Advertise on podcast: Don Sowa's MoneyTalk

That 10 year stretch of time leading up to retirement is a critical period when your strategic retirement plan gets accelerated to get you to your goal, 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. Also on MoneyTalk, top retirement mistakes to avoid. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 9/28/2026; Original Air Dates: 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.

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®, CPWA®; Special Guest: Andy Gurczak; Air Date: 9/25/2026; 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.

Financial advisors live in a world of numbers, but when it comes to determining client suitability and risk tolerance, a fiduciary must go beyond the numbers to explore the qualitative factors that drive decision making. Donna and Nathan dive into the realm of behavioral finance to help you better understand the psychology behind how you spend and save, and the biases that help to form your money habits. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/24/2026; Original Air Date: 3/28/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

You have likely heard of the three primary US stock indices, the Dow Jones Industrial Average, the S&P500 and the Nasdaq, but many people don’t have a clear understanding of which they should be following, and when. Nathan discusses the differences between the Big Three, and why each one is uniquely important to the overall market. Also on our MoneyTalk Moment in Financial History, Nathan and Daniel explain how Great Britain turned one of the first joint stock companies into a commercial empire: the story of the British East India Company. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Guest: Daniel Sowa; Air Date: 9/23/2026; Original Air Dates: 9/8/2023 & 2/26/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Inheriting money from a spouse is a pretty straightforward process, but when money is passed down from parents or other family members, the rules get a bit more complicated. Donna and Nathan discuss the process of distributing assets from a non-spousal inheritance. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. —Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features, and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index annuity for its features, costs, risks, and how the variables are calculated.— Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/22/2026; Original Air Date: 7/1/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

You may have heard of the 4% Rule, which suggests 4% as the maximum sustainable rate of withdrawal from your retirement accounts, but over recent years the goal posts have been shifting, and some suggest that it’s time for a rule change. Donna offers insights on how well the 4% rule and other classic financial rules of thumb hold up today. Also on MoneyTalk, options for those receiving non-spousal inherited IRAs. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 9/21/2026; Original Air Dates: 7/18/2024 & 8/25/2025. Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

The 401k is one of the best deals in investing, and with improvements like the Roth option and brokerage link, the value of the 401k just keeps growing. Nathan offers tips for maximizing the benefits of your 401k. Also on MoneyTalk, how employers use employee stock option plans as part of an exit planning strategy, and a philosophical look at money. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/18/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

The SEC recently opened the door for the tokenization of publicly traded stocks, a move with the potential to increase market volume, and a step toward 24/7 trading. Donna and Nathan discuss the motivations behind this move, and how the broad integration of blockchain into securities markets could impact growth overall. Also on MoneyTalk, challenges couples face when blending finances, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/17/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Social Security is arguably the most important government entitlement since it affects just about every American, but surveys show that the majority of people lack a real understanding of how the program works. Donna and Nathan run through seven facts about social security that many people get wrong. Also on our MoneyTalk Moment in Financial History, Nathan covers the Panic of 1907. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/16/2026; Original Air Dates: 8/26/2025 & 9/6/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Each year on Black Friday American shoppers spend billions of dollars on goods, but what you may not know is that the original black Friday was anything but a boon for the economy. On this edition of our MoneyTalk Moment in Financial History, Nathan and Daniel cover the events of Black Friday 1869, the historic market crash driven by plummeting gold prices, and the greed and ambition of one of the wealthiest and most infamous characters of the time, Jay Gould. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Guest: Daniel Sowa; Air Date: 9/15/2026; Original Air Date: 8/14/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Donna shares answers to questions from wealth management clients, including: How do I go about selling my precious metal items without getting swindled? How do I live my best retirement without overspending? What kind of an emergency fund should I keep?— and more. Also on MoneyTalk, a refresher on the basics of investing. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 9/14/2026; Original Air Date: 2/9/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Yield is an expression of hour much income you earn on your money, but the way it is measured differs depending on the type of security. Nathan discusses how to measure yield across different asset classes, and why it is so important to understand. Also on MoneyTalk, advice from industry’s top investors. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/11”/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

The employee pension plan, widely considered a relic from long past, is actually making a comeback, but this new type of pension bares little resemblance to the plan your grandfather depended on. Donna and Nathan discuss cash balance plans, how they function, and how they differ from traditional pensions. Also on MoneyTalk, complications that arise when inheriting a family home, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/10/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

In a world where college grads struggle to find work, while skilled tradesmen are being flooded with job opportunities, it’s becoming harder than ever to justify the cost of that four year degree. Donna and Nathan dig into the employment numbers to discuss the economics behind this shift, and what it forebodes for the future of white collar work. Also on MoneyTalk, determining your risk tolerance, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/8/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

You might be thinking that a Roth conversion could be a smart way to avoid paying some of the taxes on your RMD, but unfortunately for you, the government thought of that first. Nathan discusses required minimum distribution rules, common misconceptions about loopholes, and some proactive planning strategies for reducing the RMD tax bite. Also on MoneyTalk, understanding stock options, and the rise of JP Morgan. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/9/2026; Original Air Dates: 1/28/2026 & 5/17/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.