The Clark Howard Podcast 08.12.25 Is the 60/40 Rule DEAD? and Inheriting Money The Right Way
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Aug 12, 2025 
Wes Moss, a fiduciary financial advisor and author of 'You Can Retire Sooner Than You Think', dives into the relevance of the 60/40 investment rule amidst today's market shifts. He argues that balanced investing remains essential for retirement security. With a historic $84 trillion wealth transfer on the horizon, Wes tackles the complexities of inheriting money and offers a practical checklist for both givers and receivers. Plus, he answers listener questions on navigating financial planning in these changing times.
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Current Bond Yields Improve Outcomes
- Interest rates today are meaningfully higher than a decade ago, which boosts bond yields inside balanced portfolios.
- Wes Moss notes the 10‑year Treasury moved from under 2% in 2013 to roughly 4.25% today, improving fixed‑income returns.
Keep An Advisor If You Lack The Desire
- If you lack the desire or expertise to manage complex finances, continue with a fiduciary advisor rather than DIYing everything.
- Wes Moss argues advisors add planning, tax coordination, estate integration and emotional discipline that can justify reasonable fees.
Use In‑Service Rollovers For Roth Ladder
- If your 401(k) permits in‑service rollovers, move only the portion you want into an IRA and then convert the chosen amount to a Roth each year.
- Wes Moss warns the pro‑rata rule only matters if pre‑tax and after‑tax funds are commingled inside an IRA.
