Retire Sooner with Wes Moss Balanced Investing, Roth Conversions & Estate Planning Strategies
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Aug 14, 2025 In this discussion, Christa DiBiase, a financial expert who has collaborated with Clark Howard, dives into the evolution of balanced investing and challenges the traditional 60/40 strategy. She explains the intricacies of Roth conversions and highlights the importance