Podcast appearances and mentions of Wes Moss

The Next Big Shift in Retirement Investing For decades, your 401(k) has meant stocks and bonds — but that's about to change. Wes Moss dives into a major shift coming to retirement investing: private equity entering your 401(k). Private equity could open the door to investing in the other 87% of the U.S. economy — but should you be excited or cautious? Wes explains what this new era of 401(k) investing might really look like. Mentioned on the show: Wall Street Is Pushing Private Assets Into 401(k)s. We Asked Whether Anyone Wants Them.Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the October 21, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Bull Market Turns 3: Can It Keep Going? and the Truth About Feeling Financially “Set” We've hit the three-year mark of this bull market — stocks are up, dividends are strong, and history tells us there could still be room to run. But what happens next? Wes Moss breaks down the data and explains what history says about how long bull markets typically last — and why patience and balance matter most right now. Also, Wes explores what it really means to be financially “set” — and why that doesn't always mean being settled. Whether you have $100,000 or $10 million, peace of mind comes from having a plan — and revisiting it often. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the October 14, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Wall Street may love its complex jargon, but Wes Moss and Jeff Lloyd try to simplify financial planning with insights designed to help listeners make informed decisions. This episode of the Money Matters Podcast reviews market trends, retirement planning, and tax considerations within the context of long-term wealth management. • Examine how the three-year bull market has affected the S&P 500's market capitalization and consider historical market trends. • Review 2026 tax brackets and expanded income thresholds to understand potential implications for tax planning and retirement planning. • Compare performance of dividend stocks, bonds, and gold over the past three years to provide context for portfolio management. • Observe wealth concentration among top earners and its effect on average investment outcomes. • Consider historical bull market durations and average returns to provide perspective for financial planning. • Identify patterns in all-time highs as part of broader stock market momentum analysis. • Analyze current valuations of mega-cap tech and AI-driven companies within the context of long-term market trends. • Explore price-to-earnings ratios across small, midsize, and large S&P 500 firms for insight into portfolio diversification. • Monitor labor market slowdowns, cooling home prices, and Federal Reserve actions as factors influencing economic conditions. • Verify AI-generated financial information to support accurate research and planning. • Track inflation adjustments and updates to tax and capital gains brackets that may affect retirement planning and tax planning. • Assess periodic portfolio rebalancing as one approach to align with risk tolerance and retirement objectives. • Understand the value of a tailored financial plan to support long-term financial well-being. • Examine strategies for addressing common retirement concerns, including market variability, withdrawal considerations, and legacy planning. • Review upcoming consumer stimulus and potential effects of macroeconomic events, including the World Cup and monetary policy updates, on financial planning decisions. Stay informed on retirement planning, portfolio management, and market trends—listen to this episode of the Money Matters Podcast. Subscribe to Wes Moss and Jeff Lloyd for ongoing financial insights designed to help you make informed decisions with perspective and clarity.

Is Inflation Good or Bad for the Market? and the $5 Million Dollar American Dream The market loves a "Goldilocks" environment, but what is the magic number for inflation that delivers the highest stock returns? Wes dives into the data to show how inflation rates directly impact your portfolio. Also, Investopedia put a price tag on the American Dream, but Wes has a reality check. Find out what you need to earn over your working career to afford a home, raise kids, pay for college, and reach the "Green Zone" in retirement. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the October 7, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Explore retirement and financial planning with Wes Moss and Jeff Lloyd on the Money Matters Podcast! Gain research-informed insights that can help you consider how economic trends and personal decisions may influence your long-term financial journey. • Examine historical patterns of government shutdowns on the economy and stock market since 1976, and observe how the S&P 500 has generally responded during these periods. • Assess rising living costs—including housing, healthcare, and childcare—and how they may affect retirement preparedness. • Explore the "retirement squeeze" in Goldman Sachs and Investopedia reports, and evaluate what the $5 million American dream represents today. • Compare savings strategies and consider the potential benefits of starting investments early. • Learn about the Year Zero Savings Plan, which initiates retirement savings from a child's first year. • Review SECURE Act 2.0 updates allowing certain 529 plans to convert into Roth IRAs under specific conditions. • Consider how delayed milestones—homeownership, marriage, parenthood—may influence retirement timelines. • Analyze Q3 stock market trends and sector performance for context on current conditions. • Explore ideas that may support thoughtful retirement planning at any stage of life. Listen and subscribe to the Money Matters Podcast for research-informed perspectives on retirement and investing, and consider how these insights could apply to your own financial planning decisions.

