Finding Your Work/Life Balance

Don Sowa's MoneyTalk

42:18

“I used to be the largest dairy consumer on the planet. I used to eat so much dairy and meat. The more that I looked into the dairy industry, the more that I saw that it was the singular, most inhumane industry on the planet, that we've all been lied to, including myself, for years. I always believed that the picture on the milk carton, the cow standing next to her calf in the green field with the red barn in the back was true. It’s certainly the complete opposite.” – Richard (Kudo) Couto Richard (Kudo) Couto is the founder of Animal Recovery Mission (ARM), an organization solely dedicated to investigating extreme animal cruelty cases. ARM has led high-risk undercover operations that have resulted in the shutdown of illegal slaughterhouses, animal fighting rings, and horse meat trafficking networks. Recently, they released a damning investigation into two industrial dairy farms outside of Phoenix, Arizona supplying milk to Coca-Cola’s Fairlife brand. What they uncovered was systemic animal abuse, environmental violations, and a devastating betrayal of consumer trust. While Fairlife markets its products as being sourced "humanely," ARM’s footage tells a very different story—one of suffering, abuse, and corporate complicity. Despite the evidence, this story has been largely ignored by mainstream media—likely due to Coca-Cola’s massive influence and advertising dollars.…

about a year ago 42:29

MP3•Episode home

Burnout is all too common in corporate America today, and for those trying to decide if itâs time to jump ship to a new career it can be a scary and uncertain time. Nathan talks with Dave Lubelczyk, founder of The Dream Catapult, to discuss his journey of leaving the corporate world behind to help individuals rewrite their story and pursue a lifestyle that better reflects their true values. Host: Nathan Beauvais, CFPÂ®, CIMAÂ®; Special Guest: Dave Lubelczyk; Air Date: 2/7/2025; Original Air Date: 2/23/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!

See omnystudio.com/listener for privacy information.

100 episodes

#Business #WPRO

Finding Your Work/Life Balance

Don Sowa's MoneyTalk

published about a year ago

MP3•Episode home

See omnystudio.com/listener for privacy information.

100 episodes

#Business #WPRO

All episodes

1
Homeowners Take Another Hit 42:48

3 hours ago42:48

42:48

Property tax revenue has plummeted since the pandemic, prompting local governments to raise taxes on property owners. Donna and Nathan discuss the factors that have led to this, and the fallout for homeowners. Also on MoneyTalk, current financial scams to be on the lookout for, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/15/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

1
Why Titling Matters 42:54

3 hours ago42:54

42:54

When Shakespeare asked, "What's in a name?", he clearly wasn't talking about financial accounts, because the way we title our accounts has great bearing over who controls them, the limits of that control, and their tax treatment. Nathan and Steve take us through some scenarios that highlight the importance of being intentional about the types of accounts you open, and how you choose to tile them. Also, on our MoneyTalk Moment in Financial History Nathan and Daniel tell the infamous story of one of the first major US railroads, the Eerie, and the war that ensued between Cornelius Vanderbilt, Daniel Drew, James Fisk and Jay Gould. Hosts: Nathan Beauvais CFP®, CIMA® & Steven Beauvais; Special Guest: Daniel Sowa; Air Date: 5/14/2025; Original Air Date: 1/8/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

1
Gen-X vs Boomers in Retirement 42:21

4 days ago42:21

42:21

As with every generation, Gen-Xers and Baby Boomers grew up with very different experiences, so it’s no surprise that they have approached retirement savings very differently. Donna and Nathan discuss the factors that have led to this generational divergence in retirement planning. Also on MoneyTalk, choosing the right type of business entity, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/13/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

1
Setting Your Financial Priorities 41:26

5 days ago41:26

41:26

As a young family with a lifetime of major expenses ahead of you, it can be hard to know where your savings should go. Donna offers guidance on how to use your resources to put you in the best position to achieving both your early and late stage financial goals. Also on MoneyTalk, planning a Roth conversion around the sunsetting of the TCJA, and how to handle inherited retirement accounts. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 5/12/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

