Simply Money

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 right amount of cash. Plus, they discuss why the most important financial question you can ask right now is simply: what has changed in your life this year?See omnystudio.com/listener for privacy information.

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 about business exit planning, tax-efficient investing, and managing wealth more strategically.See omnystudio.com/listener for privacy information.

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 home, how to know if you can afford a career sabbatical, strategies for managing large required minimum distributions, and when it's time to simplify a rental property portfolio.  See omnystudio.com/listener for privacy information.

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 travelers are flocking to all-inclusive vacations, and share practical advice on managing a business-sale windfall, inheriting significant wealth, and determining the right amount of umbrella liability insurance for your family.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down Nvidia’s latest jaw-dropping earnings report and what the AI boom could mean for investors, productivity, and the future of work, while also exploring the wave of high-profile IPOs coming from companies like SpaceX and OpenAI. They discuss signs of growing speculation on Wall Street, why disciplined investors should be cautious as enthusiasm ramps up again, and how wealthy families can think through long-term care planning before a crisis forces difficult decisions. Plus, they answer listener questions about estate planning after the unexpected loss of a spouse, when Roth conversions make the most sense for high earners, the hidden tax traps with private company stock options, and why used electric vehicles may quietly be one of the best values in today’s car market.  See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why Nvidia’s earnings report could become a major report card on the entire AI infrastructure boom—and what high-net-worth investors should really be watching beneath the headlines as Wall Street starts demanding proof that massive AI spending will actually translate into long-term profits. They also discuss why your personal inflation rate in retirement may be far higher than the government’s CPI number, how overlooked estate planning strategies like the step-up in basis can potentially save families thousands in taxes, what to do after receiving a major liquidity event like the sale of a business or inheritance, whether moving to Florida for tax reasons truly makes financial sense, and why umbrella liability insurance may be one of the cheapest forms of financial protection available.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 break down how four big tech companies moved the market in minutes after earnings, why strong cloud growth continues to power the economy, what a steady GDP report really says about where we’re headed, and how big life decisions—from age-gap marriages to AI in the workplace—can impact your financial plan.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down three conflicting market predictions making headlines right now—and why reacting to any of them could derail your long-term plan—while also diving into the dangers of turning your 401(k) into a betting platform, whether a “too balanced” portfolio could actually hurt your growth, how appraisal gaps can impact what you really pay for a home, and smart strategies for high-net-worth investors including direct indexing, managing large IRA balances, and planning for long-term care without over-insuring.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down a bold—and controversial—investment strategy suggesting nearly half your portfolio belong in gold, commodities, and even Bitcoin, with zero allocation to bonds. They dig into why some global strategists are losing faith in traditional portfolio construction, what’s really driving the fear around inflation and government debt, and why abandoning bonds altogether could create more volatility—not less. Plus, a reality check on cryptocurrency as a true currency, including what happened when El Salvador made Bitcoin legal tender—and why it hasn’t delivered on its promises. Finally, they explain how smart bond management—like adjusting duration and laddering maturities—can still play a critical role in building a resilient, income-producing portfolio.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian take a deep dive into one of the most dangerous phrases in investing—“this time is different”—and why history shows that investor behavior often repeats itself, even when markets, technology, and opportunities evolve. They walk through a century of market cycles, from the optimism of the Roaring 1920s and the devastation of the Great Depression, to the dot-com bubble, the housing crash of 2008, and the more recent frenzy around SPACs, meme stocks, and crypto. Along the way, they share personal stories from their early careers, highlighting how real experience through a full market cycle shapes smarter investors, and why understanding behavioral biases like recency bias and overconfidence is critical—especially for those managing significant wealth.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the market reaction to escalating conflict in the Middle East and explain why, despite headlines that feel different every time, markets price expected earnings—not emotion. They walk through the psychological biases that can push even experienced, high-net-worth investors into costly mistakes and outline what would truly signal a structural market shift. Then, they uncover a hidden tax bomb that may be lurking in your brokerage account—especially if you hold highly appreciated ETFs or concentrated company stock—and share smart, multi-year strategies to manage capital gains before they manage you.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 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 investors – and what that could mean for your portfolio. The guys also answer listener questions on Roth conversions, skyrocketing RMDs, and managing early retirement health insurance. Finally, cybersecurity expert Dave Hatter joins to explain why your inbox might be the weakest link in your financial life.See omnystudio.com/listener for privacy information.

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-loss harvesting, buffered ETFs, and how direct indexing can help high-net-worth investors stay ahead. Plus, a new report shows the average 50-something American now has a net worth over $1 million. But how did they get there—and does it even mean they're ready for retirement? Bob and Brian unpack the wealth-building habits that really matter and the next-level strategies for those with a higher net worth.See omnystudio.com/listener for privacy information.

