For early baby boomers, the transfer of wealth to the next generation typically took place at death, but today we are seeing far more retirees beginning to transfer their wealth while still living, which can require a more complex level of estate planning. Donna discusses estate planning considerations for those looking to begin the wealth transfer process early. Also on MoneyTalk, the benefits of a trust in estate planning, and mistakes investors make when times are good.

Host: Donna Sowa Allard, CFP®, AIF®;  Air Date: 10/6/2025; Original Air Dates: 7/10/2023, 4/22/2024 & 8/4/2025. 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!

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!

Sharing the Wealth

High earners over age 50, a group traditionally excluded from Roth participation, are now being required to make their catch-up contributions on a Roth basis, an ironic pivot intended to bolster near term government revenue. Donna and Nathan discuss the various changes to retirement account rules and limits to keep you on the right side of the regulators. Also, on MoneyTalk, investing in international markets, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 1/15/2026. 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!

High earners over age 50, a group traditionally excluded from Roth participation, are now being required to make their catch-up contributions on a Roth basis, an ironic pivot intended to bolster near term government revenue. Donna and Nathan discuss the various changes to retirement account rules and limits to keep you on the right side of the regulators. Also, on MoneyTalk, investing in international markets, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP&reg;, AIF&reg; &amp; Nathan Beauvais, CFP&reg;, CIMA&reg;, CPWA&reg;; Air Date: 1/15/2026. 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!

New Roth Rules & IRA Limits

https://api.omny.fm/orgs/a7b0bd27-d748-4fbe-ab3b-a6fa0049bcf6/clips/0a0e33a2-b1f1-4c40-847c-b3d8013a4e58/transcript

An employer stock option plan can be a valuable company benefit as a compliment to your employees’ retirement savings, but it can also be a powerful tool to facilitate a business owner’s exit strategy. Nathan discusses the ins and outs of ESOPs, who they may be appropriate for, and why an employer may choose sell their company to their employees rather than on the open market. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel take us through the complicated legacy of one of the Industrial Revolution’s greatest contributors, Henry Ford.

Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa;  Air Date: 1/14/2026. 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!

Selling Your Business In-House

https://api.omny.fm/orgs/a7b0bd27-d748-4fbe-ab3b-a6fa0049bcf6/clips/4276d809-6ee7-4150-8807-b3d8013a3962/transcript

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!

Sharing the Wealth

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