WPRV- Don Sowa's MoneyTalk

The road to becoming wealthy is often associated with risk taking but preserving that wealth typically requires a very different approach. Donna and Nathan discuss the difficulty many investors experience when the time comes to shift from a high risk to a conservative investment strategy. Also, on MoneyTalk, planning with a five-year time horizon, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 12/18/2025; Original Air Date: 1/10/2023. 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.

Financing a home project used to be a no brainier for those with access to home equity, but since the interest rate spike, many homeowners have had to seek other, less attractive options. Donna and Nathan discuss how to weigh alternative funding options for big ticket home expenses. Also, on our MoneyTalk Moment in Financial History, Nathan and Steve tell the story of how Bank of America introduced the first multipurpose, unsecured credit card, and planted the seeds of the consumption economy. Hosts: Donna Sowa Allard, CFP®, AIF®, Nathan Beauvais, CFP®, CIMA®, CPWA® & Steven Beauvais; Air Date: 12/17/2025. 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 it comes to money, notions of “fairness” can vary from person to person — and sometimes within ourselves. Nathan and Donna discuss some scenarios that highlight contradictions in what we consider to be fair when it comes to our money. Also, on MoneyTalk, ways that technology has complicated our financial lives, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 12/16/2025. 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.

While 401k balances and the retirement account participation rate have been steadily increasing, nearly 40% of Americans are still at risk of being unable to sustain their present standard of living in retirement. Donna discusses the sharp economic divergence of the past generation between the asset accumulators and the income dependent. Also, on MoneyTalk, social security decision making, and bull market mistakes. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 12/15/2025. 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.

Burnout is all too common in corporate America today, and for those trying to decide if it's time to jump ship to a new career it can be a scary and uncertain time. Nathan talks with Dave Lubelczyk, founder of The Dream Catapult, to discuss his journey of leaving the corporate world behind to help individuals rewrite their story and pursue a lifestyle that better reflects their true values. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Dave Lubelczyk; Air Date: 12/12/2025; Original Air Date: 2/23/2024. 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.

Since the recovery from the Great Financial Crisis, housing prices have been on a moon shot trajectory, and while the market has shown some signs of cooling, the odds of a meaningful downward price shift remain low. Donna and Nathan discuss the factors that contributed to the inflated housing market, and what it would take to bring the prices back down to earth. Also, on MoneyTalk, understanding your tax withholdings, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 12/11/2025. 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.

When changing jobs, one of the first things you need to address is your retirement plan, and understanding your options is pivotal. Nathan discusses how to approach the decision making process when moving your money to a new employer sponsored plan. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel tell the story of how John Pierpont Morgan became the most powerful man in America and laid the groundwork for the Industrial Revolution. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 12/10/2025. 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.

We love talking about the benefits of the Roth IRA, and if you are one of the investors who can’t make direct contributions to a Roth due to the income limits, there are a few workarounds that you may not know about. Donna discusses some of the strategies that high earners use to take advantage of the benefit of saving on a Roth basis. Also, on MoneyTalk, anchoring our lifestyle expectations to reality. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 12/8/2025. 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 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 longtime 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: 12/5/2025; 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.

With fewer companies paying dividends today than in the past, dividend paying ETFs and mutual funds have become less diversified. Donna and Nathan discuss some of the trade-offs investors make with dividend paying securities. Also on Money Talk, what to do with your home in retirement, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 12/4/2025; Original Air Date: 12/12/2024. 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.

Your home is both a financial and an emotional investment, which is one of the reasons why real estate can be such a uniquely risky asset class. Nathan discusses the financial tug of war that often occurs around home investment decision making, and some of the risks that homeowners fail to prepare for. Also, on our MoneyTalk Moment in Financial History we tell the story of Charlie Merrill's contributions to the democratization of the stock market and the rise of the American middle class. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 12/3/2025; Original Air Date: 10/9/2024. 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.

Warren Buffett remains one of the most seasoned and prolific investors, and with over 7 decades of experience, we can learn much from his wisdom on the markets. Donna and Nathan discuss lessons shared by the Oracle of Omaha himself. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel tell the story of how an oil crisis, post war inflation, and a presidential scandal plunged the nation into a bear market in 1973. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 11/26/2025; Original Air Date: 4/18/2023. 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.

