Épisodes

  • The 3 Phases of Retirement

    The 3 Phases of Retirement
    Aug 15 2025
    Retirement has the potential to make up 1/3 of your life, so naturally your experience will change as you pass through its various phases. Nathan discusses how we evolve through the three phases of retirement, and what we can do to prepare ourselves along the way. Also, on our MoneyTalk Moment in Financial History Nathan and Daniel tell the story of Alexander Hamilton and The Whiskey Rebellion. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 8/13/2025; Original Air Date: 6/26/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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    41 min
  • Tax Smart Withdrawals

    Tax Smart Withdrawals
    Aug 14 2025
    How you choose to draw on your retirement assets can make a big difference in your overall tax liability, so unless you’re feeling charitable towards the US government, having a strategy is critical. Donna and Nathan discuss the order in which you withdraw from your retirement accounts, and some actions you can take in the years leading up to retirement to help you benefit from more of your hard earned income. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 8/12/2025; Original Air Date: 6/20/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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    41 min
  • 2025 IRA Rules

    2025 IRA Rules
    Aug 13 2025
    IRAs are one of the topics that we are consistently asked about, partly because the rules change so frequently, but also because of the steep penalties the IRS puts in place to enforce those rules. Donna takes us through some of the most frequently asked IRA questions, including: What are the current contribution limits? How long can I continue to contribute? How does an IRA differ from a 401(k)? And more. Also on MoneyTalk, developing your distribution strategy, and retirement expectations vs reality. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/11/2025; Original Air Dates: 7/24/2023 & 7/14/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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    42 min
  • What is Money?

    What is Money?
    Aug 12 2025
    For as long as we’ve had written history, money has held three important functions in our society: as a medium of exchange, a unit of account, and a store of value. But that last function has come under pressure over time due to the presence of inflation. Nathan discusses how our understanding of money has evolved over the millennia, and why it matters for our future. Also on MoneyTalk, what to look for when researching mutual funds. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 8/8/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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    42 min
  • Statistically Speaking

    Statistically Speaking
    Aug 11 2025
    Mark Twain famously said, “There are lies, damn lies, and statistics“, and while it’s true that numbers are often used creatively to benefit one party or another, statistics are one of the primary tools of a functioning society. Donna and Nathan walk us through some of the critical elements of our daily lives that rely on statistics, and why the firing of the head of the Bureau of Labor Statistics has garnered so much negative attention. Also on MoneyTalk, lessons from famed investor, Ray Dalio, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/7/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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    42 min
  • The Iranian Oil Crisis

    The Iranian Oil Crisis
    Aug 11 2025
    There are few periods in the 20th century that were more impactful to the global economy than the Iranian oil crisis and the revolution that followed. On this edition of our MoneyTalk Moment in Financial History, Nathan and Daniel tell the story of how Iran seized control of their oil industry from the British, and the ripple effects that it caused across the globe. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 8/6/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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    42 min
  • 401(k) Blunders

    401(k) Blunders
    Aug 7 2025
    Back when most people earned pensions, retirement planning was pretty straightforward, but as soon as the 401(k) shifted the responsibility to the worker, mistakes were inevitable. Donna and Nathan cover some of the common mistakes they see people make with their 401(k). Also on MoneyTalk, saving for your non-retirement needs, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/5/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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    42 min
  • Avoiding Bull Market Euphoria

    Avoiding Bull Market Euphoria
    Aug 6 2025
    We all know the dangers of making emotional investment decisions when markets are in turmoil, but it’s easy to forget that our emotions can also lead us astray when times are good. Donna discusses how bull markets can create a false sense of security for investors and lead to bad decision making. Also on MoneyTalk, preparing yourself mentally for retirement, and paying taxes in retirement. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/4/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

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    42 min