Don Sowa's MoneyTalk

Medicare and Social Security are the two government entitlement programs that just about all of us will have to deal with, and when that time comes, we want you to be prepared with the information you’ll need to make the right decision. Donna discusses how to decide when it’s appropriate to file for Medicare and Social Security based on your personal circumstances. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 1/6/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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When we plan for retirement, we tend to spend the majority of our time thinking about money, but research shows that there is much more to a happy retirement than dollars and cents. Nathan interviews Morningstar columnist Christine Benz, author of “How to Retire: 20 Lessons for a Happy, Successful and Wealthy Retirement”, to discuss perspectives from thought leaders on what contributes to a truly successful retirement. Host: Nathan Beauvais, CFP®, CIMA®; Special Guest: Christine Benz, Morningstar; Air Date: 1/3/2025; Original Air Date: 11/1/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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On any given year we can safely expect that something will come along to scare off investors, so with the new year upon us, we’ve decided to share 7 things to remember for 2025. Donna and Nathan share investing lessons for the new year, including: don’t mix politics and investing, time in the market is more important than timing the market, expect big market swings rather than average returns, and more. Also on MoneyTalk, how to invest in international, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 1/2/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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With over $13 trillion held in IRAs today, they are far and away the most popular retirement savings vehicle, but with their ever changing and complex set of rules, costly IRA mistakes remain exceedingly common. Donna discusses some of the top IRA mistakes made by retirement savers, and how to avoid them. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 12/30/2024; Original Air Date: 10/16/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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The Roth 401k is a relatively new option in employer sponsored plans, but its popularity has quickly skyrocketed, and for good reason. Nathan discusses why the Roth 401k has been so widely adopted, and who should be taking advantage of it. Also on MoneyTalk, Nathan walks us through the phases of retirement, and Stock Trivia: Two Truths and a Lie. Host: Nathan Beauvais, CFP®, CIMA®; Air Date: 12/27/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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As we age, it’s only natural to look to the next generation with hopes that they won’t make the same mistakes that we did. Donna and Nathan reflect on the lessons we can impart on millennials as they struggle to pave their way through the challenges of today’s world. Also on MoneyTalk, developing a diversification mindset, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 12/26/2024; Original Air Dates: 4/30/2024 & 5/16/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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The 0% interest rates of the past few decades made funding home projects easy, but today that easy money environment is long gone, leaving many homeowners struggling to decide which resources to tap. Donna and Nathan discuss funding challenges amid high interest rates. Also on MoneyTalk, niche retirement communities, and the good and the bad of fintech. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 12/23/2024; Original Air Dates: 3/7/2024 & 4/25/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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Henry Ford is credited for his innovative use of the assembly line, his obsession with maximizing efficiency, and spearheading the five day work week, but there’s a much darker layer to Ford’s legacy highlighted by abuse and neglect for the welfare of his workers. On this edition of our MoneyTalk Moment in Financial History, Nathan and Steve take us through the history of one of the Industrial Revolution’s greatest contributors, Henry Ford. Hosts: Nathan Beauvais CFP®, CIMA® & Steven Beauvais; Air Date: 12/18/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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2024 will be remembered as a year of change, many of which may have a direct impact on your retirement. Donna and Nathan discuss some of these shifts, including: Trump’s return to the Whitehouse, rising Medicare premiums, the trend of partial retirement, increasing concern over Social Security insolvency, and the acceleration of the Great Wealth Transfer. Also on MoneyTalk, what to do if you were impacted by the RI Bridge hack, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 12/17/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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Having property passed down to you may sound like good fortune, but handling it properly is often not as straightforward as you may think. Donna and Nathan discuss considerations for those inheriting a home. Also on MoneyTalk, year-end gifting dos and don’ts, and understanding your payroll withholdings. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 12/16/2024; Original Air Dates: 6/6/2024, 7/9/2024 & 11/21/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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