Shows / Don Sowa's MoneyTalk
Don Sowa's MoneyTalk
Weekdays7p-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…
Episodes
- Don Sowa's MoneyTalk
Bond Talk with Nathan
As time passes, more Americans are becoming DIY investors and financial planners. On this episode of MoneyTalk, Nathan discusses some risks to look out for…
- Don Sowa's MoneyTalk
Retirement Milestones
Retirement is defined by age based rules that govern your finances. Donna and Nathan take us through these retirement milestones that you should keep on your…
- Don Sowa's MoneyTalk
Maintaining Your Estate Plan
Estate planning is not a set it and forget it process, and any major life changes or changes in residency should prompt a review and update of those critical…
- Don Sowa's MoneyTalk
A Boost for 401k Participation
More than 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…
- Don Sowa's MoneyTalk
The Iranian Oil Crisis
There are few periods in the 20th century that were more impactful to the global economy than the Iranian Oil Crisis and the revolution that followed. On this…
- Don Sowa's MoneyTalk
Questions from Clients
Some of the best content on the MoneyTalk program comes from our listeners, but our hosts also draw inspiration directly from the clients they talk to each…
- Don Sowa's MoneyTalk
Prepping Your Estate
If you’ve ever had to go through the process of unwinding a poorly planned estate, then you understand how messy these things can be. Donna and Nathan talk…
- Don Sowa's MoneyTalk
Diversifying with Commodities
The traditional 60/40 portfolio has been disrupted over recent years by the increased correlation between stocks and bonds, driving investors to asset classes…
- Don Sowa's MoneyTalk
The Sunk Cost Fallacy
When you’ve made a substantial investment that goes badly, it’s not uncommon to see people stubbornly ride it out, or even double down in hopes of recovering…
- Don Sowa's MoneyTalk
Asset Allocation Strategies
Some say that asset management is an art form, and while this may be true to some extent, there is a science behind portfolio design that helps to guide asset…
- Don Sowa's MoneyTalk
An AI Over-Correction
The initial economic shock caused by AI’s potential impact on jobs seems to have settled, as employers who pulled back on hiring discover that AI is far from…
- Don Sowa's MoneyTalk
Trump Accounts Explained
Trump savings accounts are tax deferred custodial investment accounts designed to give children a head start on retirement savings, with $1,000 in initial…
- Don Sowa's MoneyTalk
Should I Do a Roth Conversion?
People often have confusion around how and when a Roth conversion should be used, which is why there is a clear methodology professionals use to help make…
- Don Sowa's MoneyTalk
Traditional vs. Roth IRAs
In a lot of ways, the Traditional and Roth IRA are mirror images of one another, and they are designed that way to provide very specific tax benefits to…
- Don Sowa's MoneyTalk
Component of a Financial Plan
A financial plan has many moving parts that are synchronized to achieve your goals, which is why it’s important to approach the process with a strategy in…
- Don Sowa's MoneyTalk
The F.I.R.E. Movement
The F.I.R.E. movement (Financially Independent, Retiring Early) is a growing lifestyle trend which emphasizes making extreme financial sacrifices today to set…
- Don Sowa's MoneyTalk
Intro to Estate Planning
Estate planning can be complex, or as simple as naming beneficiaries on your IRA, so even if your situation seems straightforward, if you own assets, you need…
- Don Sowa's MoneyTalk
You’re Asking For It
Donna shares answers to questions from wealth management clients, including: How do I go about selling my precious metal items without getting swindled? How do…
- Don Sowa's MoneyTalk
The New Face of the Fed
New Fed Chair, Kevin Warsh, has brought about a new era for the Fed, defined by less rate intervention, more deregulation, and most notably, less forward…
- Don Sowa's MoneyTalk
The Eerie Railroad War
When we think of the innovations that contributed to the rise of the industrial age, the steam locomotive is arguably the most impactful of them all. Without…
- Don Sowa's MoneyTalk
How Advisors are Employing AI
Whether or not AI poses a future threat to certain professional jobs, like that of the financial advisor, it is currently providing exciting enhancements to…
- Don Sowa's MoneyTalk
Forming Healthy Retirement Habits
Managing money can be hard enough when you have steady wages coming in, but when it’s time to turn off the faucet and survive on your savings, many struggle…
- Don Sowa's MoneyTalk
Imperfect But Useful Models
Financial planning projections typically rely on formulaic models, but it’s important to know that even the best of these models are far from perfect. Donna…
- Don Sowa's MoneyTalk
The Final Approach to Retirement
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…
- Don Sowa's MoneyTalk
Claiming Social Security Early
More people today are claiming social security at 62 than are waiting until age 70, suggesting that retirees are considering more than just maximizing their…
- Don Sowa's MoneyTalk
The American Revolution
With our nation celebrating its 250th anniversary, we thought it appropriate to take a look back at how it all began. On this edition of our MoneyTalk Moment…
- Don Sowa's MoneyTalk
Can We Fix Social Security?
