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Creating Your Business Exit Strategy
After investing decades of time and energy into building a business, when the day finally comes to cash in on that hard work, many are shocked to find that they've vastly overestimated their business' market value and are unprepared for the financial and psychological shift ahead. Nathan discusses strategies for preparing your business for sale, including boosting your valuation, succession planning, and transitioning to life after the hustle.
Host: Nathan Beauvais, CFP®, CIMA®, CPWA®
Why You Should Freeze Your Credit
AI has created a new frontier for identity theft and consumer fraud, and more and more people are finding unauthorized accounts and lines of credit opened in their name, which can be a credit killer and a nightmare to fix. Donna and Nathan discuss how freezing your credit as a preventative measure has become easier than ever, and a critical defense against these rapidly growing threats.
Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®
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 an estate plan. Nathan welcomes back estate attorney and long time friend of the show, Andy Nault, to discuss the different ways wills, trusts, and other legal arrangements can be structured to ensure your assets end up in the right hands after you pass way.
Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Andy Nault, Brule Nault & Hainley
Retirement is Changing
The plan is simple: get a job, save some money, retire. But while the formula hasn’t changed, the dynamics of retirement itself look far different than they did just a generation ago. Donna and Nathan discuss how to prepare yourself for the social, economic and cultural changes that are reshaping retirement.
Hosts: Donna Sowa Allard, CFP®, AIF® and Nathan Beauvais, CFP®, CIMA®, CPWA®
Income Tax Talk
If you receive 100% of your income from your salary, the manner in which you are taxed is relatively straightforward, but most Americans receive income from multiple sources, all of which are taxes a little differently. Donna and Nathan discuss how your tax liability is calculated on different types of income, including: social security, pensions, dividends and interest, capital gains, retirement accounts, life insurance proceeds, annuities, and real estate sales.
Hosts: Donna Sowa Allard, CFP®, AIF® and Nathan Beauvais, CFP®, CIMA®, CPWA®
What Do I Do With My 401(k)?
When leaving a job, many people choose to roll over their existing 401(k) to an IRA, but what you may not know is that there can be benefits to leaving your money where it is. Donna takes us through some of the considerations when deciding what to do with your old 401(k). Also on MoneyTalk, how to determine if you need long-term care insurance, and the benefits of having a trust.
Host: Donna Sowa Allard, CFP®, AIF®
Sorting Out Social Security
Social Security is a core component of most Americans’ 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, understanding tax categories and target date funds.
Hosts: Donna Sowa Allard, CFP®, AIF® and Nathan Beauvais, CFP®, CIMA®
How to Interview an Advisor
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 new financial advisor.
Hosts: Donna Sowa Allard, CFP®, AIF® and Nathan Beauvais, CFP®, CIMA®
Trends in Retirement
We often talk about how retirement is changing, and for those retiring soon, it may be a good idea to revisit some of those assumptions that you made during the early days of your retirement planning. Donna and Nathan discuss current trends in retirement, including living longer than expected, retiring earlier than planned, working part time in retirement, expanding 401(k) options, and more. Also on MoneyTalk, the exponential impact of auto escalation of 401(k) contributions.
Hosts: Donna Sowa Allard, CFP®, AIF® and Nathan Beauvais, CFP®, CIMA®
Finding Your Work/Life Balance
Burnout is all too common in corporate America today, and for those trying to decide if it’s 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, CFP®, CIMA®; Guest: Dave Lubelczyk