WPRV- Don Sowa's MoneyTalk

The great Notorious B.I.G. once said, “Mo money, mo problems”, and while some of us may scoff at this as something only rich people say, it is true that many of the worlds wealthiest people do not consider themselves happy. Donna and Nathan discuss this and other lessons offered by writer, Ben Carlson, in his blog post, “17 Thoughts About Money”. Also on MoneyTalk, big mistakes made by some history's most iconic investors. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 11/5/2025; Original Air Dates: 2/15/2024 & 10/2/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

With many homeowners now saddled with unsustainably high mortgage payments, some are looking to adjustable rate mortgages as an alternative, gambling on the prospect of lower rates coming down the pipe. Donna and Nathan discuss the flawed assumptions and risks behind this strategy. Also on MoneyTalk, the shift back to active bond funds, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 11/4/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

If you receive all of your income by W-2, most tax filing software will likely give you results similar to what you would get if you had filed through a CPA, but for 1099 employees or those with mixed income sources, having the guidance of a professional can make a world of difference. Nathan speaks with CPA, John Briggs, Founder of Incite Tax, about the value of using a CPA for certain tax filers, some non-tax accounting services offered by CPAs that you can take advantage of, common tax deduction myths, and much more. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: John Briggs, CPA; Air Date: 10/31/2025; Original Air Date: 1/6/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

You pay into the social security system your whole life, and when it's finally time to claim your benefits, what should feel like a moment to celebrate often becomes a moment of confusion where the wrong decision can carry life long consequences. Donna and Nathan discuss mistakes people make with their social security benefits, and how to avoid them. Also on MoneyTalk, the good and the bad of using target date funds, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 10/30/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

AI chat bots have streamlined the information gathering process, but as with any model, their output is only as good as their input, so when it comes to personal finance questions, the wrong prompts can lead to costly mistakes. Donna walks us through the process of prompt engineering AI chat bots to assist with financial decision making, and what types of questions should be left to a professional. Also on MoneyTalk, managing retiree healthcare costs. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 10/27/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

A Roth conversion can be a great strategic tool for reducing overall tax burden, minimizing RMDs, and achieving certain estate planning goals, but only under very specific circumstances. Donna and Nathan run through the variables in the Roth conversion decision process, who benefits most, and the consequences of getting it wrong. Also on MoneyTalk, balancing competing goals, and Special Guest Stock Trivia. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 10/28/2025; Original Air Dates: 11/27/2022 & 10/19/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Great reward typically comes with an equal measure of risk, and investing is no different. Nathan discusses the various forms of investment risk, including: loss of principal, purchasing power, liquidity, geopolitical, currency risk, and more. Also on our MoneyTalk Moment in Financial History, we cover the story of May Day, when regulators removed fixed commissions from stock trading, upending the power structure among the big banks and bringing price competition to Wall Street for the first time. Hosts: Nathan Beauvais CFP®, CIMA®, CPWA® & Steven Beauvais; Air Date: 10/29/2025; Original Air Dates: 8/30/2023 & 1/26/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

If you are one of the millions pof Americans who doesn't have a will, trust, or other estate planning tool in place, your assets are left at the mercy of the laws of the state in which you live, which can lead to unintended costs, headaches, and conflicts for your loved ones. On this Best of MoneyTalk episode, we revisit a conversation with estate planning attorney and long time friend of the show, Paul Brule, to discuss some of the most common estate planning mistakes and how to avoid them. Hosts: Nathan Beauvais CFP®, CIMA®, CPWA® & Steven Beauvais; Special Guest: Paul Brule; Air Date: 10/24/2025; Original Air Date: 3/24/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Believe it or not, 150 years ago the average male only lived to age 65 and most worked until they died, so the concept of retirement is still a relatively new idea. Donna and Nathan discuss retirement revelations outlined in Ben Carlson's book, “Everything's You Need to Know About Retirement”, including: how family history helps forge your money habits, how saving money is really about buying time and freedom, and much more. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 10/22/2025; Original Air Date: 9/28/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

We try to take a calculated approach to decision making with our money, but more often than not, those decisions are driven by emotions. Donna and Nathan use the framework of behavioral finance to explain the role the investment advisor can play in helping to offset some of our counterproductive tendencies. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 10/21/2025; Original Air Date: 1/27/2023. Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

