WPRV- Don Sowa's MoneyTalk

One popular tool used by investors to project portfolio longevity is the Monte Carlo simulation, but good retirement planning is highly personalized, and simulations can take the process only so far. Donna and Nathan discuss how financial advisors take planning tools to the next level by interpreting the results and applying them strategically to your individual circumstances. Also on MoneyTalk, how to determine your ideal retirement account withdrawal rate, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 3/19/2026; Original Air Date: 6/27/2023 & 7/6/2023. 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.

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: 3/18/2026; 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.

Ever since the advent of index funds and ETFs, the industry has debated the value provided by mutual fund managers, especially with passive alternatives available at lower cost to investors. Donna and Nathan consult the data and discuss the benefits and drawbacks of active and passive investments. Also, on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 3/17/2026; Original Air Date: 12/20/2023. 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.

If you are within 10 years of retirement, you need to start planning more intentionally for the transition ahead of you, and the best place to start is figuring out what questions you will need answers to. Donna and Nathan cover some of the questions you'll need to consider on the run up to retirement. Also on MoneyTalk, how AI is reshaping our daily lives, when is it too late to catch up on retirement savings, is it wrong to respond to market volatility, and more. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 3/16/2026; Original Air Date: 8/14/2023. 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.

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 longtime 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: 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.

People often use commodities as a portfolio diversifier or a hedge against inflation, and while this can be true for some materials, commodities vary broadly so knowing what types to use can be a challenge. Nathan discusses how different commodities move in relation to the markets, and how to properly use them for diversification. Also, on our MoneyTalk Moment in Financial History we discuss one of the earliest and most consequential financial bubbles of all time, the South Sea Bubble. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 3/11/2026. 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.

AI has created a new frontier for identity theft and consumer fraud, and more and more people are finding unauthorized lines of credit opened in their name, which can be a credit killer and a nightmare to fix. Donna and Nathan discuss how freezing your credit as a preventative measure has become easier than ever, and a critical defense against these rapidly growing threats. Also, on MoneyTalk, what to do if you are made executor of an estate, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 3/12/2026. 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.

Things happen that are out of our control, and the IRS has added new flexibility into retirement account withdrawal rules to better accommodate those situations. Donna and Nathan explain how the rise in hardship withdrawals may be a signal that IRA rule flexibility is working against our collective retirement goals. Also on MoneyTalk, avoiding investor hindsight, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 3/10/2026. 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.

The year before retirement can bring a mix of anticipation and anxiety, but one way to harness those emotions is to focus on the action items that need your attention most before you take the big leap. Donna discusses some of the things that should be on your final approach to retirement checklist. Also on MoneyTalk, what to do with that old 401K. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 3/9/2026; Original Air Date: 8/26/2024 & 1/12/2026. 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 one of those universal retirement topics that touches just about everyone, and as such we like to give it its proper attention here on the MoneyTalk show. Nathan covers the information you need to know around Social Security rules, legislation, and the history of the program’s implementation. Also, on MoneyTalk, stress testing your retirement plan. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 3/6/2026; Original Air Date: 5/10/2024. 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.

Retirement planning is a life-long endeavor, and ruminating over the financial question marks that linger in the back of our minds can weigh on us over time. Donna and Nathan discuss retirement planning issues that keep people up at night, including whether or not their money will last, how to pay for long term care, sorting out financial clutter, and much more. Also, on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 3/5/2026; Original Air Date: 8/29/2023. 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.

Cash gifting to family members in need is exceedingly common in our inflated economy, but if you are planning on offering monetary gifts to your loved ones, it is important that you do so as part of an overall gifting strategy. Donna and Nathan discussed annual and lifetime gift tax limits, and how to properly record your activity with the IRS. Also, on MoneyTalk, managing portfolio risk, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 3/3/2026; Original Air Date: 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.

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 offers insights from experts on what rate of withdrawal makes sense based on current and projected cost of living, and the importance of building flexibility into your retirement plan. Also on MoneyTalk, things should you be focusing on during your last year before retirement. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 3/2/2026; Original Air Date: 8/25/2025. 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.

