The Clark Howard Podcast 11.04.2025 Ask An Advisor With Wes Moss
12 snips
Nov 4, 2025 Dive into the world of finance as Wes Moss exposes the hefty weight AI stocks hold in the S&P 500. He offers smart strategies for rebalancing your portfolio to mitigate risks. The episode also unpacks the new Social Security COLA increase, showing its impressive history of outpacing inflation since 1975. Plus, Wes demystifies the Social Security trust fund concerns and evaluates important considerations for retirement planning, like when to sell ESPP shares and the implications of Roth conversions for older adults.
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Keep Stocks But Diversify Exposure
- Don't abandon equities; instead rebalance and maintain long-term equity exposure to beat inflation.
- Consider equal-weight ETFs, small/mid caps, international stocks, and hold cash/bonds as dry powder.
How To Evaluate An ESPP Offer
- Evaluate an ESPP by checking the discount, required holding period, and your conviction in the company.
- Avoid overconcentration: limit total employer stock exposure to around 10% of your portfolio.
Use $1M As A Household Goal
- Treat the $1 million target as a household goal for a comfortable retirement, even if you're single.
- Adjust the target for lifestyle, cost-of-living, and whether major expenses are already paid off.