1
How to Organize Your Business 42:01

6 days ago42:01

42:01

Business owners can choose from a variety of entity types when organizing their business for limited liability, and deciding which to use depends largely on which type serves their best interest in terms of taxes. Nathan discusses the different options for registering your business and the benefits and drawbacks of each. Also on MoneyTalk, 10 things you should know about bonds, and understanding the different investment categories. Host: Nathan Beauvais, CFP®, CIMA®; Air Date: 5/9/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

1
Planning by the Decade 42:14

7 days ago42:14

42:14

As you age, your financial priorities will change with you, so when we create a financial plan it is often useful to look at each decade separately, allowing your plan to evolve to meet the needs of each moment. Donna and Nathan discuss the typical areas of focus that come with each decade as you journey toward retirement. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/8/2025; Original Air Date: 2/7/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

1
How Stock Options Work 41:54

10 days ago41:54

41:54

Companies often use stock options as an incentive to attract talent, and while highly coveted, they are also highly complex and often misunderstood. Donna and Nathan discuss two common types of stock options, RSUs and non-qualified stock options, and how they work. Also on MoneyTalk, 7 milestone ages in retirement planning, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/6/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

1
Common Retirement Mistakes 42:11

13 days ago42:11

42:11

Growth in life is largely about learning from your mistakes, but at a certain point in our journey we will no longer have the benefit of time to recover from those mistakes, so having a plan is essential. Nathan discusses some common mistakes to be mindful of as we prepare for retirement, including: outliving your assets, favoring accumulation over distribution, failing to account for inflation, and much more. Also on MoneyTalk, how to determine which of the three core asset allocation strategies is right for your portfolio. Host: Nathan Beauvais, CFP®, CIMA®; Air Date: 5/2/2025; Original Air Dates: 6/12/2023 & 7/28/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

1
The Evolution of Target Date Funds 41:41

14 days ago41:41

41:41

Nearly 1/3 of 401(K) assets are held in target date funds, and with recent statistics showing the composition of these funds becoming riskier, some are questioning how this might impact investors in the long term. Donna and Nathan discuss why target date funds are becoming more aggressive, and how to use them appropriately in your portfolio. Also on MoneyTalk, when DIY investors should consider professional advice, and Stock Trivia: Battle of the Sowas. Investments in target-date funds are subject to the risks of their underlying holdings. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative investments based on its respective target date. The performance of an investment in a target-date fund is not guaranteed at any time, including on or after the target date Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/1/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

1
Ways to Catch Up 41:41

17 days ago41:41

41:41

When you’re young, it’s easy to get paralyzed worrying about how you should be saving for retirement, but the first and most important step is to just be saving. Donna and Nathan discuss strategies you can follow to catch up on your retirement savings if you feel like you’ve fallen behind. 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®; Special Guest: Daniel Sowa; Air Date: 4/30/2025; Original Air Dates: 7/24/2024 & 8/27/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

1
A Run on Social Security 42:01

18 days ago42:01

42:01

With spending cuts taking place at nearly all levels of government, many soon-to-be retirees are being prompted to claim their Social Security benefits early, potentially accelerating the timeline in which the system reaches insolvency. Donna and Nathan discuss how this trend may impact peoples’ ability to retire, and what measures are being considered to create a more sustainable safety net for our nation’s seniors. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/29/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

1
Time Management in Retirement 42:16

19 days ago42:16

42:16

Many have a romanticized vision of how theyâll spend their time in retirement, but the reality is often far more mundane, and it can be easy to find yourself falling into an unhealthy routine. Donna discusses the importance of taking the time to plan for how youâll use that long-coveted free time as you approach retirement. Also on MoneyTalk, claiming strategies for Social Security, and income and contribution limits for IRAs in 2025. Host: Donna Sowa Allard, CFPÂ®, AIFÂ®; Air Date: 4/28/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

