Podcasts about simply money

On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian dig into why more countries are pushing retirement later—and what that signals for your financial future. You’ve built a nest egg, maybe refinanced your home, maxed out your retirement accounts… but have you thought about when to retire? With governments around the globe delaying official retirement ages, is longevity becoming your most important asset? Bob and Brian break it all down, including whether this global trend should influence your own retirement timeline.See omnystudio.com/listener for privacy information.

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.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian dive into the four hidden forces that subtly guide every high-stakes financial decision—especially for those with significant wealth. From emotional hang-ups and generational money mindsets to the quiet pressures of social comparison and analysis paralysis, the guys break down how even the most financially savvy families can be influenced in ways that spreadsheets can’t predict. Plus, they tackle the biggest financial mistakes successful investors admit to behind closed doors, reveal how divorce can wreck your retirement plan if you're not careful, and answer listener questions on annuities, private credit, and more.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 by asking: what if financial freedom isn’t about quitting work forever, but having the power to choose how you work, when, and with whom? They dive into the growing trend of financial flexibility and how high-net-worth individuals are redefining their retirement goals. From part-time consulting at GE to opening woodshops or working at Costco for healthcare, the conversation covers how purpose, planning, and portfolio management play a role in these transitions. Plus, they explain how to fund this lifestyle shift with smarter income strategies, tax diversification, and tools like the Rule of 55. Later in the show, they explore why clinging to outdated investments might be holding your financial plan back, how to think differently about downsizing your home, and why your future success often comes down to basic math.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what most investors misunderstand about “risk” — and how that confusion could cost you more than any market drop ever will. They explore the real definition of risk, why sitting in cash might be riskier than you think, and how to create a retirement plan that accounts for volatility without derailing your future. Plus, hear why stock market bubbles might not be all bad (if you’re prepared), and what the Vanderbilt family can teach you about preserving wealth for generations. Later, in Ask the Advisor, they answer your questions about Roth conversions, gifting to children, charitable giving, and what to do with a large cash windfall. And in Brian’s Bottom Line, the essential estate planning move everyone should double-check today.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian discuss how strong market performance in 2025 can actually lead to costly investor mistakes—if you're not careful. They unpack the concept of "portfolio drift," why it could mean you're taking on more risk than intended, and why now might be the right time to rebalance. They also walk through smart year-end tax strategies, from tax-loss harvesting to donor-advised funds. Plus, new tax breaks for retirees, a potential hit for high earners over 50, and how to protect yourself from scams hitting Cincinnati inboxes this holiday season. Finally, why patience may be the most underrated investment strategy of them all.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the most common money mistakes they're still seeing in 2025 — and why even high-net-worth investors continue to fall into these traps. From chasing returns and emotional investing to poor tax planning, ill-advised Roth conversions, and overexposure to tech stocks, this conversation is packed with real-world examples and actionable takeaways. Whether it’s misunderstanding alternative investments or failing to build a retirement withdrawal strategy, these errors could cost you big. Learn how to avoid becoming a cautionary tale — and what it really means to have a financial plan versus just a portfolio.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the true art of asset location—why it’s not just about what you invest in, but where you hold those investments. They walk through real-life scenarios for high-net-worth investors, explaining how to use pre-tax, Roth, and taxable accounts to build smarter, tax-savvy portfolios. Then, a surprising move from tech giants: Amazon, Alphabet, and Meta are flooding the market with corporate bonds. Why now? And what does that mean for income-focused investors? Plus, career expert Julie Bauke joins the show to unpack the “Executive Dilemma”—when to stay, when to jump, and how to evaluate your next big move. Also: tech-heavy indexes, the rise of private credit, and what to do with a lump sum after selling a rental property. And Brian's surprising take on the gig economy.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian ask the question every long-term investor should be thinking about right now: while the headlines fixate on the Fed, are we focusing on the wrong thing? Plus, what a major move involving a Cincinnati-based company can teach us about handling company stock. Career expert Julie Bauke also joins to explain why helping your kids prepare for a career has never been more complicated—and what really matters in an AI-driven world. And don’t miss answers to your biggest financial questions, from capital gains strategy to whether ETFs really beat mutual funds in a taxable account.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian ask: What happens when the Federal Reserve is flying blind? With key October data potentially lost due to the government shutdown, Allworth CIO Andy Stout weighs in on what that means for rate decisions and market volatility heading into 2026. Plus, they walk you through the brand-new retirement contribution limits, the blind spots in portfolios of high-net-worth investors, and whether it’s time to rethink dividend reinvestments and lump sum investing. Finally, what to do with that year-end bonus before it disappears on a new iPhone.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into Goldman Sachs’ bold prediction that the S&P 500 will hit 7,600 by 2026. But does this forecast actually mean anything for your financial plan? They explain why making decisions based on Wall Street predictions could derail your long-term goals. Plus, hear how high-net-worth investors can use strategies like direct indexing and buffered ETFs to protect against taxes and inflation. They also break down the looming tax impact of mutual fund capital gains distributions, how new credit card rules might hit your rewards, and why using your vacation days might be just as financially important as your investment decisions.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian lay out a smart, rapid-fire checklist of year-end money moves to trim your tax bill, boost your wealth strategy, and set yourself up for a strong 2026. From maximizing retirement contributions and handling required minimum distributions to strategic charitable giving and capital gains planning, they’ve got your December 31st deadline covered. They’ll also walk through smart uses for HSAs and FSAs, how to manage equity comp surprises, and why now is the time for business owners to button things up. And don’t miss the tips on tax-smart family gifting and checking your account beneficiaries—small things that make a big impact. This is a packed segment for anyone serious about making their money work smarter as the year winds down.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian dive into the all-too-common portfolio "Frankenstein"—a scattered mix of accounts with zero strategy. They lay out the fixes, from consolidation to coordinated tax planning. They also explore how too much cash can drag down your returns, when DIY investing becomes an SOS moment, and how overlooked tax traps silently siphon wealth. Plus, they tackle 50-year mortgages, blurred lines between investing and gambling, and how Google profits from your personal data—along with how to push back. From ETF overlap and buffered products to tax-efficient investing strategies for high-net-worth households, it’s a jam-packed episode full of insight.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore how your financial plan should stay steady even when the economy doesn’t follow the script. From the double-digit interest rates of the 1980s to the AI-fueled market surge of 2023–24, they unpack the mixed signals investors have faced over the last 40 years—and what you can learn from the surprises. They also dive into how innovations from State Street could reshape your 401(k), how to make smart open enrollment choices, and real-life listener questions about supporting aging parents and adult kids, selling a business, managing inconsistent income, and dealing with old annuities.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian talk with Allworth Chief Investment Officer Andy Stout about what reopening the government would mean for data flow, how rising household debt is sending mixed signals, and why cracks are showing in the labor market. Plus, why smaller companies are shedding jobs while big corporations are hiring, and how AI might be playing a surprising role.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian pull up a booth at your favorite Saturday morning diner—where three strangers each worth around $3 million reveal just how wildly different financial lives can look. Meet Jim, a newly retired corporate lifer trying to make his nest egg last; Maria, a successful business owner staring down a big liquidity event; and Chris, a laid-back heir with a taste for risky bets. Despite similar net worths, their challenges—and mindsets—couldn't be more different. The guys break down three key financial stressors: market headlines, long-term care fears, and major downturns—and how each person reacts. From Roth conversions and tax planning to installment sales and speculative investing, this episode is packed with real-world examples of why your wealth story needs its own unique plan.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore the hidden ways that wealth buys freedom—and where it absolutely doesn’t. From buying back your time to avoiding toxic environments, high-net-worth families are realizing the true value of their money isn’t just growth… it’s liberation. But what about the stress, mental clutter, and family drama that even millions can’t solve? Bob and Brian dig deep into why peace of mind takes more than a fat investment account. Plus, a $32 trillion shift toward alternative investments, and why the IRS might love your mutual fund more than you do. They’ll also tackle your toughest money questions on early retirement, Roth conversions, and how to find meaning after a business sale. And finally, are you planning better for your pet than your kids? The guys have thoughts.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian dive deep into the AI investment craze that’s dominating headlines. Are we too late to cash in? Or is this just the beginning of a new economic era? They break down the hype, the risks, and the smarter way to invest—without trying to pick a winner. Plus, why international investing may deserve another look, a fresh update on the real estate market, and how to break out of financial decision paralysis. Finally, your listener questions on giving, planning, and the fear of running out—even when you have enough.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle one of the biggest fears for investors—putting money into the market when it's at all-time highs. If you're sitting on cash from a business sale, inheritance, or disciplined saving, and waiting for a pullback, you may be doing more harm than good. They break down historical data showing why investing a lump sum typically beats dollar-cost averaging and why market highs are more normal than you think. Plus, a deep dive into the lawsuit against Pacific Life involving indexed universal life insurance, career plateau advice with Julie Bauke, and a cautionary tale about meme stocks. Finally, practical, simple year-end tax planning tips you can act on right now.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian dive into a temporary trade truce between the U.S. and China and what it means for investors. Plus, I Bonds are back in the spotlight—should you care? And Netflix announces a 10-for-1 stock split: is it a smart buy or just smoke and mirrors? Later, they explore the real costs—and surprises—of downsizing your home in retirement, discuss behavioral investing blind spots that could derail your financial plan, and uncover a little-known Social Security benefit for parents over 62 raising children under 18.See omnystudio.com/listener for privacy information.