It’s a well known fact that the social security retirement trust fund will be unable to support full benefit payments starting in 2032, and with no clear…
- Don Sowa's MoneyTalk
The Legacy of Alan Greenspan
Late Fed Chairman, Alan Greenspan, served under four presidents, through multiple market meltdowns, and negotiated the American economy into its longest period…
- Don Sowa's MoneyTalk
Dealing with Debt
Many people use a home equity line of credit for home renovations and unforeseen liquidity needs, but if you are carrying an old balance on your variable rate…
- Don Sowa's MoneyTalk
In Gold We Trusted
For over a century, gold wasn’t just a symbol of wealth—it was the backbone of the U.S. dollar. From the discovery of gold in California to the creation of the…
- Don Sowa's MoneyTalk
The RI Millionaire’s Tax
RI Governor Dan McKee has increased the top line income tax rate to 9% for those making over $1M, following a wave of populist state leaders and drawing…
- Don Sowa's MoneyTalk
Rethinking the 4% Rule
You may have heard of the 4% Rule, which suggests 4% as the safe maximum rate of withdrawal from your retirement accounts, but over recent years the goal posts…
- Don Sowa's MoneyTalk
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…
- Don Sowa's MoneyTalk
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…
- Don Sowa's MoneyTalk
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…
- Don Sowa's MoneyTalk
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…
- Don Sowa's MoneyTalk
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…
- Don Sowa's MoneyTalk
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…
- Don Sowa's MoneyTalk
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…
- Don Sowa's MoneyTalk
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…
- Don Sowa's MoneyTalk
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…
- Don Sowa's MoneyTalk
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…
- Don Sowa's MoneyTalk
What's Driving Your Investments?
Investments can be packaged and presented in a variety of ways, and understanding your investments requires an equal understanding of the vehicles that carry…
- Don Sowa's MoneyTalk
Inherited Account Options
Inheriting money from your spouse is a pretty straightforward process, but when money is passed down from parents or other family members, the rules get a bit…
- Don Sowa's MoneyTalk
Understanding Workplace Accounts
In this episode of MoneyTalk, Nathan discusses how to navigate accounts offered by workplaces. Also on MoneyTalk, Nathan and Dan chat about steam engines and…
- Don Sowa's MoneyTalk
What is Money?
On this episode of MoneyTalk, Nathan discusses the concept and philosophy of money. Also, on MoneyTalk, how the Monte Carlo simulation works, and passages from…
- Don Sowa's MoneyTalk
Taxes After Retirement
On this episode of MoneyTalk, Donna and Nathan discuss common misconceptions and tips when dealing with tax after retirement. Also, on MoneyTalk, the…
- Don Sowa's MoneyTalk
Financial Planning Tips with Nathan
In this episode of Don Sowa's MoneyTalk, Nathan discusses important topics when choosing a financial planner. Also, on MoneyTalk, Nathan shares some of his…
- Don Sowa's MoneyTalk
The Stages of Retirement Planning
In this episode, Donna talks about the stages and milestones in planning for retirement. Also, on MoneyTalk, the financial considerations for re-entering the…
- Don Sowa's MoneyTalk
Roth Conversions and RMDs
In this episode, Nathan discusses the importance of Roth IRA conversions and Required Minimum Distributions. Also, on MoneyTalk, the meaning of credentials in…
- Don Sowa's MoneyTalk
Inheriting Accounts
Inheriting money can be a blessing, however depending on your relationship to the deceased and the account type, the rules on how you are taxed can be…
- Don Sowa's MoneyTalk
Putting Interest Rates in Perspective
One of the leading economic pain-points of recent years has been interest rates, but is today’s rate environment really that high from a historical…
- Don Sowa's MoneyTalk
MoneyTalk Soup
Today on MoneyTalk, Donna discusses Roth Conversions, Custodial Roth IRAs, sources of the K-shaped economy, 60-day rollovers, debt consolidation, and new 401K…
- Don Sowa's MoneyTalk
Tax Hacks
Today we have been seeing a decrease in the supply of CPAs, leaving more and more taxpayers on their own to prepare their filings. Donna and Nathan offer some…
- Don Sowa's MoneyTalk
Business Entity Breakdown
How you choose to structure your business will have great bearing over how you are taxed, and how much liability you take on. Nathan discusses how each of the…
- Don Sowa's MoneyTalk
Big Mistakes
Investing can be a humbling endeavor, and even the most successful investors have a few bets that they wish they could take back. Donna and Nathan discuss the…
- Don Sowa's MoneyTalk
Sequence of Returns Risk
As an early investor, the risk of loss is balanced by your expected time in the market, but for those approaching retirement, loss of principle can be a major…
- Don Sowa's MoneyTalk
HSA: A Tax Unicorn
The Health Savings Account is the only investment vehicle that features tax deductibility, tax free growth, and tax-free qualified withdrawals. Nathan…
- Don Sowa's MoneyTalk
The Race to Connect America
No innovation contributed more to westward expansion and American progress than the transcontinental railroad, but the road to that progress was paved in…
- Don Sowa's MoneyTalk
Identifying Your Money Scripts
Each of us have our own conceptions about money which have been developing from a young age, and often these stories we tell ourselves can be self-destructive…