1
Do I Need a CPA? 42:07

20 days ago42:07

42:07

If you receive all of your income by W-2, most tax filing software will likely give you similar results to what you would get if you had filed through a CPA, but for 1099 employees, having the guidance of a professional can make a world of difference. Nathan speaks with CPA, John Briggs, Founder of Incite Tax, about the value of using a CPA for certain tax filers, some non-tax accounting services offered by CPAs that you can take advantage of, common tax deduction myths, and much more. Host: Nathan Beauvais, CFP®, CIMA®; Special Guest: John Briggs, CPA; Air Date: 4/25/2025; Original Air Date: 1/6/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

1
Maximizing Your Retirement Income 41:11

21 days ago41:11

41:11

How you choose to draw on your retirement assets can make a big difference in your overall tax liability, so unless you’re feeling charitable towards the US government, having a strategy is critical. Donna and Nathan discuss the order in which you withdraw from your retirement accounts, and some actions you can take in the years leading up to retirement to help you benefit from more of your hard earned income. Also on MoneyTalk, preparing for unplanned expenses, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/24/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

1
Personalizing Your Asset Allocation 42:27

24 days ago42:27

42:27

Age is a primary factor in deciding on the right investment allocation for your portfolio, but as you might imagine, thereâs a bit more to it than that. Nathan and Steve discuss four questions you should ask yourself when developing a tailored asset allocation strategy. Also, our MoneyTalk Moment in Financial History tells the story of how the early innovations of the Nasdaq paved the way for the modern era of stock trading, and the surprising role that Bernie Maddoff played in making it all possible. Hosts: Nathan Beauvais CFPÂ®, CIMAÂ® & Steven Beauvais; Air Date: 4/23/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
The Anti-Annuity Movement 42:27

25 days ago42:27

42:27

The Department of Labor is embroiled in a legal dispute with the insurance industry over legislation aimed at protecting consumers from inappropriate annuity sales practices. Donna and Nathan discuss both sides of the debate and explain why they believe the case against annuities may be being oversold. Also on MoneyTalk, understanding tax categories, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/22/2025; Original Air Dates: 8/19/2024 & 8/20/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
10 Steps to Retire Well 42:18

26 days ago42:18

42:18

As you approach retirement, you may feel that knot in your stomach telling you that there are actions you should be taking to prepare, but defining those actions can be a daunting task. Donna walks us through 10 steps you can take as you prepare for retirement, including: maxing out your contributions, shifting your allocations, taking inventory of your retirement accounts, developing a realistic picture of your day to day retirement, and more. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 4/21/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Sorting Out Social Security 42:10

27 days ago42:10

42:10

Social Security is a core component of most Americansâ retirement plans, but it may surprise you to hear that it was highly controversial when initially proposed, and to get it passed, Congress had to include complex provisions which still exist to this day. Donna and Nathan discuss the intricacies of the Social Security system, and the reasons why it has been so difficult to reform. Also on MoneyTalk, how AI is being used to enhance the services that financial advisors provide. Hosts: Donna Sowa Allard, CFPÂ®, AIFÂ® & Nathan Beauvais, CFPÂ®, CIMAÂ®; Air Date: 4/18/2025; Original Air Date: 6/20/2023 & 7/1/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Lessons for New Retirees 42:26

28 days ago42:26

42:26

One of your advisor’s jobs is to act as facilitator for you and your spouse, ensuring that all parties have a clear and active role in the financial decisions that impact them. Donna and Nathan discuss the benefits of having an all-in approach to managing your finances, and some of the planning topics that frequently come up. Also on MoneyTalk, the pros and cons of using target date funds, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/17/2025; Original Air Date: 8/13/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Asset Allocation Strategies 42:18

