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 explain why the most expensive financial decisions often aren’t the ones you make — they’re the ones you avoid . They walk through real-life examples of high-net-worth families who delayed portfolio changes, tax planning, diversification, or retirement decisions, only to face bigger consequences later. The guys also break down why a &ld...
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&rdqu...
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 explain why a mid-year financial review is about much more than investment performance. They break down how to make sure your portfolio still aligns with your goals, uncover tax-saving opportunities before year-end, evaluate retirement progress, update estate planning documents, review beneficiary designations, and determine whether you're holding the ri...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the seven financial lies we tell ourselves—from believing more money will finally make us happy to thinking we can time the market, save later, or figure everything out on our own. They also discuss the financial realities of divorce, why cybercriminals are increasingly targeting seniors and their life savings, how to prepare your spouse...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the stock market’s boring days are often the most important for building long-term wealth, and why trying to time the market can come at a steep cost. They also discuss the growing AI investment frenzy in Taiwan and the dangers of chasing hot trends, cybersecurity risks lurking inside smart home devices, and answer listener questions ab...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why many investors who think they’re diversified may actually have far more exposure to AI and semiconductor stocks than they realize, how concentration risk has shown up throughout market history, and what wealthy investors can do to protect against it. They also break down the recent pullback in private credit funds, the dangers of relyin...
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 eve...
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 hom...
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 join...
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 strateg...
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 ...
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 ...
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 travel...
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 ans...
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. Plu...
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 ...
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 th...
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 expense...
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 mat...
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