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Simply Money — Business
Simply Money

For more than 20 years, the Simply Money radio show has provided straightforward and entertaining explanations of how the economy and stock market affect your wealth. Join Allworth advisors Bob Sponseller and Brian James from our Cincinnati team as they offer unique financial perspectives—along with smart tax and estate planning strategies—to help you make the most of your money.

The information presented is for educational purposes only and is not intended to be a comprehensive analysis of the topics discussed. It should not be interpreted as personalized investment advice or relied upon as such. The information is not intended to convey any implicit or explicit guarantee or sense of assurance that, if followed, any investment strategies referenced will produce a positive or desired outcome. All investments involve risk, including the potential loss of principal. There can be no assurance that any investment strategy or decision will achieve its intended objectives or result in a positive return. It is important to carefully consider your investment goals, risk tolerance, and seek professional advice before making any investment decisions.

Copyright: © Copyright 55KRC (WKRC-AM)

Latest Episodes:

Simply Money presented by Allworth Financial Mar 26, 2026

Show notes

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.

See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial Mar 25, 2026

Show notes

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.

See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial Mar 24, 2026

Show notes

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why this latest market “correction” is yet another reminder that trying to time short-term moves is a fool’s errand, as headline-driven volatility—from geopolitical tensions to sudden reversals in futures—continues to whipsaw investors. The conversation then pivots to a major fiduciary rule change out of Texas that could make it harder to identify trustworthy financial advice, especially as trillions are expected to roll from 401(k)s to IRAs in the coming years. Plus, they tackle listener questions on trimming concentrated stock positions, avoiding second-guessing after rebalancing, and what to do if you’ve been sitting on a large pile of cash waiting for the “right time” to invest.

See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial Mar 20, 2026

Show notes

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the real danger to your wealth right now isn’t inflation itself, but how investors react to it—often by getting overly defensive, raising cash, and pulling back from growth, which can quietly erode purchasing power over time. Using lessons from the 1970s and real-world portfolio examples, they highlight how inflation is cumulative, why “playing it safe” can backfire, and how even high-net-worth investors risk compressing their future if their portfolios aren’t built to outpace rising costs. They also share why disciplined allocation, proper use of cash buckets, and stress-testing your plan during good markets are key to staying on track for the long term.

See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial Mar 20, 2026

Show notes

On this episode of Simply Money presented by Allworth Financial, Bob and Brian challenge the traditional idea of retirement, exploring why having enough money isn’t the same as having a fulfilling plan for what comes next. Inspired by a powerful real-life story, they discuss “purpose risk,” the dangers of tying your identity solely to your career, and why true financial success is about creating optionality in your life—not just building wealth. They also break down how to turn your savings into a tax-efficient income stream, why rules like the 4% guideline can fall short, how to manage risk and cash flow in retirement, and why your “forever home” might not be as permanent as you think.

See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial Mar 19, 2026

Show notes

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how to tune out scary headlines and focus on what you can actually control in your financial plan, while also showing how your tax return can reveal opportunities to lower future taxes, answering listener questions on income and capital gains, and sharing strategies to align your career, family, and charitable giving.

See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial Mar 18, 2026

Show notes

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why your portfolio may be holding up better than alarming headlines suggest, highlighting the difference between widely cited indexes like the Dow and what a truly diversified portfolio actually experiences, while also unpacking how global market shifts and proper allocation are benefiting investors. They then dive into the surprising reality that high earners often feel more financially strained due to lifestyle creep, and wrap up with listener questions on bond duration, liquidity versus market risk, the role of alternative investments, and whether reducing financial risk should come from changing your portfolio or your spending habits.

See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial Mar 17, 2026

Show notes

Tonight on Simply Money presented by Allworth Financial, Bob and Brian break down the financial fallout as the war with Iran enters week three, with Allworth CIO Andy Stout joining to explain what surging oil prices, the Strait of Hormuz, and Fed uncertainty could mean for gas prices, inflation, interest rates, and your portfolio. They also cover a troubling rise in 401(k) hardship withdrawals, why private credit funds are suddenly limiting redemptions, and what that says about liquidity risk. Plus, a warning on the growing wave of financial fraud targeting older and more affluent Americans, answers to listener questions on tax risk, fund fees, portfolio risk in retirement, and rental property decisions, and a look at where retirees are moving now as cost of living and taxes reshape the old retirement playbook.

See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial Mar 13, 2026

Show notes

On this episode of Simply Money presented by Allworth Financial, Bob and Brian tackle a question that hits differently when you’ve built real wealth: if the market dropped 20% tomorrow, what would you actually do? They walk through the emotional and mathematical realities of managing a $2–10 million portfolio, why risk tolerance and plan design don’t always align, and how shifting from accumulation to preservation changes everything. You’ll also hear strategies around sequence of returns risk, separating income streams from piles of money, and why diversification today may mean more than just a 60/40 portfolio.

See omnystudio.com/listener for privacy information.

Simply Money presented by Allworth Financial Mar 12, 2026

Show notes

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.

See omnystudio.com/listener for privacy information.

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