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

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

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest Fed interest rate cut and what it means for your portfolio, borrowing costs, and the broader economy. They also spotlight Apple's record-setting $4 trillion valuation, why it matters for your investments, and the behind-the-scenes changes happening in the S&P 500. Then, cybersecurity expert Dave Hatter joins the show to explain why elder scams are becoming a full-blown financial emergency—and how you can protect your family. Finally, the team answers your questions about backdoor Roths, mutual funds in taxable accounts, and how to think about refinancing in today's rate environment.

Sloanie talks with political analyst about the ongoing government shutdown, plus Jason Phillabaum discusses the situation surrounding the Cincinnati Police Chief fiasco. Sloanie also shares his thoughts on the construction at the White House. Nick Crossley, EMA Director for Hamilton County talks about FEMA reform and finally Simply Money with Andy Shafer of Allworth Financial

Sloanie talks with political analyst about the ongoing government shutdown, plus Jason Phillabaum discusses the situation surrounding the Cincinnati Police Chief fiasco. Sloanie also shares his thoughts on the construction at the White House. Nick Crossley, EMA Director for Hamilton County talks about FEMA reform and finally Simply Money with Andy Shafer of Allworth FinancialSee omnystudio.com/listener for privacy information.

Sloanie talks with political analyst about the ongoing government shutdown, plus Jason Phillabaum discusses the situation surrounding the Cincinnati Police Chief fiasco. Sloanie also shares his thoughts on the construction at the White House. Nick Crossley, EMA Director for Hamilton County talks about FEMA reform and finally Simply Money with Andy Shafer of Allworth Financial

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 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 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 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 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 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 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 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.