The Clark Howard Podcast 05.27.25 Ask An Advisor With Wes Moss
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May 27, 2025 Wes Moss, a fiduciary financial advisor, shares his expertise on retirement planning. He presents a crucial 10-point checklist to ensure you're ready to retire. Learn how to effectively transition from saving to spending while managing various retirement accounts. Wes elaborates on strategic withdrawals from 401(k)s and IRAs for tax efficiency. Plus, he addresses listeners' burning questions about investing. The chat even takes a fun detour into discussing favorite apple varieties, showcasing the lighter side of financial advice!
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10-Step Retirement Checklist
- Complete a 10-step retirement checklist to reduce anxiety and prepare effectively.
- Key steps include counting assets, mapping out a plan, locking income streams, finishing projects, and updating your estate plan.
Funding Kids’ Education Before Retirement
- Ensure college is funded before early retirement to avoid unexpected cost burdens.
- Use a gradual investment approach, like a 6-9 month weighted strategy, to deploy large cash amounts.
Tax-Efficient Portfolio Shift
- Shift from aggressive to conservative investments gradually by selling smaller amounts over time.
- Avoid large capital gains tax hits by managing sales in lower tax brackets or losses first.