Don Sowa's MoneyTalk

The passing of the SECURE Act 2.0 by Congress represents a major win for retirement investors, with changes including mandatory auto enrollment for 401(k) plans, a reduction in RMD penalties, and enhanced Roth options, to name a few. Donna and Nathan discuss the details of these changes and who they benefit most. Also, our MoneyTalk Moment in Financial History continues the story of Standard Oil and the fall of the first great monopoly.

Hosts: Donna Sowa Allard, CFP®, AIF®, Nathan Beauvais EA, CFP®, CIMA® & Daniel Sowa; Air Date: 1/4/2023

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No one has a crystal ball (or at least one that works), and we’re no different, but to kick off the year we’re taking a look at where consensus lies for market expectations, and which analysts are deviating from the opinions of their peers. Donna reviews stock and bond market predictions from top industry experts, and covers some of the important changes effecting retirement plans this year from the recently passed SECURE Act 2.0.

Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 1/3/2023

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Much of the world of investing is complex and technical, but a whole lot of it is just common sense, and investors too often find themselves overly focused on the technicals while ignoring the biases that can cloud their judgment. Donna and Nathan discuss some behavioral finance concepts that can help to explain, and hopefully prevent, our most common investing mistakes.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais EA, CFP®, CIMA®; Air Date: 12/30/2022

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The older you get, the more critical diversification is to your portfolio suitability. Steve and Nathan discuss the various layers of diversification and how to apply them to find your ideal level of investment risk. Also, on our MoneyTalk Moment in Financial History Nathan and Daniel tell the story of the rise of the world’s first major monopoly, John D Rockefeller’s Standard Oil.

Hosts: Steven Beauvais, Nathan Beauvais EA, CFP®, CIMA® & Daniel Sowa; Air Date: 12/28/2022

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The markets appear to be ending the year with a whimper, and many are eager to put 2022 in the rear view mirror. Nathan gives his year end recap, taking us through the bumpy road we’ve traveled in consumer pricing, housing, interest rates and market volatility, and what to watch for in the new year ahead.

Host: Nathan Beauvais EA, CFP®, CIMA®; Air Date: 12/27/2022

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Financial Planning and investment management are too often approached separately, but to develop an investment management strategy without a fleshed out financial plan is a bit like putting the cart before the horse. Donna and Nathan talk about the the ways your financial plan creates a foundation for the management of your portfolio, and offer their guide for tipping during the holidays.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais EA, CFP®, CIMA®; Air Date: 12/22/2022

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Often when people feel behind on their retirement savings, the hardest part can be getting started. Donna offers some best practices for those playing retirement catch-up, and discusses debt consolidation options.

Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 12/19/2022

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For most of us our income picture is pretty simple, it typically comes from one place and is taxed at the highest rate. But for retirees, the many potential sources of income can vary greatly, which is why having a thoughtful retirement income strategy is imperative. Donna and Nathan go through various types of retirement income, explaining their different tax treatments and how they can work in concert to your benefit.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais EA, CFP®, CIMA®; Air Date: 12/15/2022

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The Fed has become somewhat of a four letter word lately as they work to curb inflation by slowing the economy, but how did a non-government organization come to wield this level of control over the lives of Americans in the first place? On this week's MoneyTalk Moment in Financial History, Nathan explores the creation of the Federal Reserve, and its evolving role in maintaining the stability of the US economy.

Host: Nathan Beauvais, EA, CFP®, CIMA®; Air Date: 12/14/2022

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Social Security is the number one most frequently asked topic from our clients and listeners, and this is largely due to fluid nature of the program rules and features. Donna and Nathan address social security claiming strategies and legislation currently on the docket, and explore the debate on active vs. passive investing.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, EA, CFP®, CIMA®; Air Date: 12/13/2022

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