Explore practical retirement planning strategies and gain clarity on key financial decisions in this engaging episode of the Retire Sooner Podcast. Wes Moss and Christa DiBiase discuss common questions and considerations for savers and soon-to-be retirees, providing perspectives on investment options and long-term planning frameworks. • Discover how a focused 30-minute financial conversation between spouses about income, assets, and liabilities can reduce uncertainty and help families feel more organized and informed in their money matters. • Understand why nearly half of Americans do not have a written financial plan and what this may indicate for retirement preparedness. • Clarify retirement account protections within TSPs, along with rules for required minimum distributions (RMDs) and available investment options after age 73. • Examine UTMA and UGMA accounts for minors, including potential tax implications, gifting considerations, and impact on financial aid eligibility. • Consider when a financial planner may be appropriate, approaches to managing planning-related FOMO, and the features of advisory services offered by various firms. • Explore the 0.01% Rule of thumb and how it may guide thinking about saving versus spending without implying specific outcomes. • Review historically effective withdrawal rates, including whether a paid-off home could influence planning assumptions and evolving perspectives on the 4% rule of thumb. • Assess strategies such as “buy, borrow, die”, including potential tax considerations, leverage, and portfolio risk factors. • Compare keeping assets in a TSP for Roth conversions versus transferring them to another custodian, considering fees and investment options. Gain perspective and knowledge to help support thoughtful retirement planning decisions—listen now to the Retire Sooner Podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Crucial Financial Conversation Everyone Needs To Have NOW and Brand New Money Rule When was the last time you talked to a family member or loved one about your finances? Wes shares an important financial conversation warning that stems from a tragic and immediate crisis. Wes explains how a simple, 30-minute conversation could have prevented weeks of crippling anxiety – and what you need to do ASAP to prepare yourself and your family. Also, there's a brand new money rule of thumb: The 0.01% Rule. Clark's listeners are famous for their frugality, but Wes argues there's a tipping point where we spend too much energy worrying about small expenses. This mathematical rule helps you decide when to open your wallet without regret. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 30, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Ready to cut through the noise and get clear on today's financial markets and retirement planning trends? On this episode of the Money Matters Podcast, Wes Moss and Connor Miller share perspectives on market performance, economic updates, and planning frameworks that can help inform your financial decision-making. • Review how the S&P 500's recent run compares to historical stock market returns. • Reflect on how past market performance can offer perspective, while recognizing it does not predict future results. • Learn about the 0.01% Rule—a spending framework designed to encourage intentional financial choices tied to net worth. • Explore the balance between frugality and valuing your time in retirement. • Look at recent updates on interest rates, mortgage rates, job market data, and rental prices. • Understand how Federal Reserve policy decisions interact with interest rates across the economy. • See how seasonal stock market patterns have varied since 1928. • Compare dividend-paying stocks with broader indexes in different market environments. • Hear perspectives on the role of artificial intelligence in financial planning, including its potential and limitations. • Access retirement planning resources that can help you bat different stages of life. Stay informed about the economic forces that shape your financial world. Listen and subscribe to the Money Matters Podcast to keep learning each week.

Gain a clear perspective on retirement planning in this episode of the Retire Sooner Podcast, hosted by Wes Moss and Christa DiBiase, where listener questions meet the latest financial planning insights. Discover practical considerations that can help inform decisions about your long-term financial strategy. • Examine how the Federal Reserve's interest rate cut may influence mortgages, loans, and stock market activity. • Understand why homeowners may appear “locked in” to current mortgage rates and explore potential shifts in housing trends. • Explore how the Fed balances inflation with employment data and what this could mean for your financial outlook. • Review historical stock market outcomes following Fed rate cuts near all-time highs. • Consider strategies for small business growth, including business checking accounts and high-yield options. • Compare dividend reinvestment with manual reallocation to assess approaches for your retirement phase. • Navigate backdoor Roth IRA contributions, conversions, gains, and tax-efficient dollar-cost averaging. • Address common retirement questions and explore planning steps that may provide financial clarity. • Benchmark savings against national averages and examine actionable retirement milestones. • Utilize spousal IRAs to maintain contributions while transitioning toward retirement. • Understand 72(t) IRA withdrawals and evaluate flexibility for early retirement considerations. • Assess ultra-high-yield ETFs and review the potential risks of concentrated portfolios. Listen and subscribe to the Retire Sooner Podcast to stay informed and explore considerations that can support your financial planning and retirement goals. Learn more about your ad choices. Visit megaphone.fm/adchoices

What a Fed Rate Cut Means for Your Money and #1 Financial Fear (and How To Beat It)The Fed just cut rates. What does this mean for your money? Wes breaks down what the latest Fed rate cut means for your personal finances. He discusses how a drop in rates impacts everything from mortgage rates and the housing market to your investment portfolio. Plus, Wes shares his insights on the biggest financial fear for many Americans and offers a simple solution to gain clarity and peace of mind. Mentioned on the show: Rule 72(t): Secret Rule To Access Your IRA Early Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 23, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS     Wes Moss, CFP®  /  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Looking for a clear perspective on retirement, investing, and the economy? Wes Moss and Jeff Lloyd bring real-world conversations designed to add clarity and context to today's financial headlines. • Unpack the latest Fed rate cut and what it may mean for loans and markets. • Question what Jerry Greenfield's exit from Ben & Jerry's suggests about values-driven business. • Compare today's mortgage rates with record lows and see why many homeowners may feel “locked in.” • Understand the tight housing market and its implications for buyers and sellers. • Examine how markets have historically reacted after rate cuts, backed by data. • Reflect on the psychological effects of inflation and volatility, and explore ways to maintain perspective. • Apply foundational retirement planning principles like the 4% rule of thumb, the rich ratio, and diversification. • Revisit your financial plan to adjust for rising costs and shifting markets. • Explore why concerns about running out of money can affect savers at every wealth level, and what factors may ease those concerns. • Anticipate how potential stimulus and tax refunds could influence consumer spending. Stay informed. Stay engaged. Listen to the Money Matters Podcast today—and subscribe to keep your financial knowledge up to speed.

Gain clarity on investing and retirement planning with this engaging episode of the Retire Sooner Podcast, hosted by Wes Moss and Christa DiBiase. Whether you're navigating strong markets or uncertainty, this conversation provides frameworks and explanations to help support your retirement planning. • Unpack five pillars of investing that may guide decision-making across both strong and volatile markets. • Clarify how capital gains tax rates work, including how some investors may stay in the 0% long-term bracket under current tax law. • Address listener questions on diversification, from S&P 500 funds to total market and international fund considerations. • Examine how required minimum distributions (RMDs) may fit into retirement withdrawals alongside concepts such as the 4% rule. • Break down cost basis options with Vanguard and explain how tax-loss and tax-gain harvesting may impact your returns. • Highlight the new, increased senior tax deduction window (2025–2028) and what it could mean for retirees. • Consider strategies for investing short- and intermediate-term savings for kids and teens by aligning time horizon with risk. • Evaluate why choosing a reputable investment custodian may matter and what questions can be asked about where assets are held. Stay informed and proactive—listen now and seek to expand your understanding of investing and tax planning. Subscribe to the Retire Sooner Podcast for weekly conversations designed to keep you engaged with today's financial landscape. Learn more about your ad choices. Visit megaphone.fm/adchoices

