Don Sowa's MoneyTalk

Today on MoneyTalk, Donna discusses Roth Conversions, Custodial Roth IRAs, sources of the K-shaped economy, 60-day rollovers, debt consolidation, and new 401K features. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 5/11/2026. 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.

Today we have been seeing a decrease in the supply of CPAs, leaving more and more taxpayers on their own to prepare their filings. Donna and Nathan offer some DIY tax filing best practices to take a like bit of the stress out of your tax season. Also, on MoneyTalk, 7 lessons for new retirees, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 5/7/2026. 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.

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 our MoneyTalk Moment in Financial History, Nathan and Daniel tell a story of corruption and human sacrifice: the building of the second transcontinental railroad, the Northern Pacific. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 5/6/2026; Original Air Date: 11/7/2025. 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.

Investing can be a humbling endeavor, and even the most successful investors have a few bets that they wish they could take back. Donna and Nathan discuss the fatal errors that led Mike Steinhardt, one of the nation’s most successful hedge fund managers, to lose over $800M in just four days. Also, on MoneyTalk, strategic asset allocation and market timing, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 5/5/2026; Original Air Dates: 2/23/2023 & 2/6/2024. 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.

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, challenges for those aging alone. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 5/4/2026; Original Air Dates: 9/22/2025 & 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.

The Health Savings Account is the only investment vehicle that features tax deductibility, tax free growth, and tax-free qualified withdrawals. Nathan discusses how HSAs work, who offers them and who should maximize their benefits. Also, on MoneyTalk, understanding the bond market, and employer stock option plans. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; 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.

No innovation contributed more to westward expansion and American progress than the transcontinental railroad, but the road to that progress was paved in corruption and brutality. On this edition of our MoneyTalk Moment in Financial History, Nathan and Daniel tell the story of the first transcontinental railroad, and the greed, ambition and bloodshed that made it all possible. Also, on MoneyTalk, how different commodities move in relation to the markets, and how to properly use them for diversification. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 4/29/2026; Original Air Dates: 6/4/2024 & 5/21/2025. 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.

Each of us have our own conceptions about money which have been developing from a young age, and often these stories we tell ourselves can be self-destructive. Donna and Nathan take us through some of the common “money scripts” that tend to guide people’s financial decision making, and how to reframe your money mindset. Also, on MoneyTalk, how to financially support your young adult children without enabling dependency, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 4/28/2026. 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.

Navigating taxes doesn’t end when your 9-to-5 does, and in retirement the rules can get increasingly complex. 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, action items for your first year of retirement, and grounding your expectations to reality. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 4/27/2026; Original Air Dates: 1/13/2025, 11/10/2025 & 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.

The MoneyTalk show has been running for over three decades because of an active listener community who we are privileged to serve. On this episode, Nathan takes on personal finance topics suggested by listeners like you, including DIY investing, 401k pros and cons, basic investment strategies, and understanding the different investment categories. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 4/24/2026; Original Air Dates: 6/14/2023, 7/28/2023, 8/2/2024 & 2/6/2025. 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.

Social Security is a core component of most Americans’ retirement plans, but it may surprise you to hear that it was highly controversial when initially proposed, and to get it passed, Congress had to include complex provisions which still exist to this day. Donna and Nathan discuss the intricacies of the Social Security system, and the reasons why it has been so difficult to reform. Also, on MoneyTalk, how our tendency toward pessimistic thinking drives our investing decisions, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 4/23/2026; Original Air Date: 1/12/2023 & 7/1/2024. 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.

If your child asked you what caused the Great Depression, you might refer to the stock market crash of 1929, but stock markets don’t crash on their own, and the roots of our nation’s worst economic crisis had been growing for decades. On this addition of our MoneyTalk Moment in Financial History, Nathan and Daniel discuss the economic vulnerabilities of the 1920s that ultimately led to the Great Depression. Also, on MoneyTalk, the challenge of portfolio diversification. Host: Nathan Beauvais, CFP®, CIMA®; Air Date: 4/22/2026; Original Air Dates: 3/29/2023 & 5/7/2025. 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.

Budgeting is among the most vanilla financial topics we discuss on the show, but following a budget is an essential first step to being able to spend guilt free, plan for large expenses, and meet your financial goals. Donna and Nathan discuss the process of creating a budget for individuals at all income levels. Also, on MoneyTalk, questions you should ask when shopping around for a new financial advisor, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/21/2026; Original Air Date: 3/21/2024 & 7/29/2024. 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 hear some people say that you should wait until age 70 to claim Social Security to maximize your benefit, and while this may be the right option for many, it is certainly not a one-size-fits-all strategy. Donna discusses how to go about the decision-making process for when to claim Social Security. Also, on MoneyTalk, how longevity planning is providing a more comprehensive solution to the needs of retirees. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 4/20/2026; Original Air Dates: 6/30/2025 & 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.

President Eisenhower famously said âWhat is important is seldom urgent, and what is urgent is seldom important, highlighting the difference between tasks that demand immediate attention, and those that contribute to long term goals. Nathan discusses how this principle applies to our retirement goals, and how a disciplined approach to planning can help us avoid this common pitfall. Also, on MoneyTalk, the psychology of money, and the phases of retirement. Host: Nathan Beauvais, CFP®, CIMA®; Air Date: 4/17/2026; Original Air Dates: 12/8/2023, 6/26/2024 & 12/4/2025. 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 people use a home equity line of credit for home renovations and unforeseen liquidity needs, but if you are carrying an old balance on your variable rate HELOC, the current high-interest rate environment has not been friendly to you. Donna and Nathan discuss options for managing variable rate home equity loan balances, and strategies for paying down other forms of high interest debt. Also, on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 4/16/2026; Original Air Date: 4/4/2024. 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.