What are your goals for retirement? What will your retirement expenses look like? Is your retirement income structured to keep up with inflation? These are just a few of the questions you will need to be ready to answer when first meeting with a financial advisor, and for many people, that may be the first time they've even thought about them. Donna and Nathan discuss how to prepare for the retirement planning process with your advisor. Also on MoneyTalk, the critical role of social security for our retirement community. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 10/20/2025; Original Air Date: 9/23/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

When we plan for retirement, we tend to spend the majority of our time thinking about money, but research shows that there is much more to a happy retirement than dollars and cents. Nathan interviews Morningstar columnist Christine Benz, author of “How to Retire: 20 Lessons for a Happy, Successful and Wealthy Retirement”, to discuss perspectives from thought leaders on what contributes to a truly successful retirement. Host: Nathan Beauvais, CFP®, CIMA®; Special Guest: Christine Benz, Morningstar; Air Date: 10/17/2025; Original Air Date: 11/1/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

While index funds have their benefits, customization has never been one of them, that is - until now. Donna and Nathan discuss how the technology behind direct indexing is allowing investors to design their own specialized portfolio to benchmark an index, while using sophisticated tax efficiency strategies unavailable with traditional index funds. Also on MoneyTalk, getting your ducks in a row before retirement, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®, CPWA®; Air Date: 10/16/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

For over a century, gold wasn't just a symbol of wealth—it was the backbone of the U.S. dollar. From the discovery of gold in California to the creation of the Federal Reserve and the dramatic shift under President Nixon, the gold standard shaped not only how America did business, but how it saw itself on the global stage. On this edition of our MoneyTalk Moment in Financial History, Nathan and Daniel uncover the myths, the politics, and the economics behind one of the most influential—and controversial—chapters in monetary history: The U.S. Gold Standard. Host: Nathan Beauvais, CFP®, CIMA®; Special Guest: Daniel Sowa; Air Date: 10/15/2025; Original Air Date: 7/2/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Being mortgage free is the dream for most homeowners, but even if you have the available cash to pay off your house, it may be a tough decision in a high savings rate environment. Donna and Nathan answer a MoneyTalk hotline question from a listener who is grappling with this very decision. Also on MoneyTalk, deciding whether to rent or buy, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 10/14/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Estate Planning can sound a bit grandiose, but when broken down into its parts, it is simply a series of measures intended to protect your assets for the future, and some of the more important estate planning tools at your disposal are surprisingly simple. Donna goes through various steps that people with young families can take to begin building out their estate plan. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 10/13/2025; Original Air Date: 11/20/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Growth in life is largely about learning from your mistakes, but at a certain point in our journey we will no longer have the benefit of time to recover from those mistakes, so having a plan is essential. Nathan discusses some common mistakes to be mindful of as we prepare for retirement, including: outliving your assets, favoring accumulation over distribution, failing to account for inflation, and much more. Also on MoneyTalk, valuable takeaways from Hans Rosling's book, “Factfulness: Ten Reasons We're Wrong About the World-and Why Things Are Better Than You Think.” Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 10/10/2025; Original Air Date: 6/12/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

If you receive 100% of your income from your salary, the manner in which you are taxed is relatively straightforward, but a growing number of Americans today receive income from multiple sources, each of which may be taxes a little differently. Donna and Nathan discuss how your tax liability is calculated on different types of income, including: social security, pensions, dividends and interest, capital gains, retirement accounts, life insurance proceeds, annuities, and real estate sales. Also on MoneyTalk, a social security refresher. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 10/9/2025; Original Air Dates: 4/9/2024 & 9/23/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

The Health Savings Account is a uniquely designed product combining some of the key tax benefits of both tax deductible and tax deferred accounts, so if your employer offers an HSA as part of your benefits package, you should strongly consider taking advantage if you qualify. Donna and Nathan discuss how to use the HSA to its full benefit. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel explain how FDR used the aftermath of the Great Depression to pass the most progressive and influential package of political and social reforms in our nation's history: the New Deal. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 10/8/2025; Original Air Dates: 4/5/2023 & 4/11/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

We can all agree that we are in the midst of a challenging housing market, but it may surprise you to learn that the cost of a median priced home in ounces of gold today is the same as it was back in 2008. Donna and Nathan discuss how looking at the big economic picture can reframe our understanding of the real condition of a particular financial market. Also on MoneyTalk, how restricted stock units work, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 10/7/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

