Don Sowa's MoneyTalk

Even investors with general knowledge of how IRAs function can often be tripped up by the shifting rules and limits. Donna and Nathan take us back to basics to talk IRAs, and how to take advantage of the benefits while avoiding the penalties.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais EA, CFP®; Air Date: 11/11/2022

See omnystudio.com/listener for privacy information.

For a 1970s middle class with few options for risk free return, the birth of the money market was a critical turning point. Nathan talks about how the money market circumvented outdated regulations to bring the middle class into the investor class. Also, Nathan brings back Greg Young from Ahead Full Wealth Management to discuss some simple but powerful strategies offered in Nick Maggiulli’s book “Just Keep Buying“.

Hosts: Nathan Beauvais EA, CFP® & Greg Young, EA, CFP®, MSAFP®; Air Date: 11/10/2022

See omnystudio.com/listener for privacy information.

On MoneyTalk we try to do our part to contribute to the financial literacy of our listeners, but occasionally we like to step outside the world of money and finance to raise awareness for other important issues facing our community. Nathan speaks with LA Busteed and Christopher Margadonna from Mentor RI about the important work they are doing connecting Rhode Island’s youth with volunteers looking to make a positive impact on their lives.

Host: Nathan Beauvais EA, CFP®; Guest Hosts: LA Busteed & Christopher Margadonna; Air Date: 11/4/2022

See omnystudio.com/listener for privacy information.

We all know staying invested through a bear market takes discipline, but a little bit of pespective can also go a long way. Steve and Nathan offer some facts and strategies that can help make the bear market a bit more bearable. Also, our MoneyTalk Moment in Financial History takes us back to the moment when revolving debt first took root in our nation and forever changed the way we spend, the story of BankAmericard.

Hosts: Steven Beauvais & Nathan Beauvais EA, CFP®; Air Date: 11/2/2022

See omnystudio.com/listener for privacy information.

The final few years before retirement bring about an enhanced sense of urgency around those outstanding retirement planning questions you've yet to fully address. Donna and Nathan discuss some common questions people ask on the run-up to retirement, including: Do I have enough saved? What do I do if my portfolio has too much risk but its a bad time to sell? How much of my retirement income will be guaranteed? How much will my long term care cost? And more.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais EA, CFP®; Air Date: 11/1/2022

See omnystudio.com/listener for privacy information.

IRAs are known best for their various tax benefits, but they also carry some steep penalties for those who are not attentive to the rules. Donna discusses some of the most costly and easily avoidable mistakes that IRA holders often make, and some year end tax planning tips to limit

Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 10/31/2022

See omnystudio.com/listener for privacy information.

Retirement is risky business, and planning for those risks is critical if you have any hope of meeting your retirement goals. Donna and Nathan discuss longevity risk, inflation risk, tax rate risk and more.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais EA, CFP®; Air Date: 10/27/2022

See omnystudio.com/listener for privacy information.

Most of us pay the majority of our taxes as ordinary income, the highest possible tax rate, but it may surprise you to learn that couples making less than $83k annually qualify to pay 0% capital gains taxes on certain types of investment income. Steve and Nathan discuss ways to capitalize on capital gains tax rules. Also, our MoneyTalk Moment in Financial History profiles Charles Schwab and the contributions he made to retail investing.

Hosts: Steven Beauvais & Nathan Beauvais EA, CFP®; Air Date: 10/26/2022

See omnystudio.com/listener for privacy information.

It is officially Medicare election season, and this time of year we like to refresh our Medicare eligible listeners on the facts that they need to know. Donna brings in Medicare specialist Nick Pacheco, founder of Independent Benefit Solutions, to discuss what is covered by Medicare Parts A, B and D, what common needs are not covered, and how to determine if a supplemental plan is right for you.

Hosts: Donna Sowa Allard, CFP®, AIF®, Nathan Beauvais EA, CFP® & Nicholas Pacheco, CLTC®; Air Date: 10/25/2022

See omnystudio.com/listener for privacy information.

When things aren't going our way it is natural to want to take action, but history tell us that those who sell in the midst of a bear market are more than likely to miss the key period of recovery that follows. Steve and Nathan update us on the state of the markets, and Donna offers some historical data on investing through bear markets, describes how markets tend to react around mid term elections, and offers some encouraging stats for those steadfast market participants. Hosts: Steven Beauvais, Nathan Beauvais EA, CFP® & Donna Sowa Allard, CFP®, AIF®; Air Date: 10/19/2022

See omnystudio.com/listener for privacy information.