Investments can be packaged and presented in a variety of ways, and understanding your investments requires an equal understanding of the vehicles that carry them. Nathan offers an in depth look at ETFs and other investment vehicles. Also, on 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 the industry titans. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 4/15/2026; Original Air Dates: 3/6/2024 & 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.

Tis the season of paying, and as millions of Americans scramble to get their taxes filed on time, avoidable mistakes will inevitably be made. Donna and Nathan offer last minute tax filing tips to help you avoid some of the more common errors. Also, on MoneyTalk, new investment accounts controlled by teens, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 4/14/2026. 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.

One of the contributions of the SECURE Act 2.0 is the ability to hold an annuity within your 401(k) plan, but while a product with guaranteed income may sound appealing, it's not going to be a fit for everyone. Donna discusses annuities and who they will benefit most. Also, on MoneyTalk, AI prompt engineering to enhance your financial decision making. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 4/13/2026. 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.

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 be used to achieve specific investment goals. Also, on MoneyTalk, common retirement mistakes, and takeaways from Hans Rosling’s book, “Fact-fullness: Ten Reasons Why We’re Wrong About the World, and Why Things Are Better Than You Think”. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 4/10/2026; Original Air Dates: 6/12/2023, 1/26/2024 & 7/21/25. 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 people structure their retirement plan to spend more in their early years and rein it in over time. But it's that reigning in process that tends to trip people up. Donna and Nathan discuss when front-loading your retirement spending makes sense, and the importance of proper execution. Also, on MoneyTalk, the pros and cons of using target date funds, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 4/9/2026. 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.

Great reward typically comes with an equal measure of risk, and this is especially true when it comes to investing. Nathan discusses the various forms of investment risk, including loss of principal, purchasing power, liquidity, geopolitical, currency risk, and more. In this edition of our MoneyTalk Moment in Financial History, Nathan tells the story of America’s rise to power through the lens of the US banking system. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 4/8/2026; Original Air Dates: 1/18/2023 & 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.

Giving is an essential part of a healthy society, and hey, if that generosity can save you a few bucks on your taxes, then all the better! Donna and Nathan discuss charitable giving strategies investors can use to maximize the tax deductibility of their donations. Also, on MoneyTalk, annuity basics, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 4/7/2026. 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.

One of the simplest and most impactful things you can do for your financial welfare is to keep an emergency fund. Donna discusses how to determine the appropriate size of your emergency fund, and what kind of needs it should be used for. Also MoneyTalk, adjusting your equity allocation in retirement, and a new retail scam with a surprising twist. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 4/6/2026. 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.

You likely have 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 MoneyTalk, how to determine what should be included in your financial plan, and the history of the fractured US banking system before the creation of the Federal Reserve. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 4/1/2026; Original Air Dates: 1/11/2023, 9/8/2023 & 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.

Asset managers are always looking for creative ways to introduce safety into retirement portfolios without sacrificing growth, and some argue that the traditional 60/40 portfolio may be outdated. Donna and Nathan discuss diversification through alternative asset classes, and how to to find right mix for you. Also, on MoneyTalk, DIY investing tips, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 4/2/2026. 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.

Medicare and Social Security are the two government entitlement programs that just about all of us will have to deal with, and when that time comes, we want you to be prepared with the information you’ll need to make the right decision. Donna and Nathan discuss how to decide when it’s appropriate to file for Medicare and Social Security based on your personal circumstances. Also, on MoneyTalk, is it worth it to move to a state with no income tax, and Stock Trivia: Two Truths and a Lie. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 3/31/2026; Original Air Dates: 8/13/2024 & 1/6/2025. 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.

It’s pretty common to insure your home and auto, but is that truly enough to leave you covered? Donna and Nathan discuss umbrella insurance, how it works, and why so many financial professionals today consider it a key layer of protection. Also, on MoneyTalk, lessons from Morgan Housel’s acclaimed book, The Psychology of Money, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 3/26/2026; Original Air Dates: 1/11/2023 & 8/1/2024. 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.

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: 3/25/2026; 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.

That 10 year 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 runs through 10 questions you should be asking yourself when planning for your final approach to retirement. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 3/30/2026; Original Air Date: 9/23/2024. 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.

Today, with less and less people using a CPA to file their taxes, mistakes are exceedingly common and can lead to delays and added costs. Donna and Nathan discuss some common tax filing mistakes that are simple to avoid to help you make this tax season a smooth one. Also on MoneyTalk, the complications that come with inheriting money, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 3/24/2026. 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.

Finding a new advisor is all about seeking compatibility, and as much as investment philosophy and personality matter, age tends to be one of the factors that weighs heavily on the decision-making process. Donna and Nathan discuss how experience and relatability impact peoples’ choice when selecting a financial advisor. Also, on MoneyTalk, planning for the risks you won’t see coming, responsible use of credit cards for kids, and celebrity estate planning horror stories. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 3/23/2026; Original Air Dates: 7/20/2023, 7/2/2024 & 7/11/2024. 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.

Many people hire an advisor because they feel that their investments are too important to risk going it alone, but for those who choose a more self-directed approach, it’s important to know the pitfalls to avoid. Nathan discusses DIY investor traps and how to be a smart money manager. Also on MoneyTalk, basics of workplace accounts, current yields and preferred stock, and the price of time. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 3/20/2026; Original Air Dates: 6/12/2023, 8/3/2023, 8/2/2024 & 2/5/2026. 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.

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.