Don Sowa's MoneyTalk

Hosted by Cumulus Providence

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Episodes

100

Latest episode

Jun 2026

Language

EN-US

About the show

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

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60 recent

June 16, 202640 min

The Facts on Reverse Mortgages

The reverse mortgage has been shrouded in controversy and misunderstanding due to some early abusive sales tactics and its highly vulnerable target market, but when used under the right circumstances, the reverse mortgage can be a game changer. Donna and Nathan have a conversation with reverse mortgage expert, Garrett Duffy, to explain how reverse mortgages work, and who should and shouldn’t consider one as part of their retirement income plan. This material is intended for informational educational purposes only and should not be construed as investment advice, a solicitation, or a recommendation. Reverse mortgages are subject to risk, including possible foreclosure, high fees, and interest payments, and they may negatively affect your eligibility for various state and federal benefits. Please contact your financial professional for more information specific to your situation. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Garrett Duffy, Supreme Lending; Air Date: 6/12/2026; Original Air Date: 10/27/2023. 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!See omnystudio.com/listener for privacy information.

June 15, 202642 min

Trump Accounts

Trump savings accounts are begin rolling out on July 4th 2026 to give children of eligible birth years a head start on retirement savings with $1,000 of tax deferred initial funding, sparking both excitement and confusion. Donna and Nathan discuss the program details, the convoluted application process, and alternative early savings options for children. Also on MoneyTalk, sequence of returns risk, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 6/11/2026. 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!See omnystudio.com/listener for privacy information.

June 12, 202642 min

Why Capitalism Works

Until the 20th century, there was never an expectation that life would be better than that of your parents’, but the emergence of capitalism forged a prolonged period of economic growth that we now take for granted. On this edition of our MoneyTalk Moment in Financial History, Nathan takes us through the origins of capitalism, highlighting the inflection point that we find ourselves in. Also on MoneyTalk, how to think about investment risk. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 6/10/2026; Original Air Date: 9/18/2024. 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!See omnystudio.com/listener for privacy information.

June 11, 202641 min

Americans are Saving

In 2026 we’ve finally managed to close the infamous retirement savings gap, with average savings rates for Americans reaching the level necessary to eventually afford retirement. Donna and Nathan discuss the factors driving this trend, and how Gen Z is leaning into financial wellness. Also on MoneyTalk, financial scams to avoid, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 6/9/2026. 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!See omnystudio.com/listener for privacy information.

June 11, 202640 min

Alternative Valuation Date

One of the primary goals of estate planning is minimizing overall tax burden, and when dealing with large estates, the small details can make all the difference. Donna discusses one particular aspect of inheritance planning: the difference between using date of death vs alternate valuation date. Also on MoneyTalk, deciding whether to rollover your 401K, and planning for your first year of retirement. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 6/8/2026; Original Air Dates: 1/8/2024 & 11/10/2025. 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!See omnystudio.com/listener for privacy information.

June 9, 202641 min

Commodities & Stock Options

Broadly speaking, commodities can be an effective portfolio diversifier as they are often negatively correlated to the stock market, however, each type of commodity carries its own unique set of risks, so it’s important to investigate before you invest. Nathan discusses how commodities investing works, and the precautions to take when considering them for your portfolio. Also on MoneyTalk, understanding stock options, and the history of the Nasdaq. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 6/5/2026; Original Air Date: 5/17/2023 & 6/21/2023. 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!See omnystudio.com/listener for privacy information.

June 8, 202641 min

Rental Property Taxes

For a young person starting out, receiving rental income from a multi-family home can be a great way to offset the cost of your mortgage, but many are unequipped to navigate the complicated tax rules that govern rental income without the help of a tax professional. Donna and Nathan discuss some specifics around rental property taxes and how to ensure that the IRS and property inspectors don’t catch you off guard. Also on MoneyTalk, breaking down the financial planning process, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 6/4/2026; Original Air Date: 2/2/2023. 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!See omnystudio.com/listener for privacy information.

June 5, 202641 min

Brokerage vs IRA

It seems implied that retirement accounts are the best vehicles for your retirement savings, but depending on your circumstances, the flexibility of an after tax brokerage account can be a major benefit. Nathan explains how non-retirement accounts can work to compliment your retirement portfolio. Also, on our MoneyTalk Moment in Financial History Nathan and Daniel tell the story of Alexander Hamilton and The Whiskey Rebellion. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Guest: Daniel Sowa; Air Date: 6/3/2026; Original Air Date: 4/26/2023. 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!See omnystudio.com/listener for privacy information.

June 5, 202641 min

Gambling vs Investing

They say that what separates investing from gambling is the availability of information to facilitate educated decision making, but what about the information a skilled Poker player reads on an opponent’s face, or the limited information available for a start up company? Donna and Nathan discuss the gray area between gambling and investing, and why it’s important to understand the difference. Also on MoneyTalk, bringing 401Ks into the 21st century, add Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 6/2/2026. 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!See omnystudio.com/listener for privacy information.

June 3, 202641 min

Longevity Planning

Retirement planning is mainly focused on the math, but there is much more to aging than surviving financially, and today’s advisors are taking a more holistic approach to serving their senior clients. Donna discusses how longevity planning is providing a more comprehensive solution to the needs of retirement community. Also, on MoneyTalk, what to do with your old 401k. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 6/1/2026; Original Air Dates: 1/5/2026 & 8/26/2024. 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!See omnystudio.com/listener for privacy information.