The Clark Howard Podcast 12.16.25 Ask An Advisor With Wes Moss
19 snips
Dec 16, 2025 
Wes Moss, a seasoned CFP® and financial advisor, shares insights on overcoming the psychological hurdle many retirees face when transitioning from saving to spending their retirement savings. He provides tips on creating a conservative withdrawal plan and reassures listeners about using the 4% rule. Wes also discusses upcoming changes in taxes for 2026, highlighting six key actions to potentially lower your tax bill. Plus, he emphasizes the importance of choosing the right financial advisor and expands on new uses for 529 plans.
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Create Emotional Insulation With Portfolio Design
- Ensure your portfolio is diversified and placed with guardrails so market swings don't force emotional decisions.
- Use allocation and planning to create 'emotional insulation' around large balances.
What Financial Advisors Actually Do
- Advisors primarily prevent big mistakes, manage taxes, create plans, and guide behavioral decisions rather than produce magic returns.
- Hire a fiduciary who understands you and provides holistic planning beyond portfolio picks.
Choose A Fiduciary Who Understands You
- Choose a fiduciary advisor to reduce conflicts of interest and focus on cost-efficient decisions.
- Ensure your advisor understands you, shows a comprehensive plan, and listens beyond portfolio performance.