Retirement accounts are among the most complicated types of inherited assets because the rules vary based on the recipient, and they are frequently targeted for reform. Nathan discusses the unique rules around BDA IRAs, and related tax strategies. Also on our MoneyTalk, part 2 of our retrospective on the US banking system prior to the Federal Reserve.

Host: Nathan Beauvais CFP®, CIMA®, CPWA®;  Air Date: 10/28/2026. 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!

Navigating Inherited IRA Rules

Anthropic recently secured the largest artificial intelligence infrastructure financing deal to date, the latest gamble among a trend of circular financing arrangements propping up the AI tech giants. Nathan highlighted the immense risk companies are taking on to meet the capacity needs of the frontier AI labs, and whether we should be concerned. Also on MoneyTalk, the surge in buy now/pay later loans, and Stock Trivia: Battle of the Sowas.

Host: Nathan Beauvais CFP®, CIMA®, CPWA®;  Air Date: 10/27/2026. 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!

The Bet to Buildout AI

That 10 year stretch of time leading up to retirement is a critical period when your strategic retirement plan gets accelerated to get you to your goal, and how you choose to focus your efforts and resources will make all the difference. Donna runs through 10 questions you should be asking yourself when planning for your final approach to retirement. 

Host: Donna Sowa Allard, CFP®, AIF®;  Air Date: 10/26/2026; Original Air Date: 9/23/2024. 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!

The Final Approach to Retirement

The traditional 60/40 portfolio has been disrupted over recent years by the increased correlation between stocks and bonds, driving investors to asset classes like commodities for diversification. Nathan speaks with Dan Cole, Principal at Quantix Commodities, to dig into how futures contracts function, how different types of commodities respond to inflation, and how they can fit into your portfolio.

Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Dan Cole, Quantix Commodities;  Air Date: 10/23/2026; Original Air Date: 7/31/2026. 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!

Diversifying with Commodities

Bank runs, financial panics, and battles over who controls the nation’s money—this was the status quo for the American banking system before the Federal Reserve. On this edition of our MoneyTalk Moment in Financial History, we explore the crises and controversies that shaped our financial system and ultimately led to the Fed’s creation in 1913. Also on MoneyTalk, understanding the different credentials and licenses that advisors carry, and why they matter.

Host: Nathan Beauvais CFP®, CIMA®, CPWA®;  Air Date: 10/21/2026 Original Air Date: 6/9/2023 & 1/11/2023. 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!

Banking Before the Fed

Government programs are often complicated, and social security is a prime example. Donna and Nathan discuss some advanced social security questions, including whether claiming your social security benefit disqualifies you from claiming your spousal or survivors benefit, how claiming a divorced spouse’s benefit impacts your ability to claim another spousal benefit down the road, and more. Also on MoneyTalk, a deep dive into the world of behavioral finance.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®;  Air Date: 10/20/2026; Original Air Date: 9/23/2025 & 1/27/2023. 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!

Advanced Social Security Planning

The F.I.R.E. movement (Financially Independent, Retiring Early) is a growing lifestyle trend which emphasizes making extreme financial sacrifices today to set yourself up for an early retirement. Donna discusses some of the strategies used by F.I.R.E. movement followers to maximize their savings and current income while minimizing their expenses. Also on MoneyTalk, longevity planning in retirement, and financial considerations for re-entering the workforce.
 
Host: Donna Sowa Allard, CFP®, AIF®;  Air Date: 10/19/2026; Original Air Dates: 7/21/2026, 1/5/2026 & 6/3/2024. 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!

The F.I.R.E. Movement

Life is full of issues that are important, but not urgent, and one way to stop yourself from kicking the can down the road is through a well developed financial plan. Nathan discusses some of the key components of a financial plan, and how to decide what should be included in yours. Also on MoneyTalk, financial scams to avoid, and what to look for when researching mutual funds.

Host: Nathan Beauvais CFP®, CIMA®, CPWA®;  Air Date: 10/16/2026 Original Air Date: 2/18/2026 & 8/8/2025. 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!

Anatomy of a Financial Plan

Since the passing of the SECURE Act 2.0, the IRS age trigger for required minimum distributions has been raised to 73, but having a little extra time to grow your assets doesn’t necessarily mean there will be more money left when you pass. Donna and Nathan discuss RMD planning, and how to use the rules to your maximum benefit. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®;  Air Date: 10/15/2026; Original Air Date: 10/15/2024. 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!

The RMD Conundrum

For this emerging generation of first-time homebuyers, it is becoming more common to see parents offering their kids a financial boost to even the playing field. Donna and Nathan discuss the pros and cons of gifting some of your child’s inheritance early to help with buying a home. Also on MoneyTalk, big mistakes made by big investors, and Stock Trivia: Battle of the Sowas.

Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®;  Air Date: 10/13/2026. 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!

The Parental Financier

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!

Don Sowa's MoneyTalk

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