5 Pillars of Investing (Good Times and Bad) and How To Pay 0% on Capital Gains Investing in today's world can feel complicated, but it doesn't have to be. Fiduciary financial advisor Wes Moss breaks down the "5 Pillars of Investing" for both good times and bad. Also, he shares a powerful strategy to potentially pay 0% on your long-term capital gains, based on new tax law changes. Mentioned on the show: The 4% rule is now the 4.7% rule. Here's why that matters. There's a ‘golden opportunity' to pay 0% capital gains under Trump's ‘big beautiful bill,' experts say Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 16, 2025, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®   Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the clarity and confidence you need as Wes Moss, Connor Miller, and Christa DiBiase break down today's swirling economic landscape and answer your most critical money questions. This episode of Money Matters turns today's complex headlines and listener challenges into clear, actionable insights for retirement planning. • Track how today's economic crosscurrents—including recession chatter, jobs data, and inflation—may be shaping the outlook for U.S. growth. • Examine the importance of jobless claims, payroll growth, and recent BLS revisions that could shift how investors and retirees view the labor market. • Spot how declining mortgage rates and strong housing demand could provide potential tailwinds for the broader economy. • Measure the role of residential construction jobs as a potential recession signal and why current numbers may suggest stability. • Understand the impact of the coming 2026 consumer tax refund surge tied to new legislation and how it may influence household spending. • Break down how higher labor productivity and technological shifts like artificial intelligence could affect corporate profits and inflation trends. • Review listener Q&A on brokerage accounts, investment tools, tax-efficient withdrawals, mortgage decisions, and strategies for early retirement account access. • Compare the flexibility of withdrawals across Roth, 401(k), IRA, and brokerage accounts to support informed financial decision-making. • Clarify the rules for accessing retirement funds before 59½, including the Rule of 55 and 72(t) distributions, and what they may mean for both traditional and Roth accounts. Stay informed and proactive—listen now to strengthen your understanding of retirement, investing, and today's economy. Subscribe to the Money Matters Podcast for weekly conversations that keep you engaged with the latest financial and economic trends.

Curious how to manage your 401(k), Social Security, and retirement withdrawals in today's market? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase break down practical strategies for navigating retirement planning, taxes, and investment decisions so you can make informed choices for your financial future. • Examine why a strong stock market may not reflect the real economy and what seems to be influencing current market movements. • Break down company stock in 401(k)s and explore how net unrealized appreciation (NUA) can affect tax planning. • Explore listener examples of balancing Social Security benefits and retirement account withdrawals to create a thoughtful income plan. • Review early retirement rules, including 457 plans, 72(t) distributions, and the rule of 55, and how they often impact access to funds. • Analyze estate planning mistakes, even among high-profile cases, to understand potential pitfalls and planning considerations. • Compare brokerage accounts, investment research tools, and target-date funds to evaluate what may fit your individual situation. • Evaluate the trade-offs between mortgage payoff strategies and staying invested when interest rates fluctuate. • Clarify how Roth 401(k) and IRA withdrawal rules differ before age 59 ½ and what that could mean for accessing retirement funds. Gain actionable insights and considerations to help make informed retirement planning decisions. Listen now and subscribe to the Retire Sooner Podcast to stay updated on the key factors shaping today's financial planning and retirement strategies. Learn more about your ad choices. Visit megaphone.fm/adchoices

What Really Drives the Stock Market and Why Even Perfect Estate Plans Fail Have you ever wondered why the stock market seems to be doing great while the economy feels just... okay? In this episode, fiduciary financial advisor Wes Moss explains why the stock market often tunes out economic "noise" like geopolitical events and rising unemployment. He reveals the number one thing that drives stock performance -- and it's not what you think. Also, you've done all the right things: created a will, set up a trust, and made your wishes clear. So why do so many estate plans -- even those of celebrities like Jimmy Buffett -- end up in messy family feuds and court battles? Wes has the answer. Mentioned on the show: The Rule of 55: What Is It, How It Works Rule 72(t): Secret Rule To Access Your IRA Early Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 9, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Curious how sports valuations reflect broader financial trends? On this episode of Money Matters, Wes Moss and Jeff Lloyd break down the rising value of NFL teams—including the Atlanta Falcons—contrasting economic trends, and tax changes that could shape your financial outlook. • Track skyrocketing NFL team valuations and discover insights into broader financial trends. • Contrast corporate America's strength with the rising jobless claims in the broader labor market. • Review recent market performance and identify which sectors beyond technology are driving growth. • Examine the new OBBA tax bill and what its provisions could mean for retirees and families. • Navigate long-term capital gains brackets while considering strategies like tax gain and tax loss harvesting. • Consider a real-world hypothetical illustrating the new senior deduction and its potential impact on planning decisions. • Weigh the limitations of artificial intelligence in tax forecasting and the ongoing value of working with a CPA. • Explore top-performing stocks over the past 30 years and reinforce the benefits of broad portfolio diversification. Stay informed and proactive about your financial future. Listen and subscribe to the Money Matters Podcast today to keep gaining perspective and knowledge for a more confident retirement.