For as long as we’ve had written history, money has held three important functions in our society: as a medium of exchange, a unit of account, and a store of value. But that last function has come under pressure over time due to the presence of inflation. Nathan discusses how our understanding of money has evolved over the millennia, and why it matters for our future. Also, on MoneyTalk, what to look for when researching mutual funds. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 2/27/2026; Original Air Date: 8/8/2025. 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.

In his 2026 state of the union address, the president announced a new public retirement plan with a government match for workers without access to an employer sponsored plan. Donna and Nathan discuss this bold initiative and what it could mean for future retirees. Also on MoneyTalk, why the AI disruption is accelerating and who is being hit hardest. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 2/26/2026. 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.

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. Also on MoneyTalk, common Retirement mistakes and how to avoid them. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 2/23/2026; Original Air Dates: 11/20/2023 & 12/9/2024. 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.

Since the advent of the MoneyTalk show we've discussed the art of portfolio management, but there is also a science behind the methods asset managers employ. Nathan discusses how different asset allocation strategies can used to achieve specific investment goals. Also on MoneyTalk, highlights from Scott Patterson's “Chaos Kings: How Wall Street Traders Make Billions in the New Age of Crises”, and why many companies today choose stock buybacks over paying dividends. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 2/20/2026; Original Air Dates: 7/28/2023, 8/23/2023 & 4/10/2024. 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.

The current generation of young investors has been quick to adopt the latest innovations in financial technology, which has resulted in a higher rate of market participation than emerging generations of the past. Nathan and Donna discuss lessons we can learn from today's budding investor class. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 2/19/2026. 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.

Life is full of issues that are important, but not urgent, and one way to stop yourself from kicking the down the road is through a well-developed financial plan. Nathan discusses some of the key components of a financial plan, and how to decide what should be included in yours. Also on MoneyTalk, some top financial scams, and Stock Trivia: Two Truths and a Lie. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; 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.

Let’s be honest, none of us like thinking about our mortality, and unfortunately this can lead to procrastination with addressing important estate planning matters. Donna and Nathan discuss some of the more common estate planning mistakes and some simple steps you can take ensure that your assets are protected for the long haul. Also, on MoneyTalk, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 2/17/2026; Original Air Date: 7/25/2024. 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.

That stretch of time leading up to retirement is a critical period when your strategic retirement plan gets accelerated to get you past the goal line, and how you choose to focus your efforts and resources will make all the difference. Donna and Nathan run through some of the challenges and key decisions that you’ll face from ages 50 to 65 as you position yourself for the big transition. Also, on MoneyTalk, Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 2/16/2026; Original Air Date: 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.

If you are among the millions of Americans who don'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® & Steven Beauvais; Special Guest: Paul Brule; Air Date: 2/13/2026; 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.

When it comes to retirement, how you spend your time is arguably as important as how you generate income, but seldom receives the same attention during the planning phase. Donna and Nathan discuss the importance of prioritizing structure and values-based activities when planning your transition to retirement. Also, on MoneyTalk, why the private equity markets are all in on AI, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 2/12/2026. 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 most Americans receive income from multiple sources, all of which are 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, how to choose the right retirement account, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 2/10/2026; Original Air Date: 4/9/2024 & 1/20/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!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. Host: Donna Sowa Allard, CFP®, AIF®; 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.

Nearly half of marriages today end in divorce, and surveys show that the leading causes for these failed unions involve differences around money. Donna and Nathan discuss the importance of financial compatibility between partners, and the critical role of communication and transparency around money. Also, on MoneyTalk, finding your safe spending rate in retirement, paying off your mortgage vs investing, when to claim social security, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 2/5/2026; Original Air Date: 10/5/2023. 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.

