Simply Money

On this episode of Simply Money presented by Allworth Financial, Bob and Brian unpack why the rise of AI company Anthropic is moving markets—even though you can’t invest in it—and what that means for portfolios that may already be heavily exposed to tech. The conversation then shifts to retirement realities, including the often-underestimated cost of healthcare and the critical need to plan for cognitive decline before it becomes a crisis. They also highlight a troubling AI deepfake scam that cost an 82-year-old woman $200,000 and share practical steps to protect your family, while answering listener questions on Roth conversions, managing excess cash, and whether the AI boom is just another bubble in the making.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest Social Security shortfall projections and what they really mean for your retirement plan, discuss whether new hedge-fund-style ETFs add real diversification or just complexity, explore how to stay relevant in an AI-driven workplace, and answer listener questions on portfolio risk, diversification, and protecting your financial information in today’s digital world.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Supreme Court’s 6–3 ruling against a major part of President Trump’s global tariff strategy and what it means for the markets, the $133 billion already collected, and your portfolio, with insight from Allworth Chief Investment Officer Andy Stout in Cincinnati. They also dive into the growing push to add private equity to 401(k)s, the risks of over-optimizing your financial plan while ignoring big lifestyle decisions, listener questions on retirement income sustainability, inherited money anxiety, and exiting a business, and a controversial proposal to eliminate property taxes in Ohio — all with a focus on helping high-net-worth families tune out political noise and stay grounded in long-term fundamentals.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the $2 million retirement illusion — why that number used to mean financial independence, but today can leave some families feeling secure and others deeply uncertain. They explain how inflation, taxes, lifestyle creep, supporting adult children and aging parents, and market volatility all impact what $2 million can realistically generate, why spending is the biggest lever in retirement success, and how the way your assets are structured (pre-tax vs. Roth vs. taxable) can dramatically change your outcome.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why your cash hoard might be quietly costing you millions over time, even as the S&P 500 has delivered a 330% total return over the past decade with dividends reinvested. They break down the real risks of sitting on 15–30% in cash, why waiting for the “perfect” market pullback often backfires, and how to determine the right amount of liquidity within a comprehensive financial plan. Plus, smart strategies around tax extensions, Roth conversions before RMDs begin, concentrated stock positions, and the critical three-year runway before selling a business.

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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.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the most expensive lies couples tell themselves about money—especially the dangerous comfort of saying “we’re fine” —and explain how a lack of communication around retirement timing, estate plans, and financial roles can cost families millions and fracture relationships. They also dig into why a single withdrawal rate like the traditional 4% rule isn’t enough, exploring sequence of returns risk, bucket strategies, flexible spending guardrails, and how small tweaks in Monte Carlo assumptions can dramatically change your plan’s success rate. Plus, Allworth’s in-house insurance expert, Jodee Deutsch, joins the show to discuss when life insurance shifts from simple protection to advanced estate and legacy planning, and how high-net-worth families can better align their wealth with their long-term goals.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain what a stronger-than-expected jobs report could mean for Fed rate cuts and your portfolio, break down a potential Social Security tax surprise tied to retroactive benefit payments, examine the pros and cons of trendy “buffered” annuities tied to international markets, warn about gold and AI-driven Ponzi scams, and answer listener questions on retirement spending, Monte Carlo projections, and building tax-smart income flexibility.

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