Don Sowa's MoneyTalk

During a bull market it can be easy to drop our guard on managing portfolio risk, and before you know it, that once balanced portfolio has taken on a far more aggressive allocation than you may have originally planned. Nathan discusses the importance of maintaining a diversification mindset as you pass through market cycles. Also, on our MoneyTalk Moment in Financial History we cover the history of the US banking system. Host: Nathan Beauvais CFP®, CIMA®; Air Date: 1/22/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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Even if you know all of the rules that govern Traditional and Roth IRAs, deciding on which to use and how to use them can still be a difficult one. Donna and Nathan discuss the differences between Traditional and Roth IRAs, and the types of questions you should be asking yourself when deciding how to incorporate them into your retirement planning. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 1/21/2025; Original Air Date: 5/9/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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Don Sowa always said, there are no inherently bad financial products, just good products used badly. This statement rings especially true with annuities, and the bad wrap they’ve earned largely reflects a misunderstanding of how the product was meant to be used. Donna and Nathan discuss the different types of annuities, and who each is appropriate for. Also on MoneyTalk, the elimination of the government pension offset and Windfall Elimination Provision for social security, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 1/16/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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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 covers 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®; Air Date: 1/15/2025; Original Air Date: 8/14/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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You might think that with the high cost of education today, having too much college savings would be the least of your concerns. But there are many circumstances in which 529 balances remain unused, particularly today when more and more children are opting to forgo college for alternative paths. Donna and Nathan discuss new options for unused 529 savings made available through the SECURE Act 2.0. Also on MoneyTalk, 7 investing lessons for 2025, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 1/14/2025; Original Air Dates: 5/28/2024 & 1/2/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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The HELOC is one of the most popular types of home equity loan due to its flexibility, but many who are carrying old balances on their variable rate HELOCs are struggling with unmanageable payments due to our high interest rate environment. 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®; Air Date: 1/13/2025; Original Air Date: 4/4/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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For the past few years we've been adjusting to an unreliable bond market, where alternative approaches to portfolio diversification have become increasingly common. Nathan discusses various categories of liquid alternative investments and how they function differently to achieve portfolio diversification. Also on MoneyTalk, options for leveling up your 401k. Host: Nathan Beauvais, CFP®, CIMA®; Air Date: 1/10/2025; Original Air Date: 6/30/2023 & 7/28/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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Will I have enough to retire? What will my retirement expenses look like? When planning for retirement, knowing the the right questions to ask is critical to defining and achieving your goals, and with new options like in-service rollovers available, that list of questions is just getting longer. Donna and Nathan discuss some of the considerations you should have when approaching retirement. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 1/9/2025; Original Air Date: 11/1/2022. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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When Shakespeare wrote, "What's in a Name?", he clearly wasn't talking about financial accounts, because the way we title our accounts has great bearing over who controls them, the limits of that control, and their tax treatment. Nathan and Steve take us through some scenarios that highlight the importance of being intentional about the types of accounts you open, and how you choose to tile them. Also, on our MoneyTalk Moment in Financial History we tell the story of how the California Gold Rush fueled westward expansion at the turn of the century. Hosts: Nathan Beauvais CFP®, CIMA® & Steven Beauvais; Air Date: 1/8/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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Since the passing of the SECURE Act 2.0, the IRS age trigger for required minimum distributions has been raised to 73, but having a little extra time to grow your assets doesn’t necessarily mean there will be more money left when you pass. Donna and Nathan discuss RMD planning, and how to use the rules to your maximum benefit. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 1/7/2025; Original Air Date: 10/15/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

See omnystudio.com/listener for privacy information.