Believe it or not, 150 years ago the average male only lived to age 65 and most worked until they died, so the idea of retirement is still a relatively new concept. Donna and Nathan discuss retirement revelations outlined in Ben Carlson’s book, “Everything’s You Need to Know About Retirement”, including: how family history helps forge your money habits, how saving money is really about buying time and freedom, the power of compounding, and much more. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/16/2025; Original Air Date: 9/28/2023. 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 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, when to consider a Roth conversion, and how IRRMA impacts Medicare premiums. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/15/2025; Original Air Date: 4/9/2024. 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.

During a bull market, some people hire a financial advisor for the wrong reasons, expecting them to put on a magic show rather than treating investing as a lifelong endeavor to build wealth with patience and prudence. Nathan discusses the important distinction between investing as an enterprise vs investing for entertainment. Also on MoneyTalk, understanding income investing, and the price of time. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/12/2025. 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.

Buy-now-pay-later has gained popularity throughout the retail space as a way for shoppers to purchase goods that they may not have the cash for, but some fear that this trend is contributing to poor spending habits for a young generation of consumers. Donna and Nathan discuss who profits from BNPL purchases, how credit reporting agencies are changing the way they treat these transactions, and what the trend indicates about our consumption economy. Also on MoneyTalk, how credit scores are calculated, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/11/2025. 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!

See omnystudio.com/listener for privacy information.

If you were to ask someone to name the most successful investor of our time, 9 times out of 10 you would likely hear the name Warren Buffett. On this edition of our MoneyTalk Moment in Financial History, Nathan and Daniel cover the meteoric rise of Warren Buffett, and how his clear and principled approach to investing would lead him to become one of the most prolific investors in American history. Also on MoneyTalk, how to face the challenge of retiring in a down market. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa. Air Date: 9/10/2025. 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.

Getting audited by the IRS is something we all have to be ready for, and no one looks forward to, but the typical audit experience can be surprisingly straightforward - if you’re prepared. Donna and Nathan talk about common audit triggers, how to communicate effectively with the IRS, and what documents you absolutely need to have ready when your number gets pulled. Also on MoneyTalk, how to define your risk tolerance, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/9/2025. 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, leading some to question the validity of this classic rule of thumb. Donna and Nathan discuss how to determine what rate of withdrawal makes sense based on your current and projected cost of living and the importance of building flexibility into your retirement plan. Also on MoneyTalk, the importance of financial literacy for our society. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/8/2025; Original Air Date: 1/18/2024. 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.

At age 18, we are put in a position to make financial decisions that most are not fully prepared for, and a few small mistakes can lead to long-term consequences. Today’s special guest, Yanely Espinal, Director of Educational Outreach at Next Gen Personal Finance, has made it her mission to address this problem head on, working with students and educators to promote Financial Literacy in schools and throughout the community. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Yanely Espinal; Air Date: 9/5/2025; Original Air Date: 6/2/2023. 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.

After 3+ decades of MoneyTalk, if we haven’t sold you on the importance for saving for retirement, then we’re really doing something wrong! But just in case you need more convincing, Donna and Nathan offer 10 reasons to save for retirement, including: Social Security likely won’t be enough to live on, people are living longer, new 401K features make saving easier than ever, and more. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/4/2025; Original Air Date: 8/11/2023. 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 a variety of investment vehicles at your disposal, and knowing how and when to use one over another requires a good understanding of their mechanics. Nathan breaks down the common investment vehicles, how they differ, and the various needs they serve within your portfolio. Also, on our MoneyTalk Moment in Financial History, Nathan and Steve cover a period that still looms large in the collective memory of our nation, The Great Financial Crisis of 2008. Hosts: Nathan Beauvais CFP®, CIMA®, CPWA® & Steven Beauvais; Air Date: 9/3/2025; Original Air Dates: 10/25/2023 & 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!

See omnystudio.com/listener for privacy information.