Ready to explore new perspectives on retirement planning? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase examine money, markets, and financial strategies, highlighting ways thoughtful planning may help support financial confidence. ·       Review how stock dividends have historically compared with bond interest over the long term. ·       Explain total return as the combination of growth and income, and discuss how it relates to inflationand purchasing power. ·       Compare the historical performance of stocks and bonds and outline the effects of compounding over decades. ·       Consider the role of bonds in a portfolio, particularly for those seeking stability and diversification. ·       Address listener questions on money supply, cash reserves, risk tolerance, and the potential influence of guaranteed income sources on retirement timelines. ·       Explore options for self-employed retirement savings, including the flexibility of solo 401(k) plans. ·       Reflect on the psychological value of having a financial plan during periods of market uncertainty. ·       Highlight trends in U.S. manufacturing productivity, including the impact of AI, robotics, and Midwest innovation. ·       Discuss approaches to balancing an emergency fund with retirement contributions, and review considerations around Roth accounts. ·       Examine practical examples of retirement-related decisions, such as early home purchases, Roth IRA conversions, and considerations for taxes, Social Security, and pensions. Gain insights into the discussions shaping retirement planning and investing today. Listen and subscribeto the Retire Sooner Podcast to explore more perspectives that can help guide your financial journey. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Power of Dividend Growth Explained and Is the Midwest the Next Silicon Valley? Should we fall in love with dividends? Fiduciary financial advisor Wes Moss tackles the classic debate of stocks versus bonds with a deep dive into the power of dividends. Using data going back 45 years to 1980, Wes reveals how an investment in the S&P 500 would have dramatically outperformed bonds, with dividends growing by an incredible percentage. Also, Wes shares a fascinating look at the future of American manufacturing. He draws a comparison between the 1950s and today, highlighting the huge growth in productivity and innovation. Wes argues that the next big frontier for economic growth might not be in Silicon Valley, but in the heart of the Midwest, thanks to modern-day "George Jetsons" and a renewed focus on high-tech manufacturing. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 2, 2025, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover the factors shaping productivity, markets, and the economy with Wes Moss and Connor Miller on the Money Matters Podcast. Stay informed and explore discussions about today's economic and financial landscape. • Hear how Labor Day connects to America's productivity trends and why cultural moments like football season and the Cracker Barrel logo can illustrate broader market sentiment. • Examine Nvidia's earnings and its growing role within the S&P 500. • Track revisions in U.S. GDP growth and what they could indicate about economic trends. • Explore how productivity continues to rise even as manufacturing employment shifts. • Reflect on technological advances once imagined by the Jetsons and how they relate to today's economy. • Review recent Federal Reserve actions, interest rate changes, and potential impacts on housing and first-time buyers. • Analyze corporate stock buybacks, for example by companies such as JP Morgan, Nvidia, Alphabet, and Apple, and consider distinctions between buybacks and dividends. • Compare historical stock and bond performance over 45 years, including long-term trends, income, and inflation considerations. • Observe how bonds contribute to portfolio stability and how diversification has historically enhanced resilience during market downturns. • Highlight trends in American manufacturing and how Midwest companies contribute to productivity trends. • Assess the expansion of ETFs, shifts from mutual funds, and what the variety of available funds suggests for investors. • Hear from Wes Moss, Connor Miller, and the Money Matters team about topics shaping markets and economic trends. Listen and subscribe to the Money Matters Podcast to hear discussions about markets, investing, the economy, and financial topics shaping today's world. Stay informed and stay engaged with the conversations that seek to provide perspective on today's economic landscape.

Discover how money choices today can influence your financial confidence and retirement happiness in this engaging episode of the Retire Sooner Podcast with Wes Moss and Christa DiBiase. Gain perspective on retirement planning strategies, Social Security rules, tax considerations, and investing trends that could shape your financial journey. • Examine how large IRA withdrawals—such as those used for home renovations—can affect Medicare premiums, and consider strategies to help manage taxable income. • Break down the concept of tokenization in investing as Robinhood and the SEC highlight this trend, and think about the possibilities for fractional ownership in the future of investing. • Weigh the trade-offs between applying rental income toward your mortgage principal versus investing it for long-term retirement flexibility. • Clarify how Social Security survivor benefits may extend to grandchildren, what dependency rules apply, and why guardianship status alone may not be enough. • Review why withdrawal planning and tax awareness—including the value of professional guidance—remain key components of effective financial planning for retirement. • Learn how capital gains tax brackets work and why timing investment sales can play a role in overall tax outcomes, especially for families with changing incomes. • Assess the role of REITs (Real Estate Investment Trusts) within a diversified investment approach and what to weigh when considering them as part of your retirement income plan. • Explore the growing use of artificial intelligence in financial planning, from investment research to estate modeling, while keeping in mind its potential benefits and current limits. Stay informed, stay engaged, and stay confident in your path forward. Listen and subscribe to the Retire Sooner Podcast for thoughtful conversations that support a fulfilling retirement journey. Learn more about your ad choices. Visit megaphone.fm/adchoices

