The Clark Howard Podcast 08.19.25 Ask An Advisor With Wes Moss
18 snips
Aug 19, 2025 
Wes Moss, a fiduciary financial advisor and author, shares insights on investing and retirement strategies. He discusses a retired couple in their 80s holding 70% of their portfolio in stocks, emphasizing the idea of having an 'infinite time horizon.' Wes tackles the Federal Reserve's potential rate cuts and their impact on the economy and savings. He also answers listener questions on retirement and finance, providing practical advice for navigating investments in a changing economic landscape.
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Couple With 'Infinite' Investment Horizon
- Wes describes Marsha and Fred, an 80s couple with large pensions and little need to draw on investments.
- Their guaranteed income means their investable time horizon is effectively infinite, so they choose to keep a high stock allocation.
Inverted Yield Curve Is A Warning, Not Proof
- An inverted yield curve often precedes recessions but gives false signals sometimes.
- The bond market prices in expected slower growth, yet inversions have not always led to immediate recessions.
Favor Staples And Utilities In Downturns
- In recessions favor consumer staples and utilities over cyclical sectors like industrials.
- Defensive sectors hold steadier sales when economic activity dips.
