlines from actual economic data—covering what the bond market, housing market, labor market, and consumer confidence numbers are really saying right now.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 jaw-dropping earnings report and what the AI boom could mean for investors, productivity, and the future of work, while also exploring the wave of high-profile IPOs coming from companies like SpaceX and OpenAI. They discuss signs of growing speculation on Wall Street, why disciplined investors should be cautious as enthusiasm ramps up again, and how wealthy families can think through long-term care planning before a crisis forces difficult decisions. Plus, they answer listener questions about estate planning after the unexpected loss of a spouse, when Roth conversions make the most sense for high earners, the hidden tax traps with private company stock options, and why used electric vehicles may quietly be one of the best values in today’s car market. 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 break down why Nvidia’s earnings report could become a major report card on the entire AI infrastructure boom—and what high-net-worth investors should really be watching beneath the headlines as Wall Street starts demanding proof that massive AI spending will actually translate into long-term profits. They also discuss why your personal inflation rate in retirement may be far higher than the government’s CPI number, how overlooked estate planning strategies like the step-up in basis can potentially save families thousands in taxes, what to do after receiving a major liquidity event like the sale of a business or inheritance, whether moving to Florida for tax reasons truly makes financial sense, and why umbrella liability insurance may be one of the cheapest forms of financial protection available.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 why even famous market predictors like Michael Burry shouldn’t drive your investment decisions, how volatility and bad news can actually create opportunity in a diversified portfolio, whether a vacation home is worth it, and smart strategies for handling burnout, large RMDs, real estate complexity, and co-signing risks.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the key life moments when calling your financial advisor can make—or cost—you thousands. They also tackle a surprising trend: why retirees with millions saved still feel financially insecure, and how shifting from pension-style income to managing a “pile of money” has changed everything. Plus, insights from CIO Andy Stout on how tax-efficient investing strategies like tax loss harvesting and direct indexing can add real after-tax returns, and practical advice on gifting strategies, insurance gaps, and why not having a power of attorney could create major problems for your family.See omnystudio.com/listener for privacy information.

On this episode of On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle a question that hits differently when you’ve built real wealth: if the market dropped 20% tomorrow, what would you actually do? They walk through the emotional and mathematical realities of managing a $2–10 million portfolio, why risk tolerance and plan design don’t always align, and how shifting from accumulation to preservation changes everything. You’ll also hear strategies around sequence of returns risk, separating income streams from piles of money, and why diversification today may mean more than just a 60/40 portfolio., Bob and Brian tackle a question that hits differently when you’ve built real wealth: if the market dropped 20% tomorrow, what would you actually do? They walk through the emotional and mathematical realities of managing a $2–10 million portfolio, why risk tolerance and plan design don’t always align, and how shifting from accumulation to preservation changes everything. You’ll also hear strategies around sequence of returns risk, separating income streams from piles of money, and why diversification today may mean more than just a 60/40 portfolio.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 data as CPI comes in hotter than expected at 3.8% year-over-year—driven largely by rising energy prices tied to global conflict—and what that likely means for interest rates, the Fed’s next moves, and your portfolio strategy. They also dive into the surge in annuity sales and why “guarantees” often come with trade-offs investors don’t fully understand. Plus, a deeper conversation on what your portfolio is actually supposed to do—and why focusing only on returns can lead you astray. The show also highlights how two families with identical wealth can end up with dramatically different outcomes depending on planning decisions around RMDs, taxes, concentrated stock, and estate strategies. Finally, listener questions cover navigating retirement’s impact on marriage, whether Roth conversions still make sense if tax rates rise, and how to know when it’s time to move on from a long-time advisor. See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what a “higher for longer” rate environment means as strong job data and persistent inflation keep the Fed on hold. Allworth CIO Andy Stout explains what’s driving oil prices, why emerging markets are outperforming, and where investors should be paying attention right now. They also discuss a possible shift away from quarterly earnings reports and what it could mean for market volatility. Plus, a troubling AI deepfake scam that cost a retiree $200,000—and how to protect your family. Finally, they answer listener questions on managing a $5 million inheritance, handling RMDs tax-efficiently, protecting assets from a gambling-addicted child, and whether college is still worth the cost. See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian put the last five years of stock market returns into proper perspective—breaking down why, despite volatility, disciplined investors have still seen strong long-term results, and why short-term headlines can distort reality and lead to poor decisions. They walk through recent market performance across the S&P 500, NASDAQ, small caps, and international markets, highlighting the surprising strength and broad-based nature of this rally, while also addressing the psychological challenges investors face during uncertain times. See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how AI is no longer just a “big tech” story—but an economic force reshaping everything from healthcare to energy—and what that means for your investment portfolio. Plus, how to avoid lifestyle creep as your income rises, navigate delicate financial conversations with aging parents, and set healthy boundaries when family and friends come asking for financial help. And before you say yes to that vacation pitch, a clear-eyed look at whether timeshares are a smart lifestyle move—or a costly mistake you can’t easily escape.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 Brian break down three powerful—and very different—voices shaping investor sentiment right now, from Warren Buffett’s warning that markets are behaving more like a casino than a place for disciplined investing, to Jamie Dimon’s concerns that inflation and interest rates could stay higher for longer and create new hurdles for growth, to Elon Musk’s bold claim that saving for retirement may one day be unnecessary in an AI-driven world. Along the way, they unpack what all of this means for long-term investors, why short-term trading strategies can quietly derail even smart portfolios, and how to separate meaningful financial insight from attention-grabbing noise when making big decisions about your money.