When you were first hired at your job, you may have been given a brief overview of your workplace retirement account that got buried in your new-hire documents, but each type of retirement account carries its own unique features and benefits that are important to understand. Nathan discusses the different types of employer sponsored plans, and how to use them to their full advantage. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel tell the story of how Standard Oil shaped American industry, and sparked the birth of modern antitrust law.

Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa;  Air Date: 10/1/2025; Original Air Dates: 1/4/2023 & 8/2/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!

Weekdays
7p-8p

Moneytalk’s content is for informational purposes only and should not be construed as investment advice or a recommendation. Please consult your financial professional for your individual situation. Securities and advisory services offered through Commonwealth Financial Network®, Member www.FINRA.org + www.SIPC.org, a Registered Investment Adviser. Additional advisory services offered through Sowa Financial Group, Inc are separate and unrelated to Commonwealth.

Sowa Financial Group Inc.

24 Albion Rd. Ste. 340

Lincoln, RI 02865

(401) 434-8090

Weekdays 7p-8p
Moneytalk’s content is for informational purposes only and should not be construed as investment advice or a recommendation. Please consult your financial professional for your individual situation. Securities and advisory services offered through Commonwealth Financial Network®, Member <a href="http://www.FINRA.org">www.FINRA.org</a> + <a href="http://www.SIPC.org">www.SIPC.org</a>, a Registered Investment Adviser. Additional advisory services offered through Sowa Financial Group, Inc are separate and unrelated to Commonwealth.
Sowa Financial Group Inc.
24 Albion Rd. Ste. 340
Lincoln, RI 02865
(401) 434-8090

Don Sowa's MoneyTalk

The MoneyTalk team is back with original programming every weeknight at 7pm on WPRO. To listen any time, hear our latest episodes below, or subscribe to "Don Sowa's MoneyTalk" wherever you get your podcasts!

The MoneyTalk team is back with original programming every weeknight at 7pm on WPRO. To listen any time, hear our latest episodes below, or subscribe to "Don Sowa's MoneyTalk" wherever you get your podcasts!

Getting to Know Your Workplace Retirement Plan

Starting in 2026, higher income workers over 50 are required to make 401k catchup contributions on a Roth basis, one of the more controversial provisions of the SECURE Act 2.0. Donna discusses how this change reduces the potential for tax deferred growth for those affected while increasing government revenue, and some of the likely implementation hurdles. Also, on MoneyTalk, considerations for the year leading up to retirement. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 1/12/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!

Starting in 2026, higher income workers over 50 are required to make 401k catchup contributions on a Roth basis, one of the more controversial provisions of the SECURE Act 2.0. Donna discusses how this change reduces the potential for tax deferred growth for those affected while increasing government revenue, and some of the likely implementation hurdles. Also, on MoneyTalk, considerations for the year leading up to retirement. Host: Donna Sowa Allard, CFP&reg;, AIF&reg;; Air Date: 1/12/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!

Playing Catchup Just Got Harder

Inheriting money from a spouse is a pretty straightforward process, but when money is passed down from parents or other family members, the rules get a bit more complicated. Donna and Nathan discuss the process of distributing assets from a non-spousal inheritance. Also, on MoneyTalk, Stock Trivia: Battle of the Sowas. —Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features, and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index annuity for its features, costs, risks, and how the variables are calculated. — Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 1/6/2026; Original Air Date: 7/1/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!

Inheriting money from a spouse is a pretty straightforward process, but when money is passed down from parents or other family members, the rules get a bit more complicated. Donna and Nathan discuss the process of distributing assets from a non-spousal inheritance. Also, on MoneyTalk, Stock Trivia: Battle of the Sowas. &mdash;Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features, and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index annuity for its features, costs, risks, and how the variables are calculated. &mdash; Hosts: Donna Sowa Allard, CFP&reg;, AIF&reg; &amp; Nathan Beauvais, CFP&reg;, CIMA&reg;, CPWA&reg;; Air Date: 1/6/2026; Original Air Date: 7/1/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!

Inherited IRA Withdrawal Rules

Retirement planning is mainly focused on the math, but there is much more to aging than surviving financially, and today’s advisors are taking a more holistic approach to serving their senior clients. Donna discusses how longevity planning is providing a more comprehensive solution to the needs of the retirement community. Also, on MoneyTalk, hurdles you may face during your first year of retirement. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 1/5/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!

Retirement planning is mainly focused on the math, but there is much more to aging than surviving financially, and today&rsquo;s advisors are taking a more holistic approach to serving their senior clients. Donna discusses how longevity planning is providing a more comprehensive solution to the needs of the retirement community. Also, on MoneyTalk, hurdles you may face during your first year of retirement. Host: Donna Sowa Allard, CFP&reg;, AIF&reg;; Air Date: 1/5/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!

Getting to Know Your Workplace Retirement Plan

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