28 days ago42:18

42:18

When you consider the complexity of the markets, you might look at asset management as an art form, and while this may be true to some extent, there is a science behind asset allocation that helps to guide most rebalancing decisions. Nathan discusses the mechanics of the three primary asset allocation strategies: strategic, tactical and dynamic. Also, on our MoneyTalk Moment in Financial History Nathan and Steve tell the story of how Charles Schwab opened up the world of investing to the middle class with the first discount brokerage. Hosts: Nathan Beauvais CFP®, CIMA® & Steven Beauvais; Air Date: 4/16/2025; Original Air Date: 10/26/2022 & 7/28/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
How the US Lost Manufacturing 42:26

5 weeks ago42:26

42:26

In the 1950 about 35% of US private sector jobs were in manufacturing, today that figure stands at just over 9%, so the big question is, how did we lose our place as the world’s manufacturing powerhouse? Nathan tells the story of how factors such as Americans’ rise in affluence led to the decline in domestic manufacturing, and whether there is anything that can be done to bring it back. Also on MoneyTalk, why do financial bubbles occur, and are average investors listening to the wrong people for investment advice? Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/15/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Retirement Made Simple 41:44

5 weeks ago41:44

41:44

Believe it or not, 150 years ago the average male only lived to age 65 and most worked until they died, so the idea of retirement is still a relatively new concept. Donna and Nathan discuss this and other retirement revelations outlined in Ben Carlson’s book, “Everything’s You Need to Know About Retirement”. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/14/2025; Original Air Date: 9/28/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Choosing Your Investment Vehicle 41:24

5 weeks ago41:24

41:24

See omnystudio.com/listener for privacy information.

Don Sowa's MoneyTalk

1
Tariff Uncertainty Spreads 41:41

5 weeks ago41:41

41:41

The rollercoaster ride for the markets continued on Thursday April 10th, erasing much of the prior dayâs gains as investors respond to the unpredictable news on tariffs. Donna and Nathan discuss who is footing the bill for these tariffs, and how it is impacting the bond market. Also on MoneyTalk, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFPÂ®, AIFÂ® & Nathan Beauvais, CFPÂ®, CIMAÂ®; Air Date: 4/10/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Where Do We Go From Here? 42:12

6 weeks ago42:12

42:12

It’s been a dramatic week for stocks, and we’re seeing a broad range of reactions from investors, ranging from intense trepidation to enthusiasm for the potential to buy great companies at a steep discount. Donna and Nathan discuss the importance of maintaining a balanced perspective during times of market turmoil, and how the economy may be reshaped once the dust settles. Also on MoneyTalk, protecting your interests through savvy estate planning, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/8/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Markets Respond 41:58

6 weeks ago41:58

41:58

On April 7th, markets saw one of the most volatile days in recent memory due to the Presidentâs tariff announcements, and investors are preparing themselves for what promises to be a period of vast uncertainty. Donna and Nathan discuss the potential for economic destabilization, and how to navigate this moment as an investor. Also on MoneyTalk, taking a strategic approach to RMD planning. Hosts: Donna Sowa Allard, CFPÂ®, AIFÂ® & Nathan Beauvais, CFPÂ®, CIMAÂ®; Air Date: 4/7/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Playing Offense in the Insurance Game 42:35

6 weeks ago42:35

42:35

When dealing with insurance companies it can often feel the chips are stacked against you, and itâs the insurance adjusterâs job to even the scales. Nathan welcomes Andy Gurczak, Founder and CEO of Allcity Adjusting, back to the show to discuss state property insurance laws, mistakes people make during the claims process, and strategies used by public adjusters to ensure customers get a fair settlement. Host: Nathan Beauvais CFPÂ®, CIMAÂ®; Guest: Andy Gurczak; Air Date: 4/4/2025; Original Air Date: 2/28/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Finding the Upside in a Down Market 41:58

6 weeks ago41:58

41:58

The stock market has been hit hard over recent days, and although it may be hard to think positively while your portfolio is feeling the pain, this is one of those buy low moments where resilient investors see opportunity. Donna and Nathan explain how to find the silver lining in a down market through dollar cost averaging and smart portfolio rebalancing. Also on MoneyTalk, circumstances where it makes sense to file married filing separately, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/3/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Charitable Remainder Trusts 41:38

