Don Sowa's MoneyTalk

What do you think the market will do next year? What's your opinion on crypto? Are we headed back to the 1980s with interest rates? If you are a financial advisor you are probably used to fielding (or dodging) these kinds of questions at social events. Donna and Nathan prepare financial industry listeners for the upcoming slate of holiday parties by answering some of these commonly asked questions. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, EA, CFP®

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There has been a historic divergence in recent years between the performance of domestic and international stocks, with the US far outperforming their overseas counterparts. Steve discusses the forces behind this trend and whether we should we expect a reversion to the mean as market cycles progress. Host: Steven Beauvais

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Since 2020, millions of Americans found that their home had also become their workplace, and a growing number of them have taken advantage of tax deductions that the IRS has made available specifically for this situation. Nathan discusses some of the key features and exclusions of the IRS home office deduction and offers resources to help you determine if it makes sense for you. Host: Nathan Beauvais, EA, CFP®

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Some people invest solely to make a profit, some invest in companies that they think will make a positive impact on the world; ESG investors seek to achieve both. Don digs into environmental, social and corporate governance investments and explains why they are becoming more and more popular. Host: Donald Sowa, CFP®, AIF® *Investments are subject to risk, including the loss of principal. Environmental, social, and governance (ESG) criteria are a set of non-financial principles and standards used to evaluate potential investments. The incorporation of ESG principles provides a qualitative assessment that can factor heavily into the security selection process. The investment’s socially responsible focus may limit the investment options available to the investor. Past performance is no guarantee of future results.

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Many expected the meme stock revolution to fizzle over time, but the success of these fractional share investors to band together and tilt the scales away from the Wall Street elite has proven so effective that an ETF has been launched to capitalize on the trend. Donna and Nathan talk about this evolution of social investing and the issues that this new index may present. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, EA, CFP®

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Automated trading platforms like Robinhood have motivated a whole generation of new investors to enter the markets, and many older investors have begun to wonder if they need their advisor at all. Steve and Nathan discuss the types of individuals who tend to benefit most from the financial professional relationship, and those for whom the DIY approach might make more sense. Hosts: Steven Beauvais & Nathan Beauvais, EA, CFP®

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IRAs, Roths, 401Ks, 403Bs, defined benefit plans·with numerous different types of retirement accounts, each with its own unique features and rules, its not surprising that many feel out of their depth when it comes to retirement planning. Don and Donna Grace take some time to cover the important facts to know about these retirement tools. Hosts: Donald Sowa, CFP®, AIF® & Donna Sowa Allard, CFP®, AIF®

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In a booming Real estate market, property ownership seems like a winning investment. But real estate carries a unique set of risks that must be factored in when weighing its value as an investment. Donna and Nathan debate the question, should we think of real estate as an investment? Hosts: Donna Sowa Allard, CFP, AIF & Nathan Beauvais, EA, CFP

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As much as the nation feared a market crash amid the pandemic of 2020, it never came close to bear market levels. In this week·s MoneyTalk Moment in Financial History, Steve and Nathan talk about the two most recent bear markets from 2000 and 2008, and the extreme market conditions that preceded them. Hosts: Steven Beauvais & Nathan Beauvais, EA, CFP®

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This week was annual Giving Tuesday where Americans focus on giving back to charity, and giving a little less to the IRS while they’re at it. Don and Donna Grace talk about the benefits of using charitable giving to boost your tax deductions ahead of year end. Hosts: Donald Sowa, CFP®, AIF® & Donna Sowa Allard, CFP®, AIF®

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