For early baby boomers, the transfer of wealth to the next generation typically took place at death, but today we are seeing far more retirees beginning to transfer their wealth while still living, which can require a more complex level of estate planning. Donna discusses estate planning considerations for those looking to begin the wealth transfer process early. Also on MoneyTalk, the benefits of a trust in estate planning, and mistakes investors make when times are good. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 10/6/2025; Original Air Dates: 7/10/2023, 4/22/2024 & 8/4/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Many work with therapists to improve their relationships or understand their motivations, but few of us take the time to look inward and discover why we handle our finances the way that we do. Nathan offers insights from Richard Thaler on why we are so inconsistent with how we think about money, and from Steve Buckholder on how to get out of your own way when approaching your financial goals. Also on MoneyTalk, the differences between IRAs and non-retirement accounts, and the Big Three stock indices. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 10/3/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

After the tax breaks built into the One Big Beautiful Bill, it is estimated that 42% of Americans will pay zero income tax, and if you were wondering how that could be possible, you're not alone! Donna and Nathan walk us through five different scenarios of households that would end up paying no income taxes under the current tax system. Also on MoneyTalk, the push for financial literacy in schools, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 10/2/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

When you were first hired at your job, you may have been given a brief overview of your workplace retirement account that got buried in your new-hire documents, but each type of retirement account carries its own unique features and benefits that are important to understand. Nathan discusses the different types of employer sponsored plans, and how to use them to their full advantage. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel tell the story of how Standard Oil shaped American industry, and sparked the birth of modern antitrust law. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 10/1/2025; Original Air Dates: 1/4/2023 & 8/2/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Inheriting money from your spouse is a pretty straightforward process, but when money is passed down from parents or other family members, the rules get a bit more murky. Donna and Nathan discuss the process of distributing assets from a non-spousal inheritance, and the tax implications of getting it wrong. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. —Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features, and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index annuity for its features, costs, risks, and how the variables are calculated. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/30/2025; Original Air Date: 7/1/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

The 401(k) savings rate has finally reached 15%, the level experts say is required for the average worker to retire comfortably when they reach retirement age. Donna discusses the economic factors, policy changes and product innovations that have contributed to the closing of the retirement savings gap. Also on MoneyTalk, the 8 year window for claiming social security, and what to do with your old 401(k). Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 9/29/2025; Original Air Dates: 8/26/2024, 6/23/2025 & 6/30/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Financial planning is about defining and prioritizing your goals and values, and developing a roadmap to help guide you through the many decisions that lie ahead. Donna and Nathan take us through the steps in the financial planning process, and discuss how working with a fiduciary can help you take the reins on your future retirement. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/26/2025; Original Air Date: 11/22/2022. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

ETFs have grown in popularity over the years, with nearly half of US investors holding them in their portfolios, but many don't understand exactly how ETFs work or what makes them different from mutual funds. Donna and Nathan discuss ETF mechanics, and debunk some common myths. Also on MoneyTalk, different types of life insurance products and who they are appropriate for, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/25/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Henry Ford is credited for his innovative use of the assembly line, his obsession with maximizing efficiency, and for introducing the five day work week, but there is a much darker layer to Ford's legacy highlighted by abuse and neglect for the welfare of his workers. On this edition of our MoneyTalk Moment in Financial History, Nathan and Steve take us through the history of one of the Industrial Revolution's greatest contributors, Henry Ford. Hosts: Nathan Beauvais CFP®, CIMA®, CPWA® & Steven Beauvais; Air Date: 9/24/2025; Original Air Date: 12/18/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

What are your goals for retirement? What will your retirement expenses look like? Is your retirement income structured to keep up with inflation? These are just a few of the questions you will need to be ready to answer when first meeting with a financial advisor, and for many people, that may be the first time they've even thought about them. Donna and Nathan discuss how to prepare for the retirement planning process with your advisor. Also on MoneyTalk, the critical role of social security to our retirement community, jobs where seniors are still in demand, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/23/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

As an early investor, the risk of loss is balanced by your expected time in the market, but for those approaching retirement, loss of principle can be a major risk as you begin to draw income from your investments. Donna discusses how sequence of returns risk can play a major role in your ability to meet your retirement goals. Also, on MoneyTalk, how to decide on the order in which to take distributions from your retirement accounts. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 9/22/2025; Original Air Date: 7/24/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

