Don Sowa's MoneyTalk

The average credit score has seen marked improvement since the height of the pandemic, but high interest debt continues to be a major problem in America. Donna and Nathan discuss credit score management through responsible debt practices, and how to stay on track with your investment strategy when the markets seem to be working against you.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, EA, CFP®, CIMA®; Air Date: 4/20/2023.

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With tax time officially behind us, we’ve taken an inventory of the top tax questions we receive from listeners, and some of the most frequently asked questions have to do with tax deductions vs tax credits. Nathan and Steve discuss the important differences between deductions and credits, offering common examples of each. Also on MoneyTalk, Nathan encourages current and aspiring financial professionals to attend The Future of Finance event being held this Saturday, April 22nd, from 10:00AM to 6:30 PM at the Waterfire Arts Center in Providence. Register today at https://www.eventbrite.com/e/future-of-finance-conference-tickets-563587444217.

Hosts: Steven Beauvais & Nathan Beauvais EA, CFP®, CIMA®; Air Date: 4/19/2023.

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People often don’t make an effort to understand issues around finance until they are directly affected by them. Donna and Nathan explain some often misunderstood finance topics, including the influence of the Fed, how your credit score works, responsible budgeting practices, what is the right age to retire, and much more.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, EA, CFP®, CIMA®; Air Date: 4/18/2023.

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We are living in a time of volatility, inflation, and rising interest rates, and these are just a few of the risks that investors have to navigate every day. Donna discusses how to balance the many risks we have to consider against your goals when crafting your retirement plan, best practices for last minute tax filers, and strategies for paying down high interest credit card in a rising rate environment.

Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 4/17/2023.

Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!

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DIY investing is not for the faint of heart, but if you are intent on trying your hand in the world of money management, there are some important concepts that you’ll need to grasp to help guide your decision making. Nathan takes us through 4 need-to-know principles of investing for those attempting to brave the markets on their own, including: dollar cost averaging, risk and return, asset allocation, and diversification.

Host: Nathan Beauvais, EA, CFP®, CIMA®; Air Date: 4/14/2023.

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One of the first lessons you learn in Investing 101 is the value of diversification, but this concept is far from simple, and depending on your investor profile, the way you diversify can vary greatly. Steve and Nathan discuss the different diversification strategies of investors at various stages in life. Also, our MoneyTalk Moment in Financial History takes a global view of the history of the oil industry.

Hosts: Steven Beauvais & Nathan Beauvais EA, CFP®, CIMA®; Air Date: 4/12/2023.

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Donna and Nathan discuss how to determine what you should be paying for financial advice, what is driving people to drain their retirement accounts to support their adult children, and what jobs are most threatened by the emergence of AI platforms like Chat GPT.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, EA, CFP®, CIMA®; Air Date: 4/11//2023.

Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!

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For 32 years it has been the mission of MoneyTalk to promote financial education, and nowhere is this more important than in the development of our youth community. Nathan brings on Lee Lewis, President of Junior Achievement of Rhode Island, to discuss their efforts and how they are taking a proactive role in providing the next generation with opportunities for real world knowledge and experience.

Host: Nathan Beauvais, EA, CFP®, CIMA®; Guest: Lee Lewis; Air Date: 4/7/2023.

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Unless Congress acts, Social Security is on track to be underfunded by 2035, and a major reason they haven’t is the restrictions built into the program to get it passed under The New Deal. Donna and Nathan discuss the unique challenges of Social Security reform, and some common (and not so common) examples of passive income.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, EA, CFP®, CIMA®; Air Date: 4/6/2023.

Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!

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The tax filing deadline is fast approaching, and those procrastinators out there may be scrambling to get their returns finalized. Steve and Nathan discuss the process of filing a tax extension, cover some of the rules on tax deductions, and describe the different 1099s you may have received. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel talk about the monumental impact of The New Deal enacted under FDR.

Hosts: Steven Beauvais & Nathan Beauvais EA, CFP®, CIMA®; Guest: Daniel Sowa; Air Date: 4/5/2023.

Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!

See omnystudio.com/listener for privacy information.