Simply Money

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down a potential inflation spike driven by surging oil prices and what it means for Fed rate cuts, while also explaining why your retirement “number” might be completely wrong, how sudden wealth can quietly destroy your finances, and answering listener questions on investing cash, gifting strategies, and making sure your plan actually lasts as long as you do.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the biggest investing mistakes they know happened during a volatile week in the markets—from chasing scary geopolitical headlines and trying to time sector moves like gold and energy, to overreacting to massive daily swings and sitting on cash waiting to “buy the dip.” They explain why the market often prices in news before you can act, how missing just a handful of the best days can derail long-term returns, and why doing nothing can sometimes be the most disciplined—and profitable—move. Plus, they share what smart investors actually did this week, including rebalancing, tax loss harvesting, and revisiting their financial plans to stay on track.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the market isn’t reacting to headlines—but pricing in what comes next—and how indicators like the VIX can help high-net-worth investors better understand volatility, risk pricing, and opportunity. They also dive into Apple at 50 and whether it still deserves a place in your portfolio today, how to handle financial pressure from family and friends without damaging relationships, smart strategies around tax loss harvesting and Roth conversions, and what many investors misunderstand about target date funds.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why reacting to headlines and trying to time market sectors—from energy to tech to gold—can derail your long-term plan, especially in fast-moving geopolitical environments, while also breaking down a push to bring private equity and crypto into 401(k)s, what to do with a major inheritance, how to coordinate deferred comp, smart charitable giving strategies, what’s really happening in Cincinnati’s spring housing market, and why your tax return holds key planning opportunities.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why investors aren’t panicking despite rising geopolitical tensions, what that means for your portfolio, and how to prepare for volatility with smart planning, liquidity, and tax strategies—plus insights on life insurance decisions, concentrated stock risk, selling a business, Roth conversions, and why having proactive family conversations about long-term care matters more than ever.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the recent market volatility and why corrections are a normal part of investing, with insight from CIO Andy Stout on what history tells us, where global markets stand, and what his recession scorecard is signaling. They also discuss the looming Social Security shortfall and lack of action in Washington, the growing $1 trillion impact of unpaid caregiving on families, and answer listener questions on direct indexing, trusts, and charitable strategies—plus a look at teens getting early access to investing and what that means for financial education.

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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.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why recession headlines don’t tell the full story, the hidden risks in private credit and alternative investments, and why many high-net-worth retirees are actually saving too much instead of enjoying their money—plus answers on insurance, taxes, and helping your kids financially.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how to turn market volatility into opportunity—using smart strategies like tax loss harvesting and direct indexing to play both defense and offense—while also tackling the reality that many retirees don’t get to “call their shot,” how to prepare for an earlier-than-planned exit from the workforce, the latest scams targeting your money, and practical advice on everything from cash reserves to navigating family financial dynamics.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why so many people who have done everything right—saved, invested, and built significant wealth—still don’t feel confident about their financial future. They explore the difference between passive decision-making and intentional planning, the two factors that truly move the needle, and why “hoping it all works out” can quietly derail even strong portfolios. Plus, why a financial windfall can be a risky moment if you act too quickly, how AI is starting to influence financial decisions (for better and worse), and answers to listener questions on managing concentrated stock positions, coordinating income across accounts, planning for market downturns, and making sure your financial life is prepared for the unexpected.

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