WPRV- Don Sowa's MoneyTalk

Financial advisors live in a world of numbers, but when it comes to determining client suitability and risk tolerance, a fiduciary must go beyond the numbers to explore the qualitative factors that drive decision making. Donna and Nathan dive into the realm of behavioral finance to help you better understand the psychology behind how you spend and save, and the biases that help to form your money habits. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/24/2026; Original Air Date: 3/28/2024. 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.

You have likely heard of the three primary US stock indices, the Dow Jones Industrial Average, the S&P500 and the Nasdaq, but many people don't have a clear understanding of which they should be following, and when. Nathan discusses the differences between the Big Three, and why each one is uniquely important to the overall market. Also on our MoneyTalk Moment in Financial History, Nathan and Daniel explain how Great Britain turned one of the first joint stock companies into a commercial empire: the story of the British East India Company. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Guest: Daniel Sowa; Air Date: 9/23/2026; Original Air Dates: 9/8/2023 & 2/26/2025. 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.

Inheriting money from a spouse is a pretty straightforward process, but when money is passed down from parents or other family members, the rules get a bit more complicated. Donna and Nathan discuss the process of distributing assets from a non-spousal inheritance. 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: 9/22/2026; 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.

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, and some suggest that it's time for a rule change. Donna offers insights on how well the 4% rule and other classic financial rules of thumb hold up today. Also on MoneyTalk, options for those receiving non-spousal inherited IRAs. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 9/21/2026; Original Air Dates: 7/18/2024 & 8/25/2025. 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 401k is one of the best deals in investing, and with improvements like the Roth option and brokerage link, the value of the 401k just keeps growing. Nathan offers tips for maximizing the benefits of your 401k. Also on MoneyTalk, how employers use employee stock option plans as part of an exit planning strategy, and a philosophical look at money. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/18/2026. 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 SEC recently opened the door for the tokenization of publicly traded stocks, a move with the potential to increase market volume, and a step toward 24/7 trading. Donna and Nathan discuss the motivations behind this move, and how the broad integration of blockchain into securities markets could impact growth overall. Also on MoneyTalk, challenges couples face when blending finances, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/17/2026. 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.

Social Security is arguably the most important government entitlement since it affects just about every American, but surveys show that the majority of people lack a real understanding of how the program works. Donna and Nathan run through seven facts about social security that many people get wrong. Also on our MoneyTalk Moment in Financial History, Nathan covers the Panic of 1907. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/16/2026; Original Air Dates: 8/26/2025 & 9/6/2023. 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.

Each year on Black Friday American shoppers spend billions of dollars on goods, but what you may not know is that the original black Friday was anything but a boon for the economy. On this edition of our MoneyTalk Moment in Financial History, Nathan and Daniel cover the events of Black Friday 1869, the historic market crash driven by plummeting gold prices, and the greed and ambition of one of the wealthiest and most infamous characters of the time, Jay Gould. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Guest: Daniel Sowa; Air Date: 9/15/2026; Original Air Date: 8/14/2024. 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.

Donna shares answers to questions from wealth management clients, including: How do I go about selling my precious metal items without getting swindled? How do I live my best retirement without overspending? What kind of an emergency fund should I keep?— and more. Also on MoneyTalk, a refresher on the basics of investing. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 9/14/2026; Original Air Date: 2/9/2026. 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.

Yield is an expression of hour much income you earn on your money, but the way it is measured differs depending on the type of security. Nathan discusses how to measure yield across different asset classes, and why it is so important to understand. Also on MoneyTalk, advice from industry's top investors. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/11”/2026. 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 employee pension plan, widely considered a relic from long past, is actually making a comeback, but this new type of pension bares little resemblance to the plan your grandfather depended on. Donna and Nathan discuss cash balance plans, how they function, and how they differ from traditional pensions. Also on MoneyTalk, complications that arise when inheriting a family home, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/10/2026. 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.

In a world where college grads struggle to find work, while skilled tradesmen are being flooded with job opportunities, it's becoming harder than ever to justify the cost of that four year degree. Donna and Nathan dig into the employment numbers to discuss the economics behind this shift, and what it forebodes for the future of white collar work. Also on MoneyTalk, determining your risk tolerance, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/8/2026. 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 might be thinking that a Roth conversion could be a smart way to avoid paying some of the taxes on your RMD, but unfortunately for you, the government thought of that first. Nathan discusses required minimum distribution rules, common misconceptions about loopholes, and some proactive planning strategies for reducing the RMD tax bite. Also on MoneyTalk, understanding stock options, and the rise of JP Morgan. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/9/2026; Original Air Dates: 1/28/2026 & 5/17/2023. 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.

