Don Sowa's MoneyTalk

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!

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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!

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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!

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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!

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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!

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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!

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Debt is one of our least favorite four letter words, but the truth is that not all debt is created equal, and in some cases it can be used as part of a broader strategy for investing in your future. Donna and Nathan discuss good vs bad debt, and how it can be used as a tool if you have the discipline. Also on MoneyTalk, financial fasting, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/3/2026. 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!

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We live in an increasingly frictionless world, with automatic bill payments and 401(k) contributions, but too few people apply this strategy to their emergency savings, and the result has been an increased rate of early retirement distributions for unforeseen expenses. Donna discusses the prevailing problem of 401(k) leakage, and how automating your savings can help you avoid it. Also on MoneyTalk, the benefits of a trust, and how to know if you need long-term care insurance. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/31/2026; Original Air Dates: 8/18/2025, 4/22/2024 & 4/3/2023. 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!

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Mark Twain once said, “History seldom repeats itself, but it often rhymes”, and this can be a powerful lesson when applied to the markets. Nathan discusses the dangers of putting too much stock in historical performance, and to remember that every moment is unique. Also, on our MoneyTalk Moment in Financial History we tell the story of how Charlie Merrill contributed to the democratization of the stock market and the rise of the American middle class. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/2/2026. 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!

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Funds that are actively managed often carry higher internal expenses, which can be justified when they deliver alpha, but that is not always the case. Donna and Nathan discuss the types of funds that can make sense to pay a premium for, and those that don’t. Also on MoneyTalk, choosing the executor of your estate, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/1/2026. 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.