Podcast
Simply Money by Allworth Financial
Hosted by Allworth Financial · EN
Simply Money is a weekly collection of segments that cover wealth strategies for high-net-worth investors. Allworth advisors Bob Sponseller and Brian James tackle:
-Roth conversions
-Tax strategies
-Estate planning
-Portfolio allocation
-Retirement timing
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22episodes
Episodes
Newest firstAll episodes
The Hidden Risk in Your “Diversified” Portfolio
1w ago00:38:12Tap to summarizeOn this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why many investors who think they’re diversified may actually have far more exposure to AI and semiconductor stocks than they realize, how concentration risk has shown up throughout market history, and what wealthy investors can do to protect against it. They also break down the recent pullback in private credit funds, the dangers of relying on active managers to pick the next market winners, why your portfolio’s purpose matters more than its returns, and answer listener questions on direct indexing, family business inheritance planning, Roth conversions, and the new Trump Accounts for children.
Transcribe →The Biggest Threat to Your Retirement Isn't the Stock Market
2w ago00:38:20Tap to summarizeOn this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the biggest risk to your retirement may have nothing to do with the stock market. From rising healthcare costs and long-term care planning to selling a business and navigating looming tax challenges, they cover the financial decisions that can have the biggest impact on your future. Plus, former Cleveland Fed President Dr. Loretta Mester joins the show to share her perspective on the Federal Reserve's latest decision and what investors should be watching next.
Transcribe →Are You Really Diversified? Plus Life Insurance Gaps and Protecting Family Wealth
3w ago00:39:14Tap to summarizeOn 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.
Transcribe →Is AI the Next Investing Revolution—or the Next Dot-Com Bubble?
4w ago00:39:12Tap to summarizeOn 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.
Transcribe →The One Thing That Can Wreck Your Retirement—Even With Millions Saved
May 2900:39:09Tap to summarizeOn this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why having millions saved for retirement still doesn’t guarantee financial freedom—and how many high earners unknowingly sabotage their own retirement plans through lifestyle creep, unchecked spending, and poor cash-flow awareness. They also discuss the psychological dangers of sudden wealth and inheritances, why some people lose massive windfalls within just a few years, how to thoughtfully manage newly inherited money, and the smartest order to draw income from pensions, Social Security, deferred comp, and investment accounts in retirement. Plus, they break down what employees should be doing before a company IPO or liquidity event and the hidden costs that can turn a dream vacation home into an ongoing financial burden.
Transcribe →How to Turn Financial Success Into Personal Freedom
May 2200:37:59Tap to summarizeOn this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the modern midlife crisis—and why so many high earners are making more money than ever while feeling more trapped than ever at the same time. They discuss the rise of “golden handcuffs,” lifestyle creep, delayed retirement decisions, and the emotional realization many successful professionals face when they discover they could have stepped away years earlier. Plus, they dive into costly inherited IRA mistakes families are making under the Secure Act, strategies for managing taxes on retirement accounts, whether direct indexing is worth it for affluent investors, when municipal bonds may actually hurt your returns, and how to thoughtfully transition into retirement without losing your sense of purpose.
Transcribe →The 5 Key Times to Call Your Financial Advisor
May 1500:38:56Tap to summarizeOn this episode of Simply Money, Bob and Brian break down the key life moments when calling your financial advisor can make—or cost—you thousands. They also tackle a surprising trend: why retirees with millions saved still feel financially insecure, and how shifting from pension-style income to managing a “pile of money” has changed everything. Plus, insights from CIO Andy Stout on how tax-efficient investing strategies like tax loss harvesting and direct indexing can add real after-tax returns, and practical advice on gifting strategies, insurance gaps, and why not having a power of attorney could create major problems for your family.
Transcribe →Does Your Financial Plan Depend on a “Good” Market Decade?
May 800:38:34Tap to summarizeOn 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.
Transcribe →Market Noise, Portfolio Strategy, and Smarter Investing Moves
May 100:39:14Tap to summarizeOn this episode of Simply Money, Bob and Brian break down three conflicting market predictions making headlines right now—and why reacting to any of them could derail your long-term plan—while also diving into the dangers of turning your 401(k) into a betting platform, whether a “too balanced” portfolio could actually hurt your growth, how appraisal gaps can impact what you really pay for a home, and smart strategies for high-net-worth investors including direct indexing, managing large IRA balances, and planning for long-term care without over-insuring.
Transcribe →Diversification Matters: What the Latest Market Rally Is Really Telling Investors
Apr 2400:38:51Tap to summarizeOn this episode of Simply Money, Bob and Brian explain why the market rebounded sharply despite global conflict, highlighting how one company—Micron Technology—is driving a surprising share of earnings growth expectations and what that means for diversification and long-term investors. They also discuss the risks of relying on headline-making company CEOs, answer listener questions on direct indexing, tax planning in retirement, and concentrated stock positions, and wrap up with smart, flexible strategies for funding grandchildren’s education using tools like 529 plans.
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