Don Sowa's MoneyTalk

By Cumulus ProvidenceBusiness

Don Sowa's MoneyTalk episodes

September 06, 2023 Investing Beyond Your Company Match
You don’t have to be a financial expert to understand why maxing out your company’s 401K match is a good idea, but where you choose to invest your money beyond that can be a trickier question to answer. Donna and Nathan discuss how to best contribute to your retirement savings once you’ve maxed out your company match. Also on MoneyTalk, how Ray Dalio built one of the most successful hedge funds in history.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 8/31/2023.
Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!
See omnystudio.com/listener for privacy information.
42 min
September 05, 2023 The Case for Fixed Annuities
Annuities have developed a reputation over the years for being oversold due to their high fees and commissions, but one particular type of annuity, the fixed annuity, hasn’t had this problem, and due to the high rate environment we find ourselves in, they are having a moment. Steve and Nathan offer some strategies for individuals looking for guaranteed income with fixed immediate annuities. Also, on our MoneyTalk Moment in Financial History, the hosts take us back to the early days of the NYSE when fixed commissions stifled competition and forced high prices on investors.

Hosts: Steven Beauvais & Nathan Beauvais CFP®, CIMA®; Air Date: 8/30/2023.
Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!
See omnystudio.com/listener for privacy information.
43 min
September 01, 2023 Money Matters That Keep You Up At Night
Money decisions have a way of haunting us, particularly because many of life's curve balls have a direct impact on our finances. Donna and Nathan discuss financial planning issues that tend to keep people up at night, including outliving your money, potential long-term care needs, financial clutter, when to take social security, and more.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 8/29/2023.
Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!
See omnystudio.com/listener for privacy information.
43 min
August 30, 2023 Will Social Security Survive?
Without congressional reform, the Social Security trust fund which finances its payments is scheduled to be depleted by 2033, and maybe sooner due to our aging population. Donna discusses how this could impact the next generation of retirees and what the government can do to avoid a new retirement income crisis.

Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/28/2023.
Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!
See omnystudio.com/listener for privacy information.
42 min
August 28, 2023 Investing With a Short Time Horizon
The amount of time you have from now until the day you retire is arguably the most important factor in determining your investment strategy, and with a short time horizon your allocation recommendations may vary broadly due to the unique market conditions we find ourselves in. Donna and Nathan discuss how to approach your investment strategy if you are closing in on your retirement date. Also on MoneyTalk, how the Roth 5 year rule applies to your situation.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 8/24/2023.
Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!
See omnystudio.com/listener for privacy information.
42 min
August 25, 2023 Finding the Right Hedge
Bonds historically have been a good hedge against stock market risk, but during periods of rising inflation, fixed income tends to get punished, leaving investors searching for alternatives. Nathan discusses using precious metals as part of a hedging strategy in your portfolio. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel take us back to the time of FDR, with insight into his unprecedented package of sweeping reforms: The New Deal.

Host: Nathan Beauvais CFP®, CIMA®; Guest: Daniel Sowa; Air Date: 8/23/2023.
Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!
See omnystudio.com/listener for privacy information.
42 min
August 25, 2023 Inheriting Some Big Decisions
When receiving an inheritance it can be life changing, but it can also be a major responsibility that you may not be prepared for. Donna and Nathan discuss the decisions that go into the placement and distribution of inheritance money. Also on MoneyTalk, the power of collaborative family budgeting,

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 8/22/2023.
Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!
See omnystudio.com/listener for privacy information.
42 min
August 23, 2023 SEP vs SIMPLE IRAs & Medicare Mishaps
For small business owners, administering a SEP or SIMPLE IRA can be as important to your future retirement viability as it is to your ability to attract quality talent. Donna talks about the factors you should consider when deciding to use a SEP or SIMPLE IRA. Also on MoneyTalk, Medicare enrollment strategies and common mistakes to avoid.

Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/21/2023.
Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!
See omnystudio.com/listener for privacy information.
42 min
August 18, 2023 Are REITs Right For You?
Real estate is the only asset class that has historically produced returns comparable to equities, and one way to gain passive exposure is through REITS. Steve and Nathan discuss the pros and cons of generating income with real estate investment trusts. Also, our MoneyTalk Moment in Financial History tells the story of how the Great Depression came to pass, and some of the lessons we’ve learned from it.

Hosts: Steven Beauvais & Nathan Beauvais CFP®, CIMA®; Guest: Daniel Sowa; Air Date: 8/16/2023.
Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!
See omnystudio.com/listener for privacy information.
43 min
August 17, 2023 Closing In On Retirement
There are far too many things we should be thinking about when nearing retirement, and how you approach that challenge is where the final act of your story is written. Donna and Nathan discuss the different questions you should ask yourself in that last 5 to 10 years leading up to retirement.
*This is intended strictly for educational purposes only and is not a recommendation for or against cryptocurrency.*
Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 8/14/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!
See omnystudio.com/listener for privacy information.
43 min