There is a common misconception that estate planning is exclusively for the wealthy, but many of the legal tools that estate attorneys prepare for their clients are useful for people from all walks of life. Nathan speaks with estate attorney and long time MoneyTalk contributor, Andy Nault, to discuss some estate planning documents that you should consider having in place, how to avoid some common mistakes, and much more. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Andy Nault; Air Date: 9/17/2025; Original Air Date: 6/6/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Half of private sector workers are now contributing to a 401K, showing a much needed head of steam for plan participation at a time when the retirement savings gap poses a major threat to future retirees. Donna and Nathan discuss how new 401K plan features are making it simpler and more attractive for workers to save for retirement. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/18/2025; Original Air Date: 3/31/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Among the innovations that contributed to the rise of the industrial age, the steam locomotive is arguably the most consequential. Without the national railroad network, the westward expansion of the US and the exponential economic growth of the late 19th and 20th centuries could not have occurred. In this edition of our MoneyTalk Moment in Financial History, Nathan tells the infamous story of one of the first major US railroads, the Eerie, and the war that ensued between four of the most powerful tycoons of the Gilded Age: Cornelius Vanderbilt, Daniel Drew, James Fisk and Jay Gould. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/17/2025; Original Air Date: 3/6/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Believe it or not, 150 years ago the average male only lived to age 65 and most worked until they died, so the idea of retirement is still a relatively new concept. Donna and Nathan discuss retirement revelations outlined in Ben Carlson's book, “Everything's You Need to Know About Retirement”, including: how family history helps forge your money habits, how saving money is really about buying time and freedom, the power of compounding, and much more. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/16/2025; Original Air Date: 9/28/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

If you receive 100% of your income from your salary, the manner in which you are taxed is relatively straightforward, but a growing number of Americans today receive income from multiple sources, each of which may be taxes a little differently. Donna and Nathan discuss how your tax liability is calculated on different types of income, including: social security, pensions, dividends and interest, capital gains, retirement accounts, life insurance proceeds, annuities, and real estate sales. Also on MoneyTalk, when to consider a Roth conversion, and how IRRMA impacts Medicare premiums. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/15/2025; Original Air Date: 4/9/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

During a bull market, some people hire a financial advisor for the wrong reasons, expecting them to put on a magic show rather than treating investing as a lifelong endeavor to build wealth with patience and prudence. Nathan discusses the important distinction between investing as an enterprise vs investing for entertainment. Also on MoneyTalk, understanding income investing, and the price of time. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/12/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Buy-now-pay-later has gained popularity throughout the retail space as a way for shoppers to purchase goods that they may not have the cash for, but some fear that this trend is contributing to poor spending habits for a young generation of consumers. Donna and Nathan discuss who profits from BNPL purchases, how credit reporting agencies are changing the way they treat these transactions, and what the trend indicates about our consumption economy. Also on MoneyTalk, how credit scores are calculated, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/11/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

If you were to ask someone to name the most successful investor of our time, 9 times out of 10 you would likely hear the name Warren Buffett. On this edition of our MoneyTalk Moment in Financial History, Nathan and Daniel cover the meteoric rise of Warren Buffett, and how his clear and principled approach to investing would lead him to become one of the most prolific investors in American history. Also on MoneyTalk, how to face the challenge of retiring in a down market. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa. Air Date: 9/10/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Getting audited by the IRS is something we all have to be ready for, and no one looks forward to, but the typical audit experience can be surprisingly straightforward - if you're prepared. Donna and Nathan talk about common audit triggers, how to communicate effectively with the IRS, and what documents you absolutely need to have ready when your number gets pulled. Also on MoneyTalk, how to define your risk tolerance, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/9/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

You may have heard of the 4% Rule, which suggests 4% as the maximum sustainable rate of withdrawal from your retirement accounts, but over recent years the goal posts have been shifting, leading some to question the validity of this classic rule of thumb. Donna and Nathan discuss how to determine what rate of withdrawal makes sense based on your current and projected cost of living and the importance of building flexibility into your retirement plan. Also on MoneyTalk, the importance of financial literacy for our society. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/8/2025; Original Air Date: 1/18/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

At age 18, we are put in a position to make financial decisions that most are not fully prepared for, and a few small mistakes can lead to long-term consequences. Today's special guest, Yanely Espinal, Director of Educational Outreach at Next Gen Personal Finance, has made it her mission to address this problem head on, working with students and educators to promote Financial Literacy in schools and throughout the community. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Yanely Espinal; Air Date: 9/5/2025; Original Air Date: 6/2/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.