The Clark Howard Podcast 02.10.26 Ask An Advisor With Wes Moss
24 snips
Feb 10, 2026 
Wes Moss, CFP® and author who specializes in retirement and market strategy, digs into why prices still feel high and how past inflation keeps resurfacing. He contrasts Growth versus Value stocks using an apple analogy and discusses tax-smart retirement moves, risk in concentrated company stock plans, and timing investments after an inheritance.
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Use Low-Income Years For Roth Conversions
- Convert taxable retirement balances to Roth gradually while staying in a lower tax bracket.
- Use retirement years with lower income to do Roth conversions up to your bracket limit.
Don't Rush To Move A 457 For Bonds
- Avoid rolling a 457 to a 401(k) immediately just to access bond withdrawals before age limits pass.
- Wait until you can withdraw penalty-free or when moving improves your withdrawal flexibility.
ESOPs Act Like Concentrated Private Stock
- Wes describes ESOP risk as owning concentrated private company stock that can swing wildly.
- He notes valuations are annual and illiquidity plus company-specific shocks can collapse ESOP value.