Debt is one of our least favorite four letter words, but the truth is that not all debt is created equal, and in some cases it can be used as part of a broader strategy for investing in your future. Donna and Nathan discuss good vs bad debt, and how it can be used as a tool if you have the discipline. Also on MoneyTalk, financial fasting, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/3/2026. 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 live in an increasingly frictionless world, with automatic bill payments and 401(k) contributions, but too few people apply this strategy to their emergency savings, and the result has been an increased rate of early retirement distributions for unforeseen expenses. Donna discusses the prevailing problem of 401(k) leakage, and how automating your savings can help you avoid it. Also on MoneyTalk, the benefits of a trust, and how to know if you need long-term care insurance. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/31/2026; Original Air Dates: 8/18/2025, 4/22/2024 & 4/3/2023. 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.

Mark Twain once said, “History seldom repeats itself, but it often rhymes”, and this can be a powerful lesson when applied to the markets. Nathan discusses the dangers of putting too much stock in historical performance, and to remember that every moment is unique. Also, on our MoneyTalk Moment in Financial History we tell the story of how Charlie Merrill contributed to the democratization of the stock market and the rise of the American middle class. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/2/2026. 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.

Funds that are actively managed often carry higher internal expenses, which can be justified when they deliver alpha, but that is not always the case. Donna and Nathan discuss the types of funds that can make sense to pay a premium for, and those that don't. Also on MoneyTalk, choosing the executor of your estate, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/1/2026. 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.

On this edition of 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. Also on MoneyTalk, how advisors use the Monte Carlo simulation in the retirement planning process. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Guest Host: Daniel Sowa; Air Date: 8/26/2026; Original Air Dates: 4/5/2023 & 7/12/2024. 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.

After 3+ decades of MoneyTalk, if we haven't sold you on the importance for saving for retirement, then you haven't been listening! But just in case you need more convincing, Donna and Nathan offer 10 reasons to save for retirement, including: Social Security likely won't be enough to live on, people are living longer, new 401K features make saving easier than ever, and more. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 8/25/2026; Original Air Date: 8/11/2023. 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.

Sometimes a new client will come in thinking that their investments may need some slight adjusting, only to discover that what they really need is portfolio triage. Donna takes us through some client portfolio nightmares, how they develop, and how to dig yourself out. Also on MoneyTalk, benefits of a trust in estate planning. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/24/2025; Original Air Dates: 10/30/2023 & 4/22/2024. 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.

We typically only hear about bonds when we experience spikes in interest rates or inflation, but understanding how bonds work helps us to better understand how the economy functions. Nathan takes us through 10 things you should know about bonds. Also on MoneyTalk, how different types of business entities function, and exit planning strategies. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/14/2026; Original Air Date: 5/1/2026. 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.

Follow Nathan as he journeys through the long history of Social Security. Also on this episode of MoneyTalk, Nathan discusses the importance of contributing to retirement for all ages.See omnystudio.com/listener for privacy information.

Can generations learn from one another when it comes to investing? Donna and Nathan discuss the many behaviors and strategies of older and younger investors. Also on this episode of MoneyTalk, Donna discusses the effects of consumer spending on the greater economy and Stock Trivia with Donna, Nathan and DanSee omnystudio.com/listener for privacy information.

Getting ready for retirement can become stressful. In this episode of MoneyTalk, Donna talks about common misconceptions in retirement planning and steps to take for creating a successful financial plan for retirementSee omnystudio.com/listener for privacy information.

As time passes, more Americans are becoming DIY investors and financial planners. On this episode of MoneyTalk, Nathan discusses some risks to look out for when doing your own financial planning. Also on MoneyTalk, Nathan discusses the complexities of fixed income and shares some wisdom from a few of his favorite reads!See omnystudio.com/listener for privacy information.

Retirement is defined by age based rules that govern your finances. Donna and Nathan take us through these retirement milestones that you should keep on your calendar when prepping for retirement. Also on MoneyTalk, financial challenges and concerns that you may expect to face in your 50s, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 8/11/2026; Original Air Date: 6/18/2025 & 5/23/2023. 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.

Estate planning is not a set it and forget it process, and any major life changes or changes in residency should prompt a review and update of those critical documents. Donna discusses the importance of keeping your estate plan up-to-date. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/10/2026. 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.

More than 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®; Air Date: 8/6/2026; 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.

There are few periods in the 20th century that were more impactful to the global economy than the Iranian Oil Crisis and the revolution that followed. On this edition of our MoneyTalk Moment in Financial History, Nathan and Daniel tell the story of how Iran seized control of their oil industry from the British, and the ripple effects that it caused across the globe. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 8/5/2026; Original Air Date: 8/6/2025. 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.

Some of the best content on the MoneyTalk program comes from our listeners, but our hosts also draw inspiration directly from the clients they talk to each day. Donna discusses questions from advisory client, including: Can I reverse a Roth conversion? How does a 1031 exchange work? And, in what order should I withdraw from my retirement accounts? Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/3/2026; Original Air Dates: 12/18/2023 & 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.

