Simply Money
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.
Episodes
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 ha...
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. Th...
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 mor...
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 ...
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 sy...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why retirement today looks nothing like it did for previous generations. From skyrocketing healthcare costs and longer lifespans to new tax law changes and the growing complexity of managing large retirement accounts, they explore how to truly prepare for this new era. They explain why many retirees are still working—not out of necessity...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into a major shakeup at the Federal Reserve as a new nominee emerges to potentially lead the Fed—and why that news sent shockwaves through gold, silver, crypto, and currency markets. Allworth Chief Investment Officer Andy Stout joins the show to break down what a Kevin Warsh–led Fed could mean for interest rates, the Fed’s massive b...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Federal Reserve’s decision to hold interest rates steady and what it means for high-net-worth investors in 2026. They unpack the surprising drop in consumer confidence despite strong economic indicators, and analyze the growing risk of a government shutdown. Plus, how “Roaring Kitty” and the GameStop saga empowered retail...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian go inside the mind of the millionaire. They reveal why wealth isn’t just about what you invest in—it’s about how you think about money. From panic-selling to playing the long game, they break down how successful families approach risk differently. You’ll hear why a comprehensive financial plan beats a bucket of investments every t...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore what true wealth in retirement really means, from aligning your spending with your values to making smart pension choices, planning for business succession, and tackling real listener questions about emergencies, uneven expenses, and estate duties.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian share a critical warning for anyone working with a financial advisor—especially if you've never verified their credentials—by breaking down a shocking real-life fraud case and explaining how to protect yourself. They then explore whether gold deserves a place in every investor’s portfolio, offering a measured take that separates fear fr...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into a question every successful saver eventually faces: Are you building the life you want—or just building a bigger balance sheet? They explore the “scoreboard syndrome” that drives high-net-worth individuals to keep chasing higher numbers without knowing why, and share real stories of clients with millions who hesitate to spend e...
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 cr...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how to handle your money when markets get rattled by tariff talk and headline hysteria. With President Trump stirring global conversations in Davos and fresh concerns over trade wars, unrest, and corporate profits, they revisit the fundamentals: staying invested, rebalancing, and using market volatility to your advantage. They also examine tax...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest tariff threats and why Greenland is suddenly the geopolitical flashpoint the markets didn’t ask for—but got anyway. They dive into whether a volatile global backdrop is reason enough to adjust your investment outlook. Then, they shift to a breakdown of today’s ETF landscape: from classic index funds to sector-speci...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack the booming world of alternative investments—from gold and crypto to private equity and real estate. Is now the time to diversify beyond stocks and bonds? Plus, what big bank earnings tell us about the economy, what a Cincinnati real estate expert sees in 2026, and how to financially support aging parents without derailing your own reti...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle one of the most common mistakes they see this time of year: letting taxes dominate your investment decisions. With tax season officially beginning January 26th and a slightly restructured tax code, they explore how fear of the IRS can lead investors to stay paralyzed—often sitting on highly appreciated stocks or annuities simply because they...
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