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!

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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!

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We can all agree that we are in the midst of a challenging housing market, but it may surprise you to learn that the cost of a median priced home in ounces of gold today is the same as it was back in 2008. Donna and Nathan discuss how looking at the big economic picture can reframe our understanding of the real condition of a particular financial market. Also on MoneyTalk, how restricted stock units work, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 10/7/2025. 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!

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For early baby boomers, the transfer of wealth to the next generation typically took place at death, but today we are seeing far more retirees beginning to transfer their wealth while still living, which can require a more complex level of estate planning. Donna discusses estate planning considerations for those looking to begin the wealth transfer process early. Also on MoneyTalk, the benefits of a trust in estate planning, and mistakes investors make when times are good. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 10/6/2025; Original Air Dates: 7/10/2023, 4/22/2024 & 8/4/2025. 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!

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Many work with therapists to improve their relationships or understand their motivations, but few of us take the time to look inward and discover why we handle our finances the way that we do. Nathan offers insights from Richard Thaler on why we are so inconsistent with how we think about money, and from Steve Buckholder on how to get out of your own way when approaching your financial goals. Also on MoneyTalk, the differences between IRAs and non-retirement accounts, and the Big Three stock indices. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 10/3/2025. 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!

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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, the push for financial literacy in schools, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 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!

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When you were first hired at your job, you may have been given a brief overview of your workplace retirement account that got buried in your new-hire documents, but each type of retirement account carries its own unique features and benefits that are important to understand. Nathan discusses the different types of employer sponsored plans, and how to use them to their full advantage. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel tell the story of how Standard Oil shaped American industry, and sparked the birth of modern antitrust law. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 10/1/2025; Original Air Dates: 1/4/2023 & 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!

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Inheriting money from your spouse is a pretty straightforward process, but when money is passed down from parents or other family members, the rules get a bit more murky. Donna and Nathan discuss the process of distributing assets from a non-spousal inheritance, and the tax implications of getting it wrong. 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: 9/30/2025; 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!

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The 401(k) savings rate has finally reached 15%, the level experts say is required for the average worker to retire comfortably when they reach retirement age. Donna discusses the economic factors, policy changes and product innovations that have contributed to the closing of the retirement savings gap. Also on MoneyTalk, the 8 year window for claiming social security, and what to do with your old 401(k). Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 9/29/2025; Original Air Dates: 8/26/2024, 6/23/2025 & 6/30/2025. 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!

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Financial planning is about defining and prioritizing your goals and values, and developing a roadmap to help guide you through the many decisions that lie ahead. Donna and Nathan take us through the steps in the financial planning process, and discuss how working with a fiduciary can help you take the reins on your future retirement. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/26/2025; Original Air Date: 11/22/2022. 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!

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