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
See omnystudio.com/listener for privacy information.
See omnystudio.com/listener for privacy information.
See omnystudio.com/listener for privacy information.
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 explain how seemingly smart financial decisions can actually work against each other when they're not part of a coordinated plan. From paying off your mortgage and managing retirement taxes to helping adult children and making charitable gifts, they reveal why timing matters. Plus, what new research says about Gen Z investing habits, how home appraisals ...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the stock market continues to climb despite stubborn inflation, rising gas prices, and economic uncertainty—and what that disconnect means for your investments. Plus, the latest Social Security changes, the hidden risks of adjustable-rate mortgages, career expert Julie Bauke on preparing emotionally for retirement, when helping adult ch...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest inflation numbers and what rising interest rates could mean for your portfolio, while also discussing Kroger’s major job cuts and the financial steps to take after a layoff. Plus, how to maximize your benefits during open enrollment, new scams targeting your money, the tax advantages of direct indexing, and knowing when it&rsq...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal what decades of bull and bear markets can teach investors about building long-term wealth, explain why some new ETFs look more like gambling than investing, and discuss the executive dilemma of whether a bigger paycheck and title are worth the trade-offs. Plus, smart strategies for reducing capital gains taxes, donating appreciated stock to charit...
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 why even great companies can become terrible investments, what earnings season could reveal about today's AI boom, and why some high earners are rethinking the advice to max out their 401(k)s. Plus, a financial makeover for empty nesters, smart ways to help adult children financially, what you should expect f...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle the biggest fears that can follow you into retirement—and how a solid financial plan can help put them in perspective. Plus, they reveal estate planning mistakes that can divide families, break down Cincinnati’s changing housing market, and answer your questions about selling a business, tax-loss harvesting, direct indexing, and Roth c...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why October is a critical time for year-end tax planning, including tax-loss harvesting, Roth conversions, and charitable giving strategies. Plus, they discuss whether a booming portfolio should change your retirement timeline, how to protect a sudden financial windfall, and smart ways to handle inheritances and family gifting.
On this episode of Simply Money presented by Allworth Financial, Bob and Brian play a financial game of “Would You Rather?” to tackle some of retirement’s biggest tradeoffs. Plus, they reveal the estate planning detail even wealthy families can overlook, explain why waiting too long to enjoy your money can be a retirement mistake, and answer listener questions about Roth conversions, concentrated stock, and planni...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest inflation numbers and what they could mean for the Fed, reveal why reading the fine print before buying a hot IPO matters, and debate whether your home should really be considered an investment. Plus, they tackle your questions about retirement savings, highly appreciated investments and gifting to your kids, and share ways to fight...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal the costly financial mistakes even successful investors can make, from concentrated investments and poor tax planning to holding too much cash and lifestyle creep. Plus, they explore the life decisions that can shape your wealth, explain when it’s time to review old insurance policies, and answer retirement questions about Roth conversions, ...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian look at whether higher Treasury yields should change your investment strategy, the growing concentration of the S&P 500, and why business owners need to start planning years before a sale. Plus, they tackle helping adult children buy a home, retiring years before your spouse, gifting appreciated stock, and when to claim Social Security.
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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why election-year anxiety shouldn’t drive your investment decisions. They dig into decades of market history showing how stocks have performed under both Republican and Democratic leadership, why presidents often get too much credit—or blame—for market returns, and why your long-term financial plan should matter far more than wh...
On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal how inflation quietly erodes your purchasing power—and why playing it too safe in retirement can create risks of its own. Plus, they look at what Home Depot’s remarkable long-term run can teach investors about chasing today’s hottest stocks, explain why too much loyalty to your employer could hurt your career, and answer question...
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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