A retired couple's home renovation plans nearly triggered a massive, hidden cost that no one wants to pay: the Income-Related Monthly Adjustment Amount (IRMA). Fiduciary financial advisor Wes Moss breaks down how a simple plan to pay for a renovation could have led to thousands of dollars in extra Medicare premiums and what you can do to avoid a similar fate. Also, Wes dives into the world of AI and financial planning. He explains why AI is a powerful tool for analysis, but warns against using it as a fortune teller. Find out how you can use AI to your advantage while avoiding the dangerous pitfalls of letting it make your big financial decisions for you. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 26, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Prepare for an engaging look at today's markets and the evolving world of retirement living on this episode of Money Matters! Wes Moss and Jeff Lloyd unpack key economic signals before Wes sits down with senior living specialist Jen Franks to explore retirement care and housing options with clarity and practicality. Analyze how Jerome Powell's dovish speech at Jackson Hole may have influenced markets and what it might suggest for potential Fed rate changes. Evaluate housing trends as a driver for U.S. economic growth and what rising building permits may indicate. Examine the Cracker Barrel logo controversy and learn how market sentiment can sometimes affect stock performance independently of business fundamentals. Review labor data and immigration shifts to understand their possible impact on employment and the Fed's cautious approach to inflation. Clarify the meaning of the neutral rate and its potential implications for interest rates and financial planning. Comprehend the difference between “restrictive” and neutral rates and how each has affected savers, borrowers, and retirees in the past. Assess the effects of tariffs on inflation and why the Fed may maintain a “wait and see” stance. Explore potential shifts in Fed leadership in 2025 and the possible influence on monetary policy. Discover the distinctions between independent living, assisted living, memory care, and CCRCs with the insights and experience of Jen Franks' from Serving Seniors. Compare senior living costs across luxury and mid-tier options, highlighting amenities, services, and care levels included. Investigate rental versus buy-in models for retirement housing and the role of personal finances in selecting an effective fit. Recognize the importance of early financial preparation for senior care and strategies to manage compressed planning timelines. Identify ways adult children can support aging parents in selecting appropriate senior living arrangements when time is limited. Stay informed and empowered for retirement planning, market awareness, and family financial decisions. Listen now and subscribe to the Money Matters Podcast for practical, clear insights on your wealth, retirement, and future.

Get ready to rethink retirement with Wes Moss and Christa DiBiase as they examine the realities of investing, financial security, and planning for a fulfilling future. This episode of the Retire Sooner Podcast delivers actionable insights, practical frameworks, and real-world examples to inform your retirement planning decisions. Hear a retirement story illustrating how asset allocation strategies can change over longer time horizons. Explore how retirees might evaluate investment choices when guaranteed income streams exceed spending needs. Question the traditional “own your age in bonds” rule and consider how personal comfort with market risk can shape retirement planning. Understand the Federal Reserve's influence on interest rates and what rate changes may mean for savings, housing, and the broader economy. Examine the inverted yield curve and consider historical patterns regarding economic slowdowns. Identify market sectors, including consumer staples and utilities, that may show relative stability during market fluctuations. Clarify misconceptions about global stock market capitalization and assess how international diversification may fit into a retirement plan. Review the 6% test as a framework for comparing pension lump sum options and monthly payments. Consider wealth-building benchmarks and habits for younger savers that support gradual accumulation over time. Explore irrevocable trusts and other legal strategies that may help manage and protect certain assets. Listen as Wes and Christa address listener questions covering retirement planning considerations across different life stages. Empower yourself with knowledge and thoughtful considerations for your financial future. Listen and subscribe to the Retire Sooner Podcast for weekly discussions on investing, retirement planning, and financial security

Why This Retired Couple Is Still 70% in Stocks and Will the Fed Start Lowering Rates? A retired couple in their 80s has big pensions, no debt, and a significant amount of their portfolio in stocks. While traditional wisdom suggests being more conservative with age, find out why they have an “infinite time horizon,” as fiduciary financial advisor Wes Moss explains. Also, the Federal Reserve is the engine of the U.S. economy, and its decisions on interest rates have massive ripple effects, from the housing market to your savings account. With the latest inflation and jobs reports suggesting a cooling economy, Wes explains why we may be at the end of the "higher for longer" era. He also provides a critical heads-up for savers. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 19, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Get plugged into the conversations shaping today's markets and retirement strategies on the Money Matters Podcast with Wes Moss and Connor Miller. This week's episode packs timely economic insights with practical planning concepts to help you approach financial decisions with clarity and confidence. Examine key economic signals ahead of the Federal Reserve's upcoming meeting and consider potential effects from shifting interest rates. Compare the Consumer Price Index (CPI) and Producer Price Index (PPI) to better understand what current inflation data may indicate for household budgets. Interpret the VIX “Chill-ometer” to understand today's market volatility readings and their possible implications for investors. Assess how tariffs can influence inflation and why certain price changes could be temporary. Follow the path of rising producer costs to the checkout counter with clear, everyday examples. Review which categories—such as groceries, utilities, and textbooks—are experiencing the largest price increases this year. Outline the pillars of income investing, including multi-asset approaches, withdrawal rates, dividend growth, the dry powder principle, and tax efficiency. Discuss the 4% withdrawal guideline as one possible framework within retirement planning. Highlight how dividend growth may contribute to increasing income potential over time, including the concept of “yield on original cost.” Explain the role of dry powder, or safety assets, in navigating market downturns. Explore portfolio approaches that take tax efficiency into account, such as asset location and tax-loss harvesting. Stay informed with the Money Matters Podcast, where current market developments meet practical retirement planning perspectives. Listen now and subscribe to keep up with the conversations that can shape your financial thinking.

Wes Moss is a Certified Financial Planner practitioner and the author of “What the Happiest Retirees Know.” In Part 2 of this conversation with Robert Brokamp, Wes discusses the non-financial keys to a fulfilling retirement and whether more people should retire sooner. Also in this episode: -Chaos at the IRS -Credit card delinquencies are rising, and rates are sky-high -Tools to optimize your Social Security claiming strategy -How to determine whether your mutual fund is winning Host: Robert Brokamp Guest: Wes Moss Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Tired of sifting through retirement noise and myths? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase unpack practical strategies and honest conversations to help you navigate your retirement journey with confidence—wherever you may stand today. • Question what "Is the 60/40 Dead?" means for balanced investing and consider how classic stock/bond allocations might still fit modern portfolios. • Analyze the evolution of balanced portfolios and prioritize flexibility and personalization to match your unique goals. • Evaluate the benefits of working with a fiduciary advisor versus managing a low-cost index fund portfolio on your own. • Clarify the mechanics of Roth conversions, including tax management, employer plan rules, and common pitfalls like the pro rata rule. • Assess the advantages and drawbacks of using self-directed brokerage windows within your 401(k) and identify key considerations. • Uncover the realities behind the Great Wealth Transfer and plan for receiving and leaving inheritances thoughtfully with estate planning insights. • Emphasize the importance of communicating family values and wishes about money to help facilitate smoother inheritance discussions. • Compare the tax efficiency of target-date ETFs versus mutual funds when shaping your taxable investment approach. • Decode fully paid lending programs from brokerages such as Fidelity and weigh the implications of loaning your stock holdings. • Consider appropriate asset allocations for elder care responsibilities when acting as a power of attorney, factoring in rising costs and longevity. Empower your retirement future with practical, actionable knowledge from this episode. Listen and subscribe to the Retire Sooner Podcast to stay informed on real-world financial strategies that may help support your goals. Learn more about your ad choices. Visit megaphone.fm/adchoices

