Investment Strategies for Young Savers

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

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