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For more than 20 years, the Simply Money radio show has provided straightforward and entertaining explanations of how the economy and stock market affect your wealth. Join Allworth advisors Bob Sponseller and Brian James from our Cincinnati team as they offer unique financial perspectives—along with smart tax and estate planning strategies—to help you make the most of your money.
The information presented is for educational purposes only and is not intended to be a comprehensive analysis of the topics discussed. It should not be interpreted as personalized investment advice or relied upon as such. The information is not intended to convey any implicit or explicit guarantee or sense of assurance that, if followed, any investment strategies referenced will produce a positive or desired outcome. All investments involve risk, including the potential loss of principal. There can be no assurance that any investment strategy or decision will achieve its intended objectives or result in a positive return. It is important to carefully consider your investment goals, risk tolerance, and seek professional advice before making any investment decisions.
The information presented is for educational purposes only and is not intended to be a comprehensive analysis of the topics discussed. It should not be interpreted as personalized investment advice or relied upon as such. The information is not intended to convey any implicit or explicit guarantee or sense of assurance that, if followed, any investment strategies referenced will produce a positive or desired outcome. All investments involve risk, including the potential loss of principal. There can be no assurance that any investment strategy or decision will achieve its intended objectives or result in a positive return. It is important to carefully consider your investment goals, risk tolerance, and seek professional advice before making any investment decisions.
1111 Episodes
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how investors should interpret the major geopolitical conflict unfolding in Iran and the broader Middle East. Allworth Chief Investment Officer Andy Stout joins the show to explain how markets are pricing in the uncertainty, why the Strait of Hormuz matters so much to global oil supply, and what a “worst-case” energy disruption could mean for inflation, Fed policy, and your portfolio. See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian ask a powerful retirement question: if work vanished tomorrow and money wasn’t a concern, who would you be? They explore why affluent professionals often fear losing purpose more than running out of money, how identity and spending shift after retirement, and why “test-driving” your next chapter may be the smartest move you make. Plus, what Americans say they’ll do with their tax refunds — and why reality will likely say otherwise.See omnystudio.com/listener for privacy information.
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 portfolioSee omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack why the rise of AI company Anthropic is moving markets—even though you can’t invest in it—and what that means for portfolios that may already be heavily exposed to tech. The conversation then shifts to retirement realities, including the often-underestimated cost of healthcare and the critical need to plan for cognitive decline before it becomes a crisis. They also highlight a troubling AI deepfake scam that cost an 82-year-old woman $200,000 and share practical steps to protect your family, while answering listener questions on Roth conversions, managing excess cash, and whether the AI boom is just another bubble in the making. See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest Social Security shortfall projections and what they really mean for your retirement plan, discuss whether new hedge-fund-style ETFs add real diversification or just complexity, explore how to stay relevant in an AI-driven workplace, and answer listener questions on portfolio risk, diversification, and protecting your financial information in today’s digital world.See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Supreme Court’s 6–3 ruling against a major part of President Trump’s global tariff strategy and what it means for the markets, the $133 billion already collected, and your portfolio, with insight from Allworth Chief Investment Officer Andy Stout in Cincinnati. They also dive into the growing push to add private equity to 401(k)s, the risks of over-optimizing your financial plan while ignoring big lifestyle decisions, listener questions on retirement income sustainability, inherited money anxiety, and exiting a business, and a controversial proposal to eliminate property taxes in Ohio — all with a focus on helping high-net-worth families tune out political noise and stay grounded in long-term fundamentals.See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the $2 million retirement illusion — why that number used to mean financial independence, but today can leave some families feeling secure and others deeply uncertain. They explain how inflation, taxes, lifestyle creep, supporting adult children and aging parents, and market volatility all impact what $2 million can realistically generate, why spending is the biggest lever in retirement success, and how the way your assets are structured (pre-tax vs. Roth vs. taxable) can dramatically change your outcome. See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why your cash hoard might be quietly costing you millions over time, even as the S&P 500 has delivered a 330% total return over the past decade with dividends reinvested. They break down the real risks of sitting on 15–30% in cash, why waiting for the “perfect” market pullback often backfires, and how to determine the right amount of liquidity within a comprehensive financial plan. Plus, smart strategies around tax extensions, Roth conversions before RMDs begin, concentrated stock positions, and the critical three-year runway before selling a business.See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore a simple phrase that could mean the difference between financial freedom and struggle: “the sooner the better.” They unpack new data around Gen X’s looming retirement crisis and what it means to be the first generation largely retiring without pensions. Then, they dive into a compelling new study showing how saving—not spending—could be the true key to financial happiness. Plus, career expert Julie Bauke joins to dissect “the executive dilemma”—when a promotion might not actually be the