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why stocks just had their best month in five years while gold is plunging—despite global conflict—and what that signals about investor sentiment, inflation expectations, and where markets may head next. They also uncover a report revealing over $160 million in missed or underpaid Social Security benefits impacting thousands of retirees, discuss the real risks of letting AI make financial decisions on your behalf, and answer listener questions on Roth conversions, charitable giving strategies, and whether real estate still deserves a place in a high-net-worth portfolio.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the hidden danger in today’s markets: not panic—but complacency. While headlines are filled with war, inflation concerns, and uncertainty, investors seem unfazed—and that can create its own set of risks. They walk through real-life scenarios of retirees staying too heavily invested in equities, “set it and forget it” millionaires ignoring portfolio drift, and couples making major purchases without proper planning—highlighting how overconfidence and lack of discipline can quietly derail even strong financial plans.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how four big tech companies moved the market in minutes after earnings, why strong cloud growth continues to power the economy, what a steady GDP report really says about where we’re headed, and how big life decisions—from age-gap marriages to AI in the workplace—can impact your financial plan.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Fed’s decision to hold interest rates steady and what it really signals for investors, why the old “sell in May and go away” strategy can do more harm than good, and the hidden risks in chasing market trends—from short squeezes to speculative betting markets—while also answering listener questions on Roth conversions, pre-tax retirement strategies, and navigating a surprise business buyout offer. See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down three conflicting market predictions making headlines right now—and why reacting to any of them could derail your long-term plan—while also diving into the dangers of turning your 401(k) into a betting platform, whether a “too balanced” portfolio could actually hurt your growth, how appraisal gaps can impact what you really pay for a home, and smart strategies for high-net-worth investors including direct indexing, managing large IRA balances, and planning for long-term care without over-insuring.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what really drives the markets—cutting through the noise of scary headlines to focus on corporate earnings, recession risk, and the health of the consumer—while also exploring the impact of stock buybacks like Netflix’s massive program, how your identity can complicate retirement more than your finances, and smart strategies for managing concentrated stock, charitable giving, and building a sustainable retirement plan.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down a bold—and controversial—investment strategy suggesting nearly half your portfolio belong in gold, commodities, and even Bitcoin, with zero allocation to bonds. They dig into why some global strategists are losing faith in traditional portfolio construction, what’s really driving the fear around inflation and government debt, and why abandoning bonds altogether could create more volatility—not less. Plus, a reality check on cryptocurrency as a true currency, including what happened when El Salvador made Bitcoin legal tender—and why it hasn’t delivered on its promises. Finally, they explain how smart bond management—like adjusting duration and laddering maturities—can still play a critical role in building a resilient, income-producing portfolio.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian separate fact from fiction when it comes to the latest “stock market bubble” headlines. They also walk through the real-world decisions around unwinding rental properties, from 1031 exchanges to depreciation recapture, plus practical home maintenance tips that can protect one of your largest assets, and answers to listener questions on backdoor Roth strategies, inherited IRA withdrawal rules, and balancing charitable giving with family goals.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the implications of Fed chair nominee Kevin Warsh’s confirmation hearing with insights from former Cleveland Fed President Dr. Loretta Mester, explaining why Fed independence matters and how decisions are really made. They also explore new data showing declining retirement confidence as rising healthcare, travel, and housing costs weigh on retirees, along with practical guidance on building a plan that accounts for those realities. Plus they tackle listener questions by offering solutions for managing retirement cash flow when assets are tied up in private equity, investing excess income tax-efficiently after maxing out retirement accounts, and reevaluating municipal bond strategies as income changes.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the market rebounded sharply despite global conflict, highlighting how one company—Micron Technology—is driving a surprising share of earnings growth expectations and what that means for diversification and long-term investors. They also discuss the risks of relying on headline-making company CEOs, answer listener questions on direct indexing, tax planning in retirement, and concentrated stock positions, and wrap up with smart, flexible strategies for funding grandchildren’s education using tools like 529 plans.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why markets can surge to record highs even as geopolitical tensions with Iran create ongoing uncertainty, and what that means for investors trying to time the “all clear.” They also dive into the risks of chasing hype after a sneaker company’s AI-fueled stock spike and crash, and the broader lessons for anyone tempted by momentum trades. Plus, practical advice on managing complex financial decisions—from reviewing life insurance and executing Roth conversions to maximizing charitable giving strategies. And finally, a discussion on new Social Security proposals that could impact high earners down the road. See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the market so often defies logic—and discuss why a so-called “WTF indicator” is really a reminder that trying to predict short-term moves is a losing game, even for the smartest investors. They explain why headlines rarely match market performance, how forward-looking expectations drive returns, and why sitting on the sidelines can cost you more than volatility ever will.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the key life moments when calling your financial advisor can make—or cost—you thousands. They also tackle a surprising trend: why retirees with millions saved still feel financially insecure, and how shifting from pension-style income to managing a “pile of money” has changed everything. Plus, insights from CIO Andy Stout on how tax-efficient investing strategies like tax loss harvesting and direct indexing can add real after-tax returns, and practical advice on gifting strategies, insurance gaps, and why not having a power of attorney could create major problems for your family.See omnystudio.com/listener for privacy information.