Is the 60/40 Rule DEAD? and Inheriting Money The Right Way Is the 60/40 investing rule dead? Fiduciary financial advisor Wes Moss tackles this question by looking back at research and revealing what a $500,000 portfolio would look like today. He shares why balanced investing is still critical for a comfortable retirement. Also, with the largest wealth transfer in history underway, Wes provides a reality check on inheriting money. He gives you a simple checklist for receivers and givers to make sure you're prepared. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 12, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Navigate the shifting landscape of today's economy in this episode of the Money Matters Podcast with Wes Moss and Jeff Lloyd. Get clear, timely conversations on the trends, policies, and market forces shaping your wallet, your investments, and your financial decisions—without the noise or jargon. • Examine how signs of a cooling job market could influence interest rates and financial planning considerations. • Review the ongoing reliability of Bureau of Labor Statistics (BLS) job reports, noting that while methodologies can evolve, the agency remains a trusted source for employment data. • Explore the rapid expansion of gig and part-time work and how it challenges long-standing measures of labor market health. • Track how labor market changes ripple through inflation, wage trends, and the Federal Reserve's approach to interest rates. • Unpack the implications of new global tariffs, including exemptions benefiting U.S.-based manufacturing, and why companies like Apple may be committing major investments domestically. • Discuss how a more balanced labor market could ease wage inflation pressures and influence future Fed decisions on rate adjustments. • Analyze the growing role of artificial intelligence and automation in reshaping entry-level job opportunities and long-term career paths. • Review recent shifts in mortgage rates, including recent declines, and how they may impact affordability for buyers and homeowners. • Compare unemployment rates between the broader workforce and recent college graduates entering the job market. • Highlight how college tuition growth continues to outpace general inflation, reinforcing the importance of planning ahead for education expenses. • Identify key financial milestones—such as paying off a mortgage or funding a child's education—that may signal greater financial readiness for retirement. • Reaffirm the value of multi-asset class income investing and how diversified, steadily growing income streams can possibly help maintain purchasing power over time. Press play and get the context you need to approach your financial journey with clarity. Listen and subscribe to the Money Matters Podcast today so you never miss a conversation that matters.

For more than a decade, financial advisor and author Wes Moss has surveyed people near and in retirement. In Part 1 of this two-part discussion with Robert Brokamp, Wes shares the financial and non-financial metrics and habits of the happiest retirees. Also in this episode: - How the current bull market compares to those of the past - Estimates for the future returns from stocks - How to make more on your cash Tickers discussed: SGOV Host: Robert Brokamp Guest: Wes Moss Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Kickstart your journey to a happier, earlier retirement with this high-energy episode of the Retire Sooner Podcast, where Wes Moss and Christa DiBiase tackle real listener questions and spotlight flexible strategies that could help you build a more confident retirement plan. Whether you're in your 40s, 50s, or beyond, get motivated to consider meaningful actions—starting now. • Jump-start your savings approach in your 40s and 50s, even if you're just beginning to focus on retirement. • Unlock the “50+ Retirement Catch-Up Toolbox” with tools like Roth conversions, HSAs, and enhanced contribution limits. • Discover what's ahead with new “super catch-up” contribution rules and upcoming IRS changes that may impact your planning. • Maximize your Social Security outlook by understanding how the timing of withdrawals could influence your benefits. • Hear how annuities and home equity were discussed as potential components in long-term financial planning. • Tune in to real-world stories from listeners managing late-in-life parenting, mortgages, and the pursuit of financial independence. • Reconsider the risks and rewards of penny stocks with a balanced conversation about their place in a retirement portfolio. • Weigh the role of pensions in your overall asset allocation for a more personalized investment approach. • Rethink your withdrawal game plan with a closer look at the 4% rule—its origins and relevance today. • Confront concerns around global exposure by reviewing how emerging markets and China-related investments might affect your portfolio. • Strengthen your retirement mindset with income-focused planning designed to help support a more stable financial future. Get energized with actionable ideas and relatable stories that help make retirement planning feel more approachable.