As you age, your financial priorities will change with you, so it is often useful to segment your financial plan into decades, allowing your plan to evolve to meet the needs of the moment. Donna and Nathan discuss the typical areas of focus that come with each decade as you journey toward retirement. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 11/25/2025; Original Air Date: 2/7/2023. 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.

Navigating taxes doesn’t end when your 9-to-5 does, and in retirement the rules can feel even more confusing. Donna discusses some of the tax topics that tend to complicate the filing process for retirees, including social security, RMDs, quarterly estimates and more. Also, on MoneyTalk, considerations for relocating in retirement, and how to know if the income related monthly adjustment amount will affect you. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 11/24/2025. 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 dealing with insurance companies it can often feel the chips are stacked against you, and it's the insurance adjuster's job to even the scales. Nathan welcomes Andy Gurczak, Founder and CEO of Allcity Adjusting, back to the show to discuss state property insurance laws, mistakes people make during the claims process, and strategies used by public adjusters to ensure customers get a fair settlement. Host: Nathan Beauvais CFP®, CIMA®; Guest: Andy Gurczak; Air Date: 11/21/2025; Original Air Date: 2/28/2025. 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.

Retirement has the potential to make up 1/3 of your life, so naturally your experience will change as you pass through its various phases. Nathan discusses how we evolve through the three phases of retirement, and what we can do to prepare ourselves for the journey. Also, on our MoneyTalk Moment in Financial History, Nathan and Steve tell the story of how John Pierpont Morgan built the first US industrial empire and carried the weight of a nation on his shoulders. Hosts: Nathan Beauvais CFP®, CIMA®, CPWA® & Steven Beauvais; Air Date: 11/19/2025; Original Air Date: 6/26/2024. 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.

Year-end is a time to remind ourselves what’s important…like where our money is going, and whether we’re on track for our financial goals. Donna and Nathan go over some of the items on your year-end planning checklist, including auditing unused subscriptions, maxing out tax advantaged accounts, doing a Roth conversion assessment, and much more. Also, on MoneyTalk, the unique benefits of HSAs, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 11/20/2025. 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 people end up depending on their adult children for support as they age, but for seniors who don't have children nearby for help, it's crucial to create a plan to ensure that you have the support you need when that time comes. Donna discusses legal protections, human resources, and best practices for those preparing to age alone. Also on MoneyTalk, a breakdown of the various types of annuities. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 11/17/2025. 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 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 business entities function, and choosing your investment vehicles. Host: Nathan Beauvais, CFP®, CIMA®; Air Date: 11/14/2025; Original Air Dates: 1/26/2024 & 4/26/2024. 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.

Social safety nets have existed in one form or another since the Middle Ages, but no government entitlement program has touched more people or enjoyed more longevity than Social Security. On this edition of our MoneyTalk Moment in Financial History, Nathan takes us through the events that led to the unlikely passing of the Social Security program, and why it's been so critical to the ongoing welfare of our nation. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 11/12/2025; Original Air Date: 8/9/2023. 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.

The first year of retirement is one of life's great paradigm shifts, and approaching it with a level of mindfulness is essential. Donna discusses the psychological hurdles that many face following their transition to retirement, and how to avoid getting tripped up. Also on MoneyTalk, how to reinforce financial goal-setting with young adults, and IRA FAQs. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 11/10/2025. 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.

How you choose to structure your business will have great bearing over how you are taxed, and how much liability you take on. Nathan discusses how each of the various types of business entities operate, how they differ, and why it is important to seek professional guidance when deciding which formation is right for you. Also on MoneyTalk, the diversification challenge, and understanding investment categories. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 11/7/2025; Original Air Date: 12/10/2024. 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.

One of the most common things new clients want to know is how their retirement assets measure up against their peers, and one of the first jobs of the advisor is to steer them away from this kind of thinking. Donna and Nathan discuss the process of assessing your financial health, and how to appropriately measure your progress. Also on MoneyTalk, income investing and the downsides of living off dividends. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 11/6/2025. 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.

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.