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 don’t fully understand the tax implications. Plus, they reveal how 34 billionaires got it wrong when trying to predict the stock market in 2025.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal the four hidden forces that influence every major financial decision — even for the most seasoned, high-net-worth investors. Whether it's fear, guilt, social pressure, or family history, these emotional undercurrents can derail smart planning. Hear real-life stories, and learn how to spot and navigate the subconscious drivers behind your financial choices. Plus, what to do when a dinner table conversation exposes a blind spot in your plan, how to protect your wealth through a divorce, and the most common mistakes multi-millionaires are still making.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the traditional notion of retirement. Is it really about never working again? Or is the real dream having the freedom to work on your terms? They dig into why more high-net-worth families are choosing “financial flexibility” over full retirement, how to plan for that transition, and the hidden tax advantages that can make it work. Plus, the emotional—and often overlooked—decision to downsize your home, why clinging to old investments could hurt your future, and how a “retirement time machine” approach can help you make smarter money moves today.  See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian take a deep dive into what really happened in 2025 — and why the investing fundamentals they shared all year long held up once again. From President Trump’s return and a new wave of tariffs, to a Federal Reserve caught between inflation and politics, to a stock market rally that rewarded patient investors — they told you what to expect, and they were right. Hear what mattered most, what moved the markets, and what lessons investors should take into 2026. Plus, the rise of real financial resolutions, how to measure if your money actually did its job this year, and your smart money questions answered.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down one of the biggest misconceptions in investing: risk. What most people think is risk—market ups and downs—is actually just volatility. The real risk? Overspending your retirement, missing out on growth, or playing it too safe. Bob and Brian walk through the critical differences, offer real-life examples with hard math, and explain how a misread on risk can jeopardize your long-term wealth. Plus, they share insights on stock market bubbles, lessons from the Vanderbilt family's fall from fortune, and whether Roth conversions make sense when you don’t need the money yet.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian expose the hidden financial risks that even financially comfortable families often overlook — like gaps in liability protection, cyber threats, and uncoordinated estate plans. They unpack why an umbrella insurance policy is a must-have, especially if your net worth has made you a target. Then, are your investments really diversified — or just duplicated? They dig into how overlapping holdings in your accounts could leave you vulnerable in a downturn, and what true diversification actually looks like. Plus, they tackle the emotional side of money: how to fireproof your finances from family drama, whether it's sibling tensions over a family business or preparing for generational wealth transfer. And for anyone with too much company stock, they explore smart, tax-efficient ways to unwind concentrated positions and protect your portfolio from unnecessary risk.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by Allworth’s Chief Investment Officer Andy Stout to unpack why the latest inflation report might not be as positive as it seemed — including how a government shutdown may have warped the data. Plus, what the SEC just approved that could revolutionize how traditional investments are processed, and how Robinhood’s latest move blurs the line between gambling and investing. Later, the guys dig into the generational divide on fixing Social Security and answer your smart money questions — from multi-account withdrawal strategies to understanding bond fund risk.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore the hidden financial traps even the smartest, wealthiest investors fall into—often because of their own brains. From overconfidence and loss aversion to chasing performance and underestimating taxes, the co-hosts share real-life stories of multimillionaires who made emotional missteps that cost them dearly. They break down how even savvy executives, business owners, and retirement-ready couples can unintentionally sabotage long-term success. Learn how to protect yourself with smart strategies like automated rebalancing, bucket strategies, asset location, and avoiding costly tax surprises.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 explain why the smartest money on Wall Street is bracing for volatility in 2026 — and why you should be too. With midterm elections looming, sticky inflation, and unpredictable earnings, investors with millions in the market need to prepare for a rockier road ahead. They outline what a “happy but exposed” growth investor should be doing right now to manage risk (especially if you're tech-heavy), and why “underperforming diversifiers” shouldn’t panic — but might need to rethink their strategy. From buffered ETFs to rebalancing to international exposure, hear what tweaks can help your portfolio thrive, not just survive. Plus, the surprising mindset trap that could leave you vulnerable next year — and the one guarantee Brian is willing to make about the markets.  See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by a very special guest: Dr. Loretta Mester, former President of the Federal Reserve Bank of Cleveland and one of the most influential voices in monetary policy. Alongside Allworth's Chief Investment Officer Andy Stout, the team gets Dr. Mester’s exclusive insight on the Fed’s recent rate cut, where inflation is really headed, and what she sees for the economy in 2026. Plus, she pulls back the curtain on what it’s actually like inside a divided Fed when key policy decisions are being made. Later, Bob and Brian break down why your once-smart financial tools—like whole life insurance, muni bonds, or annuities—could now be holding you back. And, could 12-year-olds be the next big investors? They explore a surprising trend among today’s youngest market participants.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by Allworth CIO Andy Stout to preview the Federal Reserve’s final meeting of the year. With a rate cut all but guaranteed, what really matters is how Jerome Powell sets expectations for early 2026—and how a divided Fed committee might shape the path ahead. Andy unpacks what high-net-worth investors need to watch in the upcoming dot plot and why rebalancing your portfolio now could be crucial. Then, Bob and Brian dig into why more than 70% of millionaires don’t feel wealthy—and how to shift your mindset (and your plan) to regain confidence. They also reveal the three costly financial gaps that can hit if you retire before 65. And in the listener mailbag: mutual funds vs. ETFs in retirement accounts, understanding real bond yields, and how to handle today’s top-heavy S&P 500.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian introduce the “financial freedom test drive”—a bold way to rehearse retirement before you take the plunge. Learn why trying out your withdrawal strategy and lifestyle early could save you from major surprises later. Then, they tackle the “millionaire’s income problem,” where pulling money out of your portfolio the wrong way can cost you in taxes, Medicare premiums, and peace of mind. They’ll cover Roth conversion ladders, municipal bonds, rental income strategies, and real-world withdrawal tactics for people with significant assets. Plus, the guys share the uncomfortable but crucial conversation every couple should have: “What happens if I die first?” And finally, they break down the dream—and reality—of retiring overseas. From taxes to healthcare to missing Elder football games, this episode is packed with practical insight for high-net-worth families preparing for the next chapter.See omnystudio.com/listener for privacy information.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal a stunning stat: just two companies—Alphabet and Nvidia—are responsible for a third of the S&P 500’s returns this year. If you think you’re diversified just because you own an index fund, think again. They dive into the historical precedent for today’s market concentration, the real risks of overexposure to big tech, and what smart investors should consider instead—including equal-weight ETFs, buffered products, and direct indexing.  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 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 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 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 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 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 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 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 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 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 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 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 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 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 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.See omnystudio.com/listener for privacy information.

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.See omnystudio.com/listener for privacy information.

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.See omnystudio.com/listener for privacy information.