Simply Money

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

October 8, 2025 41 mins
On this episode of Simply Money presented by Allworth Financial, Bob and Brian dig into the ongoing government shutdown and the financial ripple effects it could cause. Then, they expose the four-letter word quietly eating away at your wealth and how to make sure you’re actually getting value for what you pay. Plus, real estate expert Michelle Sloan shares whether Cincinnati’s housing market is cooling or heating up, and the guys t...
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On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian discuss the government shutdown, and dive into how diversification in the S&P 500 is quietly making a comeback as the so-called "Magnificent Seven" lose steam. Then, they explore how two families with the same wealth can have totally different outcomes—because of planning. Plus, your questions answered: structured notes, gold as a safe haven, and ...
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian bust some of the biggest money myths that could sink your financial future — from “I’ll just work forever” to “downsizing my house will give me a windfall” to “Medicare will cover long-term care.” They’ll explain why these assumptions can derail even the best-laid retirement plans and how to replace wishful thinking with solid math. Plus, are we already ...
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian tear into the latest batch of financial fear-mongering—those breathless headlines about shutdowns, gold spikes, Bitcoin surges, and the so-called "Wall Street fear index." They explain why these narratives often lack critical context and what really moves markets long term. Plus, they tackle open enrollment with smart, high-net-worth strategies for your ...
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On today’s episode of Simply Money presented by Allworth Financial, Bob and Brian explain why most of the government keeps running during a shutdown—and why investors shouldn’t panic. Plus, wealthy Americans are giving less to charity. We unpack the reasons and show you smarter ways to give using donor-advised funds and IRAs. And—what’s the best financial advice people ignore? We share the simple strategies that too many high-net-w...
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack the “smart-sounding” money advice that can quietly sabotage your future—from skipping Roth conversions and “going broke safely” in cash, to one-fund DIY investing without a plan, estate-planning myths that lead to probate messes, and being sold permanent life insurance instead of building a tax-smart strategy. They also dig into FINRA’s move to lo...
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September 30, 2025 41 mins
On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack why the Fed’s preferred inflation gauge (core PCE) near 3% and surprisingly strong GDP make additional rate cuts tricky. They challenge one-size-fits-all Roth conversions—“pay taxes when you’ll pay less”—and mark 50 years of index funds, noting both their low-cost power and today’s concentration risks. Plus: listener questions on backdoor Roths, c...
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September 26, 2025 38 mins
On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack four hidden forces that quietly drive high-stakes money choices—even when the spreadsheet says “go.” They share real “financial confessions” from successful investors, outline costly divorce mistakes, and tackle a rapid-fire Ask the Advisor on wash sales, annuities, private credit, and the #1 mistake for households with a few million saved.
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September 25, 2025 38 mins
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why inflation and interest-rate cycles look scarier in headlines than they are for long-term investors—zooming out from Volcker to near-zero rates to today to show how markets normalize. They turn that history into action: how to position cash and bonds as rates shift, match time horizons to risk, and avoid headline chasing. Plus, the Social Secu...
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September 25, 2025 38 mins
On this episode of Simply Money presented by Allworth Financial, Bob and Brian share the biggest regrets wealthy retirees face — and how to avoid them. They also cover how to turn severance into strategy, ways to protect your privacy from Google, listener questions on direct indexing and estate planning, and Brian’s bottom line on the Secure Act 2.0.
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September 24, 2025 39 mins
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the looming government shutdown and what it could mean for your investments in the short term. They also dive into why investors are holding a record $7.7 trillion in money market funds, and whether that’s a smart move in today’s market. Plus, they unpack the real cost of the American Dream—homes, kids, health care, and more—and how planning c...
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September 22, 2025 39 mins
On this episode of Simply Money presented by Allworth Financial, Bob and Brian get Allworth Chief Investment Officer Andy Stout’s take on the Fed’s latest rate cut and what it really means for investors. They also cover new IRS rules pushing high earners’ 401(k) catch-ups into Roths, why HSAs are the most overlooked tax break, and how to protect your retirement from sequence of return risk. Plus, real listener questions on private ...
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September 19, 2025 38 mins
On this episode of Simply Money presented by Allworth Financial, Bob and Brian share the “financial deep clean” every high-net-worth investor should do. They break down an Ohio company’s surprise move to cut its 401(k) match, and ask if billionaires really follow through on their giving pledges. Plus, they answer your questions.
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September 19, 2025 38 mins
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Fed’s latest rate cut, why Social Security’s raise may not feel like one, and how to know if golden handcuffs are holding you back. Plus, Allworth CIO Andy Stout joins to talk faith-based investing, and the guys answer your biggest retirement questions.
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September 18, 2025 41 mins
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Federal Reserve’s first rate cut since December, what it means for your savings, mortgage, and investments, and why the real question now is: what happens next? They also debate President Trump’s renewed call to end quarterly earnings reports, weighing the pros and cons for investors like you. Then, the guys tackle one of the most importan...
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September 17, 2025 40 mins
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...
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September 16, 2025 41 mins
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what the Federal Reserve’s next move could mean for your money. Allworth Chief Investment Officer Andy Stout joins the show to preview this week’s Fed meeting, explain why inflation remains sticky, and share what the “dot plot” really tells us about future rate cuts. Then, Bob and Brian stress test portfolios against everything from a sudden m...
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September 12, 2025 37 mins
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what your “money personality” says about the way you invest—and how it might be helping or hurting your long-term plan. Are you a thrill-seeker, a security blanket, a control freak, a balanced mediator, or maybe even an ostrich with your head in the sand? They’ll walk through the pros and cons of each type and how to build a portfolio that act...
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September 12, 2025 38 mins
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why it now appears absolutely certain that lower interest rates are on the horizon. Plus, they share the smart way to avoid a tax bomb and bring you their Ask the Advisor segment.
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September 12, 2025 40 mins
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest Consumer Price Index report and what it means for your wallet, discuss why Oracle is suddenly the market’s newest darling, and explain what a drop in mortgage rates could mean for both buyers and refinancers. They also explore Robinhood’s push into social investing, whether alternative strategies like gold and copper are smart diver...
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