With the right instruction, you could probably fly an airplane, but you leave it to a professional because the cost of making a mistake is too high. Many feel the same way about investing, but for those who prefer the pilots chair, Nathan explains a few of the traps DIY investors often fall into and how to recognize them. Also, on MoneyTalk, understanding the various business entities, the consequences of trading to much, and Beauvais’s book recommendations. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 2/6/2026. 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 are one year out from retirement, you know that it’s time to get your ducks in a row, the question is: which ducks and in what order? Donna and Nathan discuss how to prioritize your action items during that last year before retirement. Also, on MoneyTalk, common questions from first-time clients, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 2/3/2026; Original 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.

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. Also, on MoneyTalk, common Retirement mistakes and how to avoid them. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 2/2/2026; Original Air Dates: 11/20/2023 & 12/9/2024. 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.

People often have confusion around about how and when a Roth conversion should be used, which is why there is 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 our MoneyTalk Moment in Financial History we cover the story of Black Friday 1869. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 1/28/2026. 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.

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: 1/26/2026; 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.

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®, CPWA®; Special Guest: Christine Benz, Morningstar; Air Date: 1/23/3026; 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.

In today’s inflated economy, it’s rare to find a financially independent young adult, but supporting your children without healthy boundaries is a sure way to stunt their growth and potentially threaten your retirement goals. Donna and Nathan discuss how to provide balanced financial assistance to your kids without sacrificing your own future security. Also, on MoneyTalk, why some retirees are getting a higher tax bill than they planned for, and how to know if you need a trust. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 1/22/2026. 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 annuity was designed to provide a stream of lifetime income in exchange for a lump sum payment, and they have since evolved to provide varying levels of safety and growth, but these features come at a steep cost, and it's important to understand their limitations if you wish to reap their benefits. Donna and Nathan discuss mechanics, tax treatment, and complex rules governing annuities that can lead to confusion and costly mistakes. Also, on our MoneyTalk Moment in Financial History, Nathan covers the critical role of tariffs and taxes throughout US history. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 1/21/2026. 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!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, 529s and other college tools, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 1/20/2026; Original Air Dates: 12/28/2023 & 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.

High earners over age 50, a group traditionally excluded from Roth participation, are now being required to make their catch-up contributions on a Roth basis, an ironic pivot intended to bolster near term government revenue. Donna and Nathan discuss the various changes to retirement account rules and limits to keep you on the right side of the regulators. Also, on MoneyTalk, investing in international markets, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 1/15/2026. 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.

An employer stock option plan can be a valuable company benefit as a compliment to your employees' retirement savings, but it can also be a powerful tool to facilitate a business owner's exit strategy. Nathan discusses the ins and outs of ESOPs, who they may be appropriate for, and why an employer may choose sell their company to their employees rather than on the open market. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel take us through the complicated legacy of one of the Industrial Revolution's greatest contributors, Henry Ford. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 1/14/2026. 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.

Starting in 2026, higher income workers over 50 are required to make 401k catchup contributions on a Roth basis, one of the more controversial provisions of the SECURE Act 2.0. Donna discusses how this change reduces the potential for tax deferred growth for those affected while increasing government revenue, and some of the likely implementation hurdles. Also, on MoneyTalk, considerations for the year leading up to retirement. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 1/12/2026. 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.

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: 1/6/2026; 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.

Retirement planning is mainly focused on the math, but there is much more to aging than surviving financially, and today’s advisors are taking a more holistic approach to serving their senior clients. Donna discusses how longevity planning is providing a more comprehensive solution to the needs of the retirement community. Also, on MoneyTalk, hurdles you may face during your first year of retirement. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 1/5/2026. 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.

After investing decades of time and energy into building a business, when the day finally comes to cash in on that hard work, many are shocked to find that they've vastly overestimated their business' market value and are unprepared for the financial and psychological shift ahead. Nathan discusses strategies for preparing your business for sale, including boosting your valuation, succession planning, and transitioning to life after the hustle. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 1/2/2026. 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.

With over $13 trillion held in IRAs today, they are far and away the most popular retirement savings vehicle, but with their ever changing and complex set of rules, costly IRA mistakes remain exceedingly common. Donna discusses some of the top IRA mistakes made by retirement savers, and how to avoid them. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 12/29/2025; Original Air Date: 10/16/2023. 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.