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    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.

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    Copyright: © Copyright 55KRC (WKRC-AM)

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    Latest Episodes:
    Simply Money presented by Allworth Financial Mar 11, 2026
    Show notes

    On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the most expensive financial decisions often aren’t the ones you make — they’re the ones you avoid . They walk through real-life examples of high-net-worth families who delayed portfolio changes, tax planning, diversification, or retirement decisions, only to face bigger consequences later. The guys also break down why a “good investment” can still be a bad financial move if it increases concentration risk or limits liquidity, key questions to ask before retiring early, how to think about withdrawal strategies and portfolio drift, and one clear sign you may be overthinking your finances.

    See omnystudio.com/listener for privacy information.


    Simply Money presented by Allworth Financial Mar 10, 2026
    Show notes

    On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down why the financial decisions that feel boring or easy to postpone often have the biggest impact on long-term success. From overlooked beneficiary designations and withdrawal strategies to missed tax-planning windows and life risks that don’t show up in market charts, they explain how successful families can do everything “right” and still run into avoidable problems. The conversation highlights why planning for taxes, longevity, healthcare, control, and flexibility matters just as much as investment returns—especially as net worth grows—and how proactive, thoughtful decisions today can protect both your lifestyle and your legacy.

    See omnystudio.com/listener for privacy information.


    Simply Money presented by Allworth Financial Mar 09, 2026
    Show notes

    On this episode of Simply Money presented by Allworth Financial, Bob and Brian explore what true wealth in retirement really means, from aligning your spending with your values to making smart pension choices, planning for business succession, and tackling real listener questions about emergencies, uneven expenses, and estate duties.

    See omnystudio.com/listener for privacy information.


    Simply Money presented by Allworth Financial Mar 06, 2026
    Show notes

    On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why channeling Rip Van Winkle might be the smartest financial move you make this year, especially amid scary headlines about war, inflation, and market volatility. They walk through what would have happened if you had invested millions of dollars and then “slept” through some of the worst market moments in modern history—from the oil embargo and Black Monday to the tech bubble, the financial crisis, and COVID—and why in nearly every case, disciplined investors who stayed put woke up significantly wealthier.

    See omnystudio.com/listener for privacy information.


    Simply Money presented by Allworth Financial Mar 06, 2026
    Show notes

    On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why the first five years of retirement can make or break even a $5 million portfolio. They break down sequence of returns risk, walk through real-world examples of how early market drops can permanently impact your plan, and share strategies like liquidity buckets and disciplined rebalancing to protect your future. Plus, common 401(k) mistakes successful investors make, how to prevent concentrated stock from quietly dominating your portfolio, what to do if your financial life is split across multiple advisors, and how to safeguard your finances if a spouse becomes cognitively impaired.

    See omnystudio.com/listener for privacy information.


    Simply Money presented by Allworth Financial Mar 05, 2026
    Show notes

    On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the stock market volatility tied to escalating tensions in the Middle East and the critical Strait of Hormuz, where roughly 20% of global oil flows, looking back at the 1973 OPEC oil embargo, stagflation, and how markets have historically responded to geopolitical shocks. They also cover State Farm’s historic $5 billion dividend payout to auto policyholders, Google’s bold move to issue a 100-year bond as a long-term AI confidence play, and the reality of potential Social Security benefit reductions in the early 2030s. Finally, they wrap with listener questions on adjusting stock allocations amid global conflict, calculating emergency cash when income fluctuates, and whether to lock in gains early in retirement or simply rebalance and stay disciplined.

    See omnystudio.com/listener for privacy information.


    Simply Money presented by Allworth Financial Mar 04, 2026
    Show notes

    On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the market reaction to escalating conflict in the Middle East and explain why, despite headlines that feel different every time, markets price expected earnings—not emotion. They walk through the psychological biases that can push even experienced, high-net-worth investors into costly mistakes and outline what would truly signal a structural market shift. Then, they uncover a hidden tax bomb that may be lurking in your brokerage account—especially if you hold highly appreciated ETFs or concentrated company stock—and share smart, multi-year strategies to manage capital gains before they manage you.

    See omnystudio.com/listener for privacy information.


    Simply Money presented by Allworth Financial Mar 03, 2026
    Show notes

    On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down how investors should interpret the major geopolitical conflict unfolding in Iran and the broader Middle East. Allworth Chief Investment Officer Andy Stout joins the show to explain how markets are pricing in the uncertainty, why the Strait of Hormuz matters so much to global oil supply, and what a “worst-case” energy disruption could mean for inflation, Fed policy, and your portfolio.

    See omnystudio.com/listener for privacy information.


    Simply Money presented by Allworth Financial Feb 27, 2026
    Show notes

    On this episode of Simply Money presented by Allworth Financial, Bob and Brian ask a powerful retirement question: if work vanished tomorrow and money wasn’t a concern, who would you be? They explore why affluent professionals often fear losing purpose more than running out of money, how identity and spending shift after retirement, and why “test-driving” your next chapter may be the smartest move you make. Plus, what Americans say they’ll do with their tax refunds — and why reality will likely say otherwise.

    See omnystudio.com/listener for privacy information.


    Simply Money presented by Allworth Financial Feb 27, 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.


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