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, Bob and Brian crash-test a $3 million retirement plan against market drops, overspending, family gifts, and an early death. Plus, they lay out a five-year retirement countdown, explain how to help your kids without creating financial problems, and discuss smart tax moves that could open up once the paycheck stops.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the hype and risks surrounding a potential blockbuster Anthropic IPO, why some retirees may actually be too reluctant to spend their savings, and why your portfolio’s purpose should matter more than chasing returns. Plus, they tackle your questions on early retirement, leaving money to your kids, and what soaring diesel prices could mean...
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain how your financial past can quietly shape the decisions you make today. From childhood money lessons to the scars left by 2008, they reveal why the habits that helped you build wealth may not always be the ones that help you enjoy and protect it—and how to keep old fears from hijacking a good financial plan.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian talk with former Cleveland Fed President Dr. Loretta Mester about the Fed’s latest rate hike, stubborn inflation, and why Americans still feel uneasy about the economy. Plus, how to build tax flexibility into your retirement plan, prepare for long-term care costs and market downturns, and the simple habits everyday millionaires use to build lasting...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Federal Reserve’s latest rate hike and what it could mean for your cash, bonds, and portfolio. Plus, how to diversify a concentrated stock position without creating a massive tax bill, why equal isn’t always fair when dividing an inheritance, and smart answers to your questions about dividend reinvestment, umbrella insurance, a...
On this episode of Simply Money, Bob and Brian count down the 10 decisions that can make or break your retirement plan. Plus, they reveal why some “set it and forget it” investment strategies may deserve a second look, tackle your questions about tax-smart investing and helping the next generation, and explain why slowing down could save you from a costly financial mistake.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian examine why stubborn inflation and rising oil prices could push the Fed toward another rate hike, and what that could mean for your portfolio. Plus, how much cash is too much, the cybersecurity mistakes putting your wealth at risk, smarter ways to help your kids financially, and tax strategies involving charitable giving, stock options, and tax-managed i...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian reflect on the 25th anniversary of 9/11, the extraordinary resilience Americans showed in the aftermath, and the lessons investors can still take from that uncertain period. They look back at how markets responded, why trying to time your way around a crisis can backfire, and how a strong financial plan prepares for the unexpected.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the key financial moves that matter most in every decade of your life—from building wealth in your 20s and 30s to protecting it in your 40s and preparing for retirement in your 50s and beyond. They also explain how hidden tax traps can develop inside brokerage accounts, answer listener questions on e...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why your net worth may not tell the full story of your financial health, how to identify your most valuable asset at every stage of life, and why forgotten 401(k)s deserve a closer look. Plus, they tackle retirement spending, helping your kids financially, concentrated stock positions, and when it’s time to rethink an old life insurance pol...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the surprisingly strong jobs report and what it could mean for interest rates, reveal a little-known way some high earners can put significantly more into their 401(k), and explain when Roth conversions and charitable remainder trusts make sense. Plus, the end-of-summer home repairs that could save you thousands and some encouraging news about...
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle the “one more year” retirement trap—why even wealthy investors can struggle to walk away from work, how to determine when you truly have enough, and why the emotional side of retirement can matter just as much as the math.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian follow a Cincinnati couple with a $4 million net worth through the transition into retirement—breaking down how to replace a paycheck, navigate Social Security and taxes, help adult children, and decide what they can truly afford. Plus, they fast-forward 10 years to reveal which retirement decisions mattered most.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain how to stress-test your portfolio before the next market downturn, why retirement planning can look surprisingly different for people without children, and what homeowners can learn from the latest trends at Cincinnati’s Homearama. Plus, they tackle how to coordinate your financial team, where commercial real estate fits in a portfolio, hel...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the first five years of retirement can make or break your financial plan, how a rising market can quietly increase the risk in your portfolio, and why having enough money to buy something doesn’t necessarily mean you should. Plus, they tackle tax-loss harvesting pitfalls, managing concentrated company stock, and why today’s mortga...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what a more hawkish Federal Reserve could mean for your portfolio, why Bitcoin’s latest surge shouldn’t trigger FOMO, and how retirees can turn years of disciplined saving into a retirement they actually enjoy. Plus, smart strategies for Roth conversions and charitable giving, managing a highly appreciated stock position, and an es...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore how fear of future regret can quietly drive your financial decisions—from holding too much company stock and delaying retirement to hesitating to help your kids or spend on meaningful experiences. They explain why a strong financial plan can give you the confidence to use your wealth with purpose instead of constantly worrying about what co...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down Nvidia’s latest earnings and what the market reaction says about sky-high expectations surrounding artificial intelligence. Plus, they examine Bill Gates’ warning about the economic disruption AI could create, including the potential impact on jobs, taxes, and the future of the American workforce.
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