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Weekdays 5p-6p 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 ...
 
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show series
 
The SECURE Act presented a mixed bag for retirees, pushing the RMD age from 70 ½ to 72 to reflect trends in longevity, while adversely impacting many non-spousal beneficiaries with inherited IRAs. Don and Donna Grace take us through some of the recent changes to retirement account rules and what they could mean for your money. Hosts: Donald Sowa, C…
 
The pandemic has impacted those approaching retirement in two very distinct ways, with some benefiting financially finding themselves in a position to retire early while others who continue to struggle may be facing additional working years. Donna and Nathan discuss the forces behind this experience gap and the financial planning repercussions. Hos…
 
Financial Planning is not necessary for everyone, unless you are one of the many who will be at least partially dependent on investment growth for their future retirement income. Steve and Nathan explain how having a well-defined plan in place early can mean the difference between retiring comfortably and running out of money. Also, our MoneyTalk M…
 
With consumer prices up over 5%, inflation has been a hot topic as of late, but it generally gets very little attention in the financial planning arena. Nathan explains why owning appreciating assets is important not only as an offset for inflation, but as a means of benefiting from it. Host: Nathan Beauvais, EA, CFP® See omnystudio.com/listener fo…
 
The rollover is one of the most common retirement account processes, and also one of the most complicated. Donna and Nathan take us through the various options presented when requesting a rollover from your employer sponsored plan, and the severe tax implications of making the wrong decision. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, …
 
Telecom is a $2.7 trillion industry today, and the company that started it all still holds one the highest dividend yields in the S&P500. Steve and Nathan tell the story of how AT&T became one of the largest and most influential corporations in American history. Hosts: Steven Beauvais & Nathan Beauvais, EA, CFP® See omnystudio.com/listener for priv…
 
A recent report indicated an accelerated depletion of the social security trust fund, which may lead to measures to shore up the program such as increased taxes, delayed eligibility, or decreased benefits. Continuing the conversation about the state of social security in our nation, Don and Donna Grace discuss how expectations for the future of the…
 
Increasing lifespans, decreasing fertility rates, a shrinking workforce, and the largest generation of beneficiaries in history have all placed tremendous stress on the social security system. Don discusses the funding challenges and structural changes needed to prevent future generations of retirees from outliving their benefits. Host: Donald Sowa…
 
We often think about our retirement as being far down the road, but more and more individuals are finding themselves facing challenging decisions that impact their long-term future before they expected. Donna and Nathan address some critical transition decisions that often catch people off guard when retirement presents itself early. Hosts: Donna S…
 
We all know the importance of diversifying your investment allocation, but there are times when diversifying your sources of investment income can be just as important. Don and Donna Grace discuss situations in which the location and tax treatment of your assets can lead to considerably different outcomes. Hosts: Donald Sowa, CFP®, AIF® & Donna Sow…
 
An emerging generation of young investors are taking advantage of new technology platforms, asset classes and trading rules to get some skin in the game. Don weighs the positive potential this trend could have on future retirement savings rates against the negative implications of an under-informed population of risk seeking investors. Host: Donald…
 
It is not knowledge that makes a person smart, but their ability to acknowledge what they do not know and seek out the right advice. Nathan takes us through the areas that tend to cause individuals the most trouble when preparing their taxes on their own. Host: Nathan Beauvais, EA, CFP® See omnystudio.com/listener for privacy information.…
 
The debate between active vs passive management is alive and well, with strong opinions on both sides. Nathan and guest host Jason Siperstein of Eliot Rose Wealth Management examine the case for each side, and the reasons why this topic has become so polarized. Hosts: Nathan Beauvais, EA, CFP® & Jason Siperstein, CFA, CFP®, RMA See omnystudio.com/l…
 
The 529 plan is arguably the most important college planning tool available, but those who are unsure of their child’s college aspirations may feel reluctant to take advantage. Steve talks about the great benefits of the 529 plan, and some interesting rules that make them a good vehicle for investing in your child’s future, whatever it may be. Host…
 
Taking ownership of the financial planning process is a key success factor, but there are some areas of planning where the guidance of a professional can make a real difference. Donna and Nathan discuss some common DIY planning issues, such as including expected inheritance in your plan, overemphasis on retiring debt free, and generating yield from…
 
The financial services field has shifted from a product focus to a client focus as regulators have chipped away at the conflicts of interest that had been ever-present in the industry. Don and Donna Grace talk about what the fiduciary duty means in practice, and why it is so integral to the wellbeing of the investment community. Hosts: Donald Sowa,…
 
Widely supported legislation passed by Congress allowing employers to automatically enroll employees in their 401K plans has recently been met with some scrutiny. Donna and Nathan discuss the merits of the decision and other efforts aimed at narrowing the retirement savings gap in our country. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais,…
 
Planning your retirement is a massive undertaking, but with the right process it doesn’t have to feel that way. Nathan breaks down the planning process into 3 main categories: Determining your fixed benefit options, your retirement expenses, and your portfolio allocations. Host: Nathan Beauvais, EA, CFP® See omnystudio.com/listener for privacy info…
 
Your emergency fund is a critical tool for any homeowner, but when the inevitable emergency occurs what is the best way to replenish that safety net? Steve and Nathan discuss various tools and strategies for enduring the unexpected. Also, this edition of our MoneyTalk Moment in Financial History focuses on Charlie Merrill, co-founder of Merrill Lyn…
 
It has been said: bulls make money, bears make money, but pigs get slaughtered. Don offers some insight into the meaning of bull vs. bear markets, and strategies investors use to stay ahead during each of these market extremes. Host: Donald Sowa, CFP®, AIF® *All indices are unmanaged and investors cannot actually invest directly into an index. Unli…
 
After a year and a half, federal student loan payment forbearance is scheduled to expire at the end of next month. Don talks over the issues facing the 43 million Americans impacted, many of whom have not fully recovered from the financial strains of the pandemic. Host: Donald Sowa, CFP®, AIF® See omnystudio.com/listener for privacy information.…
 
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