If you've ever had to go through the process of unwinding a poorly planned estate, then you understand how messy these things can be. Donna and Nathan talk through some estate planning mistakes that you want to avoid to make the process smoother for your loved ones. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/3/2026; Original Air Dates: 11/21/2024. 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.

The traditional 60/40 portfolio has been disrupted over recent years by the increased correlation between stocks and bonds, driving investors to asset classes like commodities for diversification. Nathan speaks with Dan Cole, Principal at Quantix Commodities, to dig into how futures contracts function, how different types of commodities respond to inflation, and how they can fit into your portfolio. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Dan Cole, Quantix Commodities; Air Date: 7/31/2026. 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've made a substantial investment that goes badly, it's not uncommon to see people stubbornly ride it out, or even double down in hopes of recovering their loses. Donna and Nathan discuss how cognitive biases like the sunk cost fallacy can lead to compounding losses, and how investors can avoid becoming their own worst enemy. Also on MoneyTalk, 401k mistakes to avoid, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 7/30/2026; Original Air Dates: 3/28/2023 & 8/5/2025. 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.

Some say that asset management is an art form, and while this may be true to some extent, there is a science behind portfolio design that helps to guide asset allocation decisions. Nathan discusses the mechanics of the three primary asset allocation strategies: strategic, tactical and dynamic. Also on MoneyTalk, Nathan covers the worst investments of some of history's most prolific investors. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 7/29/2026; Original Air Date: 7/28/2023 & 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.

The initial economic shock caused by AI's potential impact on jobs seems to have settled, as employers who pulled back on hiring discover that AI is far from ready to replace the entry level workforce. Donna and Nathan discuss the reality of how AI is shaping industries, and current its dependency on workers at every level to support that change. Also on MoneyTalk, some unique approaches to retirement, and Special Guest Stock Trivia. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 7/28/2026. 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.

Trump savings accounts are tax deferred custodial investment accounts designed to give children a head start on retirement savings, with $1,000 in initial funding for children born during the Trump presidency. Donna discusses the merits of the new program, the benefit of developing early savings habits, and alternative custodial options that may be a better fit for some. Also on MoneyTalk, supersizing your retirement savings, and considerations for transferring wealth. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 7/27/2026. 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.

People often have confusion around how and when a Roth conversion should be used, which is why there is a clear methodology professionals use to help make these decisions. Nathan explains the three goals advisors consider when deciding whether to do a Roth conversion: lower taxes over time, lower withdrawals from retirement accounts, and higher tax adjusted assets to pass down. Also, on MoneyTalk, credentials and licenses, financial scams, and leveling up your 401k. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 7/24/2026; Original Air Dates: 1/28/2026, 6/9/2023, 7/19/2023 & 7/28/2023. 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.

In a lot of ways, the Traditional and Roth IRA are mirror images of one another, and they are designed that way to provide very specific tax benefits to individuals under different circumstances. Donna and Nathan delve into the unique rules and benefits of the Traditional and Roth IRA, and explain how each can be used differently to minimize your tax liability. Also on MoneyTalk, Special Guest Stock Trivia. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 7/23/2026; Original Air Date: 1/23/2024. 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.

A financial plan has many moving parts that are synchronized to achieve your goals, which is why it's important to approach the process with a strategy in mind. Nathan takes us through the various components of a financial plan, and the questions you should be asking yourself along the way. Also on MoneyTalk, common financial scams, and the story of a grocery chain CEO's bold attempted to corner the US stock market in the early 1900s. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 7/22/2026; Original Air Date: 2/18/2026. 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 F.I.R.E. movement (Financially Independent, Retiring Early) is a growing lifestyle trend which emphasizes making extreme financial sacrifices today to set yourself up for an early retirement. Donna discusses some of the strategies used by F.I.R.E. movement followers to maximize their savings and current income while minimizing their expenses. Also on MoneyTalk, risks we face as we enter retirement, and Stock Trivia: Battle of the Sowas. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 7/21/2026. 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!afSee omnystudio.com/listener for privacy information.

Estate planning can be complex, or as simple as naming beneficiaries on your IRA, so even if your situation seems straightforward, if you own assets, you need an estate plan. Nathan welcomes back estate attorney and long time friend of the show, Andy Nault, to discuss the different ways wills, trusts, and other legal arrangements can be structured to ensure your assets end up in the right hands after you pass way. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Andy Nault, Brule Nault & Hainley; Air Date: 7/17/2026; Original Air Date: 3/13/2026. 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.

Donna shares answers to questions from wealth management clients, including: How do I go about selling my precious metal items without getting swindled? How do I live my best retirement without overspending? How can I teach my college age child to save when prices are so high? What kind of an emergency fund should I keep?— and more. Also on MoneyTalk, how the sequence and size of returns can impact your retirement income. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 7/20/2026; Original Air Date: 2/9/2026. 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.