Don Sowa's MoneyTalk

Ever since the advent of index funds and ETFs, the industry has debated the value provided by mutual fund managers, especially with passive alternatives available at lower cost to investors. Donna and Nathan consult the data and discuss the benefits and drawbacks of active and passive investments.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 12/20/2023.

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Life insurance is a broad and complicated area of personal finance, and the particular type of insurance that is right for you may not be right for someone else. Donna and Nathan discuss the various types of life insurance, and how to determine which products will best serve your individual needs. Also on MoneyTalk, Ron Baron’s philosophy on choosing investments.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 12/19/2023.

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Many people today look to set themselves up for tax free withdrawals in retirement through a Roth conversion, but the decision to do so requires a careful analysis of your tax and income picture. Donna discusses how to determine if a Roth conversion makes sense for your particular circumstances. Also on MoneyTalk, retirement planning rules of thumb, pros and cons of receiving a big tax return, and more.

Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 12/18/2023.

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The retirement income picture has been changing over recent decades, and the responsibility for generating lifetime income for our seniors has now shifted from government and employer to retiree. Nathan discusses retirement income planning tools and strategies for those uncertain about how they are going to meet their retirement goals. Also on MoneyTalk, a conversation with Healthsource RI director Lindsey Lang.

Host: Nathan Beauvais, CFP®, CIMA®; Air Date: 12/15/2023.

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Although the markets have been up since the pandemic, statistics show that retirement account balances are down over that same period, and one of the causes for this phenomenon is that millennials are saving differently from their predecessors. Donna and Nathan discuss this shift in retirement savings. Also on MoneyTalk, how Stanley Druckenmiller’s unique approach to investing led to exponential returns for his his hedge fund.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 12/14/2023.

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It’s that time of year again where we look at making moves to minimize our tax liability, and one of the best places to start is with your investment accounts. Nathan and Steve discuss year end tax planning related to your retirement accounts, Medicare, charitable contributions, and more. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel tell the story of how Charlie Merrill used financial advertising to draw the middle class into the investment markets.

Hosts: Nathan Beauvais CFP®, CIMA® & Steven Beauvais; Guest: Daniel Sowa; Air Date: 12/13/2023.

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GDP is up, inflation is falling, and more Americans have jobs than at any point in history, but if you ask people how they feel about the economy, the answers often don’t jive with the data. Donna and Nathan discuss why consumer sentiment isn’t reflecting the positive statistics about the health of the economy. Also on MoneyTalk, some of the drawbacks of annuities.

Host: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 12/12/2023.

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One of the most common questions we hear has to do with decisions around money received, particularly when that money was not planned for, like an inheritance. Donna discusses the process of determining how to use that money to best serve your particular needs. Also on MoneyTalk, benchmarking your portfolio performance, determining your appropriate withdrawal rate, and issues around wealth transfer.

Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 12/11/2023.

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People often associate personal finance with math, but your philosophy about money is equally important, and often under-appreciated. Nathan discusses how determining what is important to you and acting on it with a sense of urgency makes all the difference when executing your financial plan. Also on MoneyTalk, the importance of time in the market, and a historical perspective on inflation and interest rates.

Host: Nathan Beauvais, CFP®, CIMA®; Air Date: 12/8/2023.

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With gold hitting an all time high, it might be tempting to attribute its rise to an inverse relationship to inflation or the stock market, but the data tells a different story, and if you are looking for protection from these market forces it may not be your best bet. Nathan explains why gold should not be used as a hedge against inflation or market volatility. Also, our MoneyTalk Moment in Financial History takes us back to the early days of the stock market when the Wall Street elite colluded to keep fixed commissions on trades.

Hosts: Steven Beauvais & Nathan Beauvais CFP®, CIMA®; Air Date: 12/6/2023.

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