The Health Savings Account is what is known as a tax unicorn, combining some of the key tax benefits of both tax deductible and tax deferred accounts, so if your employer offers an HSA as part of your benefits package you should strongly consider it. Donna and Nathan discuss how to use the HSA to its full benefits. Also, on our MoneyTalk Moment in Financial History we discuss one of the earliest and most consequential financial bubbles of all time, The South Sea Bubble.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 12/11/2024; Original Air Dates: 2/15/2024 & 7/24/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

Taking Advantage of Your HSA

Options trading is typically reserved for the highly skilled investor, however employee stock options are one exception, and many who own them lack a clear understanding of how they really work. Nathan discusses some different types of employee stock options and how to navigate their rules and features. Also on MoneyTalk, principles of investing from David Rubinstein‘s book, “How to Invest: Masters on the Craft”.

Host: Nathan Beauvais, CFP®, CIMA®;  Air Date: 12/6/2024; Original Air Dates: 5/17/2023 & 6/9/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

Employee Stock Options Explained

The two most common types of IRAs are Traditional and Roth IRAs, and knowing how to use each appropriately requires an understanding of their differences. Donna and Nathan discuss the rules and features of Traditional IRAs and Roth IRAs, and who each is appropriate for. Also on MoneyTalk, the Roth 5 year rule, and Sowa Sibling Stock Trivia.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 12/5/2024; Original Air Date: 1/23/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

Traditional vs. Roth IRA 

The great Notorious B.I.G. once said, “Mo money, mo problems”, and while some of us may scoff at this as something only something rich people say, it is true that many of the worlds wealthiest people do not consider themselves happy. Donna and Nathan discuss this and other lessons offered by writer, Ben Carlson, in his blog post, “17 Thoughts About Money”. Also, on our MoneyTalk Moment in Financial History we discuss how the idea of Manifest Destiny transformed America during the California Gold Rush.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 12/4/2024; Original Air Date: 10/18/2023 & 2/15/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

Can Money Buy Happiness?

One of the most well known retirement planning rules of thumb is the 4% rule, which states that the average person can withdraw up to 4% of their portfolio per year in retirement, adjusted for inflation, without running out of money. Donna and Nathan discuss the thought process and inherent flaws of this theory. Also on MoneyTalk, and Stock Trivia: Two Truths and a Lie.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 12/3/2024; Original Air Date: 1/18/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

Is It Time To Bury The 4% Rule?

Since the early days of MoneyTalk, Don Sowa has said that investing doesn’t have to be complicated, and a successful money management strategy starts with focusing on the basics. Donna brings us back to the basics of investing, answering some common questions such as: How much do you need to start investing? And, where should you invest your money when starting out? Also on MoneyTalk, the upcoming Roth conversion deadline.

Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 12/2/2024; Original Air Dates: 4/8/2024 & 7/23/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

Back 2 Basics: Investing

We all engage in financial planning at some level, but many of us tend to focus on the numbers without consideration for how our values should factor into our money decisions. Donna and Nathan take us through the step by step process of building a financial plan, and how to ensure that your efforts are focused on nurturing the parts of your life that are most important to you.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 11/29/2024; Original Air Date: 11/22/2022. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

Personalizing Your Plan

Once you turn 50, you enter a new phase of working life where the window begins closing for you to make decisions that will have a meaningful impact on your retirement. Donna and Nathan discuss some of the challenges and concerns that you may expect to face in your 50s, and strategic moves you can make to put you in the best possible footing for retirement. Also on MoneyTalk, and Stock Trivia: Two Truths and a Lie.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 11/26/2024; Original Air Date: 5/23/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

Financial Planning in Your 50s

When we plan for retirement, we tend to spend the majority of our time thinking about money, but research shows that there is much more to a happy retirement than dollars and cents. Nathan interviews Morningstar columnist Christine Benz, author of âHow to Retire: 20 Lessons for a Happy, Successful and Wealthy Retirementâ, to discuss perspectives from thought leaders on what contributes to a truly successful retirement.

Host: Nathan Beauvais, CFPÂ®, CIMAÂ®; Special Guest: Christine Benz, Morningstar; Air Date: 11/22/2024; Original Air Date: 11/1/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

How to Retire Happy

During this holiday season, if you are planning on giving monetary gifts to your loved ones, it is important that you do so as part of an overall gifting strategy. Donna and Nathan discussed annual and lifetime gift tax limits, and how to properly record your activity with the IRS. Also on MoneyTalk, managing competing goals, and Stock Trivia: Two Truths and a Lie.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 11/21/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

The Season of Gifting

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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!

Don Sowa's MoneyTalk

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