Catch-Up Secrets for Savers 55+ and Does the 4% Rule Really Work? Are you 55 or older and feeling behind on retirement savings? Or perhaps you're wondering how to make your money last once you do retire? Fiduciary financial advisor Wes Moss dives deep into crucial strategies for those 55 and up, including powerful "catch-up" contributions for your 401(k), IRA, and HSA that can add thousands to your nest egg. Also, Wes also reveals the often-debated but incredibly powerful 4% rule, explaining why it's a critical guideline for sustainable retirement withdrawals and how it can reduce your anxiety about running out of money. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 5, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Stay Informed and Empowered in Today's Shifting Economy. Get ready to navigate today's retirement landscape with clarity and confidence. In this episode of the Money Matters Podcast, Wes Moss and Connor Miller unpack timely economic developments and explore how they may shape your financial decision-making. • Understand the latest Federal Reserve decisions, including two rare dissenting votes. • Break down recent GDP data to examine what may be contributing to—or obscuring—economic growth. • Track shifts in consumer sentiment and housing trends to see how affordability and inventory constraints could be affecting real estate dynamics. • Analyze the current interest rate and inflation environment, and consider potential implications for borrowing and investing. • Spot patterns in manufacturing, employment, and corporate earnings that may influence broader market behavior. • Examine the growing role of artificial intelligence—from market momentum to its potential reshaping of the job market and career resilience. • Explore how multi-asset income strategies are being used to support income needs and respond to market concentration and inflation risk. • Apply the CHIME framework—Consumer sentiment, Housing, Interest rates, Manufacturing, and Employment—to help interpret today's economic signals with a structured lens. Stay engaged with insights that aim to inform, not predict. Listen and subscribe to the Money Matters Podcast to stay educated, aware, and confident in your long-term financial planning.

Think you might be richer than you realize? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase examine realistic benchmarks and practical frameworks for retirement planning. • Define what the “rich ratio” means and consider how it may reframe your retirement outlook. • Compare your savings habits to U.S. medians to understand the broader landscape. • Acknowledge that building wealth typically occurs over long periods and that consistency can be meaningful. • Discuss research on how happiness and financial confidence often plateau beyond certain savings levels. • Evaluate the roles of traditional and Roth IRAs, 457(b)s, pensions, and brokerage accounts to support flexibility. • Identify scenarios where a standalone brokerage account may be unnecessary for certain savers. • Consider a target date fund allocation approach that may better align with your stated risk tolerance. • Weigh convenience, costs, and tax features of index mutual funds versus ETFs, including changes following a major fund industry patent expiration. • Clarify how the Net Unrealized Appreciation (NUA) rule for company stock in 401(k)s works and where tax treatment can differ. • Review key factors when choosing between a state pension plan and a self directed plan for teachers and public employees. • Position specialized pension income, including Railroad Retirement, as part of a base income layer within an overall plan, subject to program rules. • Incorporate year round tax planning as a component of a well documented retirement strategy, noting that individual circumstances vary. Listen and SUBSCRIBE to the Retire Sooner Podcast for weekly educational conversations that can inform more confident financial decision making. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are You Richer Than You Think? and This Little-Known Strategy Can Save You a Ton in Taxes Do you feel rich? Fiduciary financial advisor Wes Moss breaks down how to calculate your “rich ratio” and reveals surprising signs you're wealthier than you realize. Plus, discover the little-known NUA rule – a potential tax-saving strategy that could save you thousands on your 401(k)! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 29, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Think you know the rules of thumb for retirement and investing? Think again. On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase examine common money myths and respond to listener questions that may reshape how you approach your financial future. What you'll explore in this episode: • Begin investing at any income level by seeing how access to markets has evolved. • Focus on long-term participation instead of trying to perfectly time the market. • Revisit the role of cash in your strategy and reflect on whether “cash is king” still holds. • Understand why not all bonds carry the same level of risk, despite common assumptions. • Consider how long-term investing differs from gambling based on historical probabilities. • Explore modern tools and AI platforms that can support your portfolio analysis. • Avoid the comparison trap by staying grounded in your personal financial goals. • Compare the potential uses of whole life insurance versus long-term investing in special needs planning. • Remember that market declines only become losses when assets are sold. • Recognize the limitations of using past performance to estimate future outcomes. • Examine whether real estate consistently appreciates by looking at real-life exceptions and patterns. • Shift your perspective from outperforming the market to maintaining a long-term plan. • Emphasize the importance of hobbies and social connections alongside financial readiness in retirement. • Track your accounts and consider when changes to a managed portfolio may be appropriate. • Reassess how supplemental funds—like vacation accounts—fit into your broader plan and tax picture. • Simplify charitable giving by analyzing options such as donor-advised funds and intentional planning.

10 Financial Myths That Are Costing You Money Are you falling for common financial myths that are holding back your wealth? Fiduciary financial advisor Wes Moss debunks 10 prevalent financial misconceptions that could be costing you big time! 10 Investing Myths That Are Costing You Money Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 22, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Take the next step in your retirement planning. Tune in to the latest episode of the Retire Sooner Podcast with Wes Moss and Christa DiBiase, where you'll hear thoughtful, real-world insights designed to help you make informed financial decisions and pursue a more confident, purposeful retirement. • Explore ways to optimize Social Security benefits, including timing strategies, spousal considerations, and personalized withdrawal approaches. • Understand common sources of retirement anxiety, even among high-net-worth individuals, and consider approaches for managing emotional and financial uncertainty. • Learn how trusts can support estate planning goals, from avoiding probate to managing real estate assets within your long-term financial plan. • Consider retirement account strategies such as the Rule of 55, Roth conversion timing, and prioritizing tax-efficient cash flow. Review your investment mix by comparing target date funds and balanced funds, and evaluate which may better align with your risk tolerance and retirement timeline. • Weigh different withdrawal strategies by comparing the timing of distributions from retirement accounts versus claiming Social Security. • Examine how 529 plans and Roth IRAs may fit into your education and retirement planning—especially if you're part of a high-income household navigating recent tax law changes. Compare the structure and features of S&P 500 mutual funds and ETFs to help determine which may be more appropriate for your investment preferences.