best next move. Finally, Bob and Brian answer real listener questions on managing capital gains, tapping into dividends, and planning for long-term care.See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the most expensive lies couples tell themselves about money—especially the dangerous comfort of saying “we’re fine” —and explain how a lack of communication around retirement timing, estate plans, and financial roles can cost families millions and fracture relationships. They also dig into why a single withdrawal rate like the traditional 4% rule isn’t enough, exploring sequence of returns risk, bucket strategies, flexible spending guardrails, and how small tweaks in Monte Carlo assumptions can dramatically change your plan’s success rate. Plus, Allworth’s in-house insurance expert, Jodee Deutsch, joins the show to discuss when life insurance shifts from simple protection to advanced estate and legacy planning, and how high-net-worth families can better align their wealth with their long-term goals.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 explain what a stronger-than-expected jobs report could mean for Fed rate cuts and your portfolio, break down a potential Social Security tax surprise tied to retroactive benefit payments, examine the pros and cons of trendy “buffered” annuities tied to international markets, warn about gold and AI-driven Ponzi scams, and answer listener questions on retirement spending, Monte Carlo projections, and building tax-smart income flexibility. See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the financial decisions that feel boring or easy to postpone often have the biggest impact on long-term success. From overlooked beneficiary designations and withdrawal strategies to missed tax-planning windows and life risks that don’t show up in market charts, they explain how successful families can do everything “right” and still run into avoidable problems. The conversation highlights why planning for taxes, longevity, healthcare, control, and flexibility matters just as much as investment returns—especially as net worth grows—and how proactive, thoughtful decisions today can protect both your lifestyle and your legacy.See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Brian unpacks a major market milestone as the Dow crosses 50,000, with Allworth CIO Andy Stout explaining what disciplined investors should do amid AI-driven volatility, valuation concerns, and mixed economic signals. They also dig into Bitcoin’s sharp drop and rebound, discussing whether crypto belongs in a real financial plan, then shift to the highly emotional decision of downsizing your home — covering taxes, lifestyle tradeoffs, and common mistakes retirees make. The show wraps with a powerful look at how small choices today can dramatically shape retirement outcomes years down the road.See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle the best—and worst—money advice you’re likely to hear at a Super Bowl party and explain why tips from “successful” friends, doctors, executives, or business owners can still lead you astray. They break down common myths like ditching bonds entirely, never selling company stock because of taxes, assuming your CPA is handling long-term planning, believing you’ll automatically be in a lower tax bracket in retirement, and thinking your kids will “figure it out” when they inherit your wealth. Along the way, they share smarter alternatives using tools like buffered ETFs, direct indexing, tax-loss harvesting, proactive tax planning, and intentional family conversations so party chatter doesn’t end up calling the plays in your real financial plan.See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain what the recent AI and Magnificent Seven pullback really means for investors, why volatility is normal when stocks are priced for perfection, and why diversification matters more than ever. They dig into the often-overlooked threat of rising healthcare costs in retirement, including Medicare premiums, IRMAA surcharges, HSAs, and Roth planning. They also break down where AI can help with financial decisions and where you still need a human in the room. The show answers listener questions on inherited IRAs, surprise capital gains in taxable mutual funds, and rebalancing during volatile markets, and closes with a candid look at financial secrecy in relationships and why transparency may be one of the smartest money moves you can make.See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why many investors who feel diversified may be taking on far more risk than they realize, as a small group of mega-cap tech stocks now drive a disproportionate share of market returns. They explain how popular index and total market funds can quietly become concentrated, especially for investors nearing retirement, and why volatility hurts more when you’re transitioning from saving to spending. Bob and Brian also share practical ways to think about true diversification—looking beyond cap-weighted U.S. stocks to international equities, small-cap value, private investments, and buffered ETF strategies—so your portfolio supports your retirement lifestyle instead of putting it at risk.See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down whether a strong January really sets the tone for the rest of the market. They explain why diversification is resurfacing as international stocks and small caps outperform, dig into why the world’s largest asset manager says bonds may no longer protect portfolios the way investors expect, and share smarter ways to manage risk and income in retirement, including shorter-duration bonds and buffered strategies. The show also tackles real planning decisions around selling appreciated investments, evaluating active managers, estate planning for blended families, and why proactive conversations around aging parents can prevent financial and emotional chaos later on.See omnystudio.com/listener for privacy information.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore a surprising truth: being intelligent doesn’t protect you from making poor financial decisions. In fact, sometimes it makes things worse. They uncover the hidden forces—confirmation bias, inertia, overconfidence—that trip up even the savviest investors, especially those who’ve accumulated real wealth. Learn why building systems and seeking second opinions is essential if you’re in the $2-10 million net worth range. Plus, they examine the looming retirement fears of Generation X, including healthcare costs and long-term care.See omnystudio.com/listener for privacy information.
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