Don Sowa's MoneyTalk

We talk often about the importance of understanding how our psychology can lead us to inconsistent feelings and behaviors when it comes to money. Donna and Nathan discuss contradictions in consumer perceptions of fairness in business practices, and address some listener questions on how derivatives work, and the process of vetting a new financial advisor.

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

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

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Life insurance is most important to have for middle aged adults, but there are specialized types of life insurance that are designed for people both young and old that can make a meaningful impact during challenging times. Donna explains how life insurance for children and for long term care have grown in popularity, and discusses the universal importance of social security to public welfare.

Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 4/3/2023.

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

See omnystudio.com/listener for privacy information.

On MoneyTalk we strive to bring you a diversity of topics and opinions on the world of money and finance. On todays show, Nathan talks with Nick Maggiulli, COO and Data Scientist at Ritholtz Wealth Management and author of the book, “Just Keep Buying”, to discuss various topics of interest, including: how to spend money guilt free, using debt to your advantage, the benefits of buying in a down market, and how concentration risk led to the crash of Silicon Valley Bank.

Host: Nathan Beauvais, EA, CFP®, CIMA®; Guest: Nick Maggiulli, COO Air Date: 3/31/2023.

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

See omnystudio.com/listener for privacy information.

Retirement planning requires you to make a lot of assumptions, like how much money you’ll need to live on, and how much return on your investments you’ll require to reach your goals, but what happens when the market takes a hit in your final working years? Donna and Nathan discuss how advisors account for deviations in your plan assumptions to mitigate market risk as you approach retirement, and explain how to filter out bad financial advice on social media.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, EA, CFP®, CIMA®; Air Date: 3/30/2023.

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

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The Great Depression is one of the most well known periods in American history, but nearly 100 years later, the cause of the depression is still hotly contested. On this edition of our MoneyTalk Moment in Financial History, Nathan and Daniel discuss the circumstances leading up to The Great Depression, and the economic fallout that changed the country forever.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, EA, CFP®, CIMA®; Guest: Daniel Sowa; Air Date: 3/29/2023.

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

See omnystudio.com/listener for privacy information.

People often think of financial advisors for their retirement expertise, but there are many other pivotal financial decisions that we face throughout life where professional guidance can make a world of difference. Donna and Nathan talk about some of the important non-retirement needs where advisors can provide the most value, and discuss the pitfalls of “sunk cost bias” on investors.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, EA, CFP®, CIMA®; Air Date: 3/28/2023.

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

See omnystudio.com/listener for privacy information.

It may come as a surprise to hear that everyone has an estate plan, and if you haven’t set one up formally, the future of your estate is dictated by the laws of the state in which you live. Steve and Nathan bring on estate planning expert and long time friend of MoneyTalk, Paul Brule, from Brule, Nault & Hainley, P.C., to share some of the more misunderstood and consequential facts that you need to know about estate planning, and how to ensure that your intentions are met.

Hosts: Steven Beauvais & Nathan Beauvais, EA, CFP®, CIMA®; Guest: Paul Brule; Air Date: 3/24/2023.

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

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A growing number of couples are choosing to file married filing separately on their taxes for a variety of reasons. Donna and Nathan discuss the factors driving this trend, as well as the reasons why it may not be right for everyone. Also, our MoneyTalk Moment in Financial History covers the speculative boom that led to the birth of the oil industry in America.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, EA, CFP®, CIMA®; Guest: Daniel Sowa; Air Date: 3/22/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!

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Donna and Nathan continue to address listener questions, including: the relative size of the recent bank failures, the debate over ESG investing, and considerations around roth vs traditional retirement account savings strategies.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, EA, CFP®, CIMA®; Air Date: 3/21/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk-radio to join the conversation!

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We love hearing from our listeners, and the recent news has led to an influx of questions about how these events could affect their finances. Donna answers some of your pressing questions, including: what makes AT-1 bonds unique and why the Credit Suisse bonds were written down, how FDIC insurance works on trust accounts, and what we can expect the Federal Reserve to do with interest rates at their upcoming meeting.

Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 3/20/2023

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

See omny.fm/listener for privacy information.