Best Time To Take Social Security and Why Target Date Funds Are Good, but Not Perfect What's the best time to take Social Security? Fiduciary financial advisor Wes Moss breaks down several scenarios to help you optimize your Social Security check. Also, target date funds have long been a popular option as a “set it and forget it” easy button for investing. Wes shares why this “TV dinner” of investing is a good – but not perfect – option. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 15, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Retire Sooner podcast, Wes Moss and Christa DiBiase respond to listener questions and explore practical approaches to navigating retirement, investing, and financial planning. • Discover a common Roth IRA misstep that can lead to unexpected taxes in retirement and learn how to approach it with more clarity. • Explore the process of rolling over a Roth 401(k) into a Roth IRA and how the five-year rule of thumb might impact your withdrawal timeline. • Hear real-world scenarios that highlight different outcomes based on how long your Roth accounts have been in place. • Understand how to approach IRA rebalancing, including what to consider when dealing with concentrated stock positions and market changes. • Compare Social Security and police pension benefits while examining updates to the Social Security Fairness Act and what it could mean for spousal coverage. • Consider the use of retirement income projection tools and how applying more conservative assumptions may help you plan with greater confidence. • Reflect on a “retirement love letter” that reveals three powerful themes behind a fulfilling retirement: financial flexibility, lifestyle design, and intentional planning. • Follow the story of a couple who built a $6 million net worth, established six income streams, and prioritized meaningful pursuits and family in retirement. • Explore why consistent movement and a sense of adventure are strongly connected to retirement satisfaction—and how shared community living can sometimes support both. • Examine how changing family dynamics may shift your highest spending years later in life and why it matters for long-term planning. • Get a clearer understanding of buffered index-linked notes, including their structure, potential costs, and how they differ from ETFs and other options. • Learn how to calculate the present value of a pension using basic inputs such as years of service and average salary. • Hear answers to more listener questions, including how stay-at-home spouses may qualify for Social Security and what pensions might mean for younger professionals. Listen now to explore thoughtful planning strategies, real retirement stories, and insights that can help you design a future with more purpose and peace of mind. Learn more about your ad choices. Visit megaphone.fm/adchoices

Avoid This Potentially BIG Roth Blunder and 3 Keys to Happy Retirement Success Don't make this potentially HUGE Roth mistake! Fiduciary financial advisor Wes Moss reveals a little-known rule about rolling over your Roth 401(k) into a Roth IRA that could cost you big. If you've only contributed to a Roth 401(k), you need to hear this to avoid a costly blunder with the 5-year rule. Also, Wes recently received a retirement love letter from a couple who are self-proclaimed “happiest retirees on the block.” He shares the letter and the big keys to happy retirement success. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 8, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase explore the role of dry powder assets in retirement planning and revisit “FOMO Freddie”—a cautionary character representing the risks of chasing investment trends without a long-term strategy.

The Secret to Consistent Investing and Your Financial Safety Net for Any Market Are you tired of "FOMO Freddie" always bragging about his latest hot investment? Fiduciary financial advisor Wes Moss reveals why chasing market trends is a dangerous game and how sticking to your investment style is the key to long-term success. We'll dive into the perils of FOMO investing and show you what happens when you jump from one "best" strategy to the next. Also, Wes breaks down the critical concept of "dry powder" – what it is, why you need it, and how it acts as your ultimate financial buffer during market downturns. Learn about the different types of liquid safety assets that can protect your portfolio and give you peace of mind, no matter what the economy throws your way. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 24, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Secret Rule To Access Your IRA Early and Top 9 Things That Bring Joy in Retirement If you want to retire early, this rule can help! Fiduciary financial advisor Wes Moss breaks down the often-misunderstood Rule of 72(t). Discover how this IRS exception can allow you to access your IRA funds before age 59 ½ without incurring that hefty 10% early withdrawal penalty. Also, Wes dives into groundbreaking research on what truly brings joy and purpose in retirement. Wes shares surprising (and not-so-surprising) truths from his latest study of over 1,200 Americans. He reveals the top categories that consistently lead to a more purposeful and joyful post-career life. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 17, 2025, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Do Retirees Need To Track Stock Earnings? And This Rule Can Help You Retire Early If you're a retail investor or a happy retiree, should you be paying attention to corporate earnings? Fiduciary financial advisor Wes Moss dives into why earnings matter for both individual stock owners and index fund investors. Discover how the overall earnings of the S&P 500 influence market trends and whether you need to obsess over every quarterly report. Also, Wes breaks down the "Rule of 55," a lesser-known strategy that could help you access your retirement money sooner without penalties. Most people know about the Rule of 59 1/2, but Wes reveals the specific qualifications and conditions for utilizing the Rule of 55 with your 401(k). Learn how this rule could accelerate your path to retirement! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 10, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Investing in Gold: Smart Move or Mistake? and Will Entry-Level Jobs Disappear? Should you own gold? How much should you own? Fiduciary financial advisor Wes Moss breaks down the data and shares his take on investing in gold to help you determine if it belongs in your portfolio. Also, the CEO of a major AI company recently said that 50% of all entry-level white collar jobs will go away over the next 1-5 years. Could this prediction be right? It's possible. Wes explains what may happen and what we can do about it. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 3, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

10-Step Checklist BEFORE You Retire and How Spending Money in Retirement Actually Works Ready to retire? Fiduciary financial advisor Wes Moss walks you through the essential 10-point checklist you should complete before leaving the workforce. Also, Wes breaks down the often-confusing topic of spending money in retirement. How do you actually access your funds, and what's the smart way to manage different account types? Learn the strategic way to tap into your different retirement "buckets" to make your money last and minimize taxes. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 27, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are We in a Passive Investing Bubble? and Lump Sum Investing vs. Dollar Cost Averaging Is passive investing creating a stock market bubble? Fiduciary financial advisor Wes Moss dives into the rise of index funds, why they became so popular, and the potential concerns. Also, Wes covers a classic investing strategy: Dollar Cost Averaging (DCA). He explains how systematically investing over time can smooth out your cost basis and make investing less daunting, especially with a lump sum. We'll look at how DCA stacks up against investing a lump sum all at once – you might be surprised by the numbers! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 20, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices