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.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the highly anticipated SpaceX IPO and what investors need to know before jumping in, discuss why semiconductor stocks have become one of the biggest winners of the AI boom, examine the latest Social Security COLA projections and what they could mean for retirees, share real estate design trends that can help maximize your home's value, and answer listener questions on inheritances, retirement spending, wealth preservation, and how your financial picture compares to your peers.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest inflation report and what rising energy prices could mean for interest rates under new Fed Chair Kevin Warsh. They also discuss Fifth Third’s historic move to the New York Stock Exchange, why regulators just made day trading easier for everyday investors, and whether that’s a recipe for financial success or disaster. Plus, the latest scams tied to major events like the World Cup, strategies for evaluating an early retirement buyout offer, smart ways to manage capital gains, and how grandparents can use 529 plans to help build a lasting financial legacy.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain what true diversification looks like in today's market—and why owning more investments doesn't always reduce risk. They also discuss a proposal that could bring private equity, crypto, and other alternative investments into 401(k) plans, and whether highly compensated employees have enough life and disability insurance coverage. Plus, they answer listener questions on navigating different retirement timelines, protecting family wealth from divorce risk, tax planning after moving to Florida, and preparing to sell a closely held business.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why a surprisingly strong jobs report may keep the Fed on hold longer than investors expected, what that means for inflation, interest rates, and your portfolio, and why reacting to headlines can be costly. They also discuss the unique financial planning challenges facing couples with significant age gaps, how to future-proof your career in the age of AI, whether a financial advisor is worth the cost, strategies for managing future required minimum distributions, how the mega backdoor Roth works, and the age-old question: should you pay off your mortgage early or invest the money instead?

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle a critical question for investors: what happens if the next decade of market returns doesn’t cooperate—and does your financial plan rely on strong returns just to survive? They break down how to properly stress test your retirement plan using real-world scenarios, Monte Carlo analysis, and the importance of separating must-have expenses from discretionary spending to weather any environment. Plus, they dive into the hidden complexities of restricted stock units (RSUs), including how they’re taxed, vesting schedules, and why they should be treated as a concentrated position in your portfolio. You’ll also hear strategies for protecting your retirement timing from market downturns, how to think through pension lump sum versus income decisions, and smart ways to gift money for major life events without triggering unnecessary taxes.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian put AI to the test, asking ChatGPT some of the most common financial planning questions—from Roth conversions and Social Security timing to concentrated stock positions and paying off a low-rate mortgage. They break down where artificial intelligence gets it right, where it falls short, and why context, personalization, and human judgment still matter when making major financial decisions.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore whether artificial intelligence is truly the next great investing revolution or just the latest market obsession, drawing lessons from railroads, oil, automobiles, and the dot-com boom. They also discuss why timing matters in major financial decisions, strategies for unwinding concentrated stock positions, opportunities created by low-income years, the latest trends in the Cincinnati housing market, and the most common mistakes first-generation millionaires make.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what's fueling the market's powerful rally and why the gains are extending far beyond the Magnificent Seven. They also discuss a possible solution to Social Security's funding crisis, strategies for unwinding concentrated stock positions without creating a tax headache, when Roth conversions make sense—and when they don't—and how families can start meaningful conversations about future inheritances.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down whether Wall Street is getting ahead of itself as stocks continue climbing to new highs, with Allworth Chief Investment Officer Andy Stout weighing in on interest rates, inflation, AI's impact on jobs, and what investors should really be watching next. Plus, the cautionary tale behind NASCAR legend Kyle Busch's legal battle over indexed universal life insurance, what every investor needs to know before using life insurance as an investment strategy, answers to listener questions about Treasury Inflation-Protected Securities (TIPS), preparing financially for cognitive decline, and navigating inheritance decisions when children have dramatically different earning power. And finally, there's encouraging news on retirement savings habits as Americans quietly make a move that could significantly improve their long-term financial security.

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