Simply Money

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 explore whether we’re living through another tech bubble — this time fueled by artificial intelligence. Is the massive investment in AI setting us up for a painful correction in 2026? They dig into market concentration, inflated valuations, and why companies like Nvidia, Oracle, and OpenAI are raising red flags for some investors. You’ll also hear why now is a smart time to rebalance your portfolio — but not the old way — and how high-net-worth investors are using buffered ETFs and direct indexing to level up their financial strategy. Plus, estate planning mistakes that can cost your heirs big time, and real answers in the Ask the Advisor segment — from embedded portfolio risk to downsizing dilemmas.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the smartest money on Wall Street is bracing for volatility in 2026 — and why you should be too. With midterm elections looming, sticky inflation, and unpredictable earnings, investors with millions in the market need to prepare for a rockier road ahead. They outline what a “happy but exposed” growth investor should be doing right now to manage risk (especially if you're tech-heavy), and why “underperforming diversifiers” shouldn’t panic — but might need to rethink their strategy. From buffered ETFs to rebalancing to international exposure, hear what tweaks can help your portfolio thrive, not just survive. Plus, the surprising mindset trap that could leave you vulnerable next year — and the one guarantee Brian is willing to make about the markets.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by a very special guest: Dr. Loretta Mester, former President of the Federal Reserve Bank of Cleveland and one of the most influential voices in monetary policy. Alongside Allworth's Chief Investment Officer Andy Stout, the team gets Dr. Mester’s exclusive insight on the Fed’s recent rate cut, where inflation is really headed, and what she sees for the economy in 2026. Plus, she pulls back the curtain on what it’s actually like inside a divided Fed when key policy decisions are being made. Later, Bob and Brian break down why your once-smart financial tools—like whole life insurance, muni bonds, or annuities—could now be holding you back. And, could 12-year-olds be the next big investors? They explore a surprising trend among today’s youngest market participants.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Fed's latest interest rate cut—what it means for mortgages, savings rates, and why younger homebuyers may still feel squeezed. Then, they dive into a critical end-of-year financial planning reminder: take your required minimum distributions (RMDs) by December 31st or risk a 25% IRS penalty. They also tackle a headline-grabbing claim that passive investing is “worse than Marxism” and explain what’s really at stake for your portfolio. Plus, the Better Business Bureau joins to spotlight the biggest holiday scams of 2025, and the guys answer listener questions about tax alpha, benchmarks, and how to unwind capital gains the smart way.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian uncover the crucial differences between financial advisors who are just going through the motions and those truly playing offense—actively helping high-net-worth clients reduce taxes, build legacy plans, and take control of their financial futures. Learn the red flags that suggest your advisor may be stuck in the past and the proactive strategies—like Roth conversions and tax-efficient income planning—that can dramatically improve your long-term outcomes. Plus, find out what Vanguard is doing that could make your 401(k) feel more like a pension, when it makes sense to start financially helping your kids now, and how to plan your estate beyond just taxes and probate. It’s a jam-packed show for anyone who wants to stay sharp and plan smarter.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by Allworth CIO Andy Stout to preview the Federal Reserve’s final meeting of the year. With a rate cut all but guaranteed, what really matters is how Jerome Powell sets expectations for early 2026—and how a divided Fed committee might shape the path ahead. Andy unpacks what high-net-worth investors need to watch in the upcoming dot plot and why rebalancing your portfolio now could be crucial. Then, Bob and Brian dig into why more than 70% of millionaires don’t feel wealthy—and how to shift your mindset (and your plan) to regain confidence. They also reveal the three costly financial gaps that can hit if you retire before 65. And in the listener mailbag: mutual funds vs. ETFs in retirement accounts, understanding real bond yields, and how to handle today’s top-heavy S&P 500.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal what wealthy families are doing in December that most people completely overlook. While many go into coast mode during the holidays, high-net-worth individuals are making smart year-end moves—rebalancing their portfolios, harvesting tax losses (and gains), and donating appreciated assets through donor-advised funds.

They’ll also explain why December is the perfect time to talk to your kids about your estate plan, how to take advantage of qualified charitable distributions from your IRA if you're over age 70½, and how to gift money to your family now—completely tax-free. Plus, they tie it all together with a powerful message about using the holidays to pass on your values, not just your wealth.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian introduce the “financial freedom test drive”—a bold way to rehearse retirement before you take the plunge. Learn why trying out your withdrawal strategy and lifestyle early could save you from major surprises later. Then, they tackle the “millionaire’s income problem,” where pulling money out of your portfolio the wrong way can cost you in taxes, Medicare premiums, and peace of mind.

They’ll cover Roth conversion ladders, municipal bonds, rental income strategies, and real-world withdrawal tactics for people with significant assets. Plus, the guys share the uncomfortable but crucial conversation every couple should have: “What happens if I die first?” And finally, they break down the dream—and reality—of retiring overseas. From taxes to healthcare to missing Elder football games, this episode is packed with practical insight for high-net-worth families preparing for the next chapter.

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On this episode of Simply Money presented by Allworth Financial, Bob and Brian ask a powerful question: Are you just building wealth, or are you building a life? They explore the concept of "Return on Life" — and how many successful, high-net-worth families struggle to shift from accumulation to enjoyment. Through real stories and actionable advice, they help you confront financial fear, lifestyle paralysis, and the emotional habits that could be holding you back from a meaningful retirement. Plus, the surprising move from Vanguard that could bring crypto into the mainstream, a snapshot of the Cincinnati housing market, and how to plan around Medicare’s IRMAA surcharges.

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