6 weeks ago41:38

41:38

There are certain financial vehicles for charitable giving, and others for generational investing, but on todayâs episode we cover two unique hybrid products that are designed to achieve both. Nathan and Steve discuss the features and benefits of Charitable Remainder and Charitable Lead Trusts. Also, our MoneyTalk Moment in Financial History takes us from Ponzi to Madoff to track the history of the Ponzi scheme. Hosts: Nathan Beauvais CFPÂ®, CIMAÂ® & Steven Beauvais; Air Date: 4/2/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
The Benefits of Charitable Giving 42:05

7 weeks ago42:05

42:05

If altruism is in your heart, charitable giving can be vastly rewarding not only for the knowledge that youâve helped those in need, but also for the tax benefits. Donna and Nathan explain different ways taxpayers can put some of their hard earned income to work for a good cause rather than lining Uncle Samâs pockets. Also on MoneyTalk, deciding what tools to use to protect your assets, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFPÂ®, AIFÂ® & Nathan Beauvais, CFPÂ®, CIMAÂ®; Air Date: 4/1/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
401K Participation Gets a Boost 41:59

7 weeks ago41:59

41:59

Half of private sector workers are now contributing to a 401K, showing a much needed head of steam for plan participation at a time when the retirement savings gap poses a major threat to future retirees. Donna and Nathan discuss how new 401K plan features are making it simpler and more attractive for workers to save for retirement. Also on MoneyTalk, should state income tax be a factor when deciding where to live? Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 3/31/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
How to Retire Happy 42:06

7 weeks ago42:06

42:06

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 âHow 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: 3/28/2025; Original Air Date: 11/1/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
The Big Three 42:16

7 weeks ago42:16

42:16

You likely have heard of the three primary US stock indices, the Dow Jones Industrial Average, the S&P500 and the Nasdaq, but many people don’t have a clear understanding of which they should be following, and when. Nathan discusses the differences between the Big Three, and why each one is uniquely important to the overall market. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel tell the story of how Clarence Saunders, founder of the Piggly Wiggly grocery chain, attempted to corner the stock market in the early 1900s. Host: Nathan Beauvais CFP®, CIMA®; Guest: Daniel Sowa; Air Date: 3/26/2025; Original Air Date: 9/8/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
The Private Equity Boom 42:07

8 weeks ago42:07

42:07

Private companies make up nearly 87% of American industry, and the Private Equity market, which provides the public with access to this space, has exploded in size and influence. Donna and Nathan explain the drivers behind this fundamental shift, and what it tells us about the state of the economy. Also on MoneyTalk, different types of tax free income, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 3/25/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Planning by Decade 41:31

8 weeks ago41:31

41:31

Each decade of our adult lives brings its own unique set of financial challenges, so as important as planning for retirement is, a good financial plan also seeks to anticipate our coming needs in each stage along the way. Donna takes us through some of the financial priorities that turn up in our 40s, 50s and 60s. Also on MoneyTalk, common retirement mistakes and how to avoid them. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 3/24/2025; Original Air Dates: 2/5/2024 & 4/22/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Building a Budget 39:31

8 weeks ago39:31

39:31

Budgeting is among the most vanilla financial topics we discussed on the show, but when you think about its benefits, such as being able to spend guilt free, to plan for large expenses, and to replenish your emergency fund, following a budget can be a liberating experience that brings you closer to achieving your financial goals. Donna and Nathan discuss the process of creating a budget for individuals at all income levels. Also on MoneyTalk, planning for risks you don't expect, and how different types of income are taxed. Hosts: Donna Sowa Allard, CFPÂ®, AIFÂ® & Nathan Beauvais, CFPÂ®, CIMAÂ®; Â Air Date: 3/21/2025; Original Air Date: 4/9/2024, 7/2/2024 & 7/29/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Estate Planning Mistakes 42:05

8 weeks ago42:05

42:05

Letâs be honest, none of us like thinking about our mortality, and unfortunately this can lead to procrastination with addressing important estate planning matters. Donna and Nathan discuss some of the more common estate planning mistakes and some simple steps you can take ensure that your assets are protected for the long haul. Also on MoneyTalk, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFPÂ®, AIFÂ® & Nathan Beauvais, CFPÂ®, CIMAÂ®; Â Air Date: 3/20/2025; Original Air Date: 7/25/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Choosing Your Medicare Plan 41:47

8 weeks ago41:47

41:47

The vast majority of Americans will eventually have to think about Medicare planning, and knowing the rules ahead of time can help you when trying to project your healthcare expenses in retirement. Donna and Nathan explain how the different Medicare plans work, and what considerations you should have when choosing your coverage. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel take us through the complicated legacy of one of the Industrial Revolutionâs greatest contributors, Henry Ford. Hosts: Donna Sowa Allard, CFPÂ®, AIFÂ® & Nathan Beauvais, CFPÂ®, CIMAÂ®; Guest: Daniel Sowa; Air Date: 3/19/2025; Original Air Date: 6/18/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Stay in Your Lane 41:57

9 weeks ago41:57

41:57

See omnystudio.com/listener for privacy information.

Don Sowa's MoneyTalk

1
Does Your Advisor’s Age Matter? 41:27

9 weeks ago41:27

41:27

Finding a new advisor is all about seeking compatibility, and as much as personality matters, age tends to be the factor that weighs most heavily on the decisionmaking process. Donna and Nathan discuss how experience and relatability impact peoples’ choice when selecting a financial advisor. Also on MoneyTalk, responsible use of credit cards for young adults, and understanding umbrella insurance policies. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 3/17/2025; Original Air Date: 7/11/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Making Sense of Social Security 41:43

9 weeks ago41:43

41:43

Social Security is something that nearly all Americans will have to plan for in one way or another, and even the basic rules can cause confusion to those approaching benefit age. Donna and Nathan discuss some of the common questions they receive on Social Security benefits. Also on MoneyTalk, flaws in the Monte Carlo simulation, and celebrity estate planning blunders. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 3/14/2025; Original Air Date: 3/28/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Changing Your Mind on Money 42:18

9 weeks ago42:18

42:18

We try our best to be intentional and calculated with how we manage our money, but until we acknowledge the involuntary forces behind our decisions, itâs hard to succeed in meeting our money goals. As a tribute to the late economist and writer, Daniel Kahneman, Donna and Nathan discuss his contributions to behavioral finance, and his insights about the biases that drive our decisionmaking around money. Hosts: Donna Sowa Allard, CFPÂ®, AIFÂ® & Nathan Beauvais, CFPÂ®, CIMAÂ®; Air Date: 3/13/2025; Original Air Date: 3/28/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Black Friday 1869 42:20

9 weeks ago42:20

42:20

In the late 19th century, the industrial elite had a heavy hand in American politics, and this corrupt relationship created opportunity for the few at the top to amass vast sums of wealth, if they played their cards right. On this edition of our MoneyTalk Moment in Financial History, Nathan and Daniel tell the story of Black Friday 1869, when railroad magnate, Jay Gould, attempted to manipulate President Ulysses S Grant to corner the gold market. Hosts: Nathan Beauvais CFP®, CIMA® & Steven Beauvais; Guest: Daniel Sowa; Air Date: 3/12/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

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Vetting a New Advisor 42:16

10 weeks ago42:16

42:16

Choosing your financial advisor is a decision that should not be taken lightly, because any professional relationship that could span decades is worthy of a formal vetting process. Donna and Nathan discuss the questions you should ask when shopping around for a financial advisor. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 3/11/2025; Original Air Date: 3/21/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation! See omnystudio.com/listener for privacy information.…

Don Sowa's MoneyTalk

1
Questions When Approaching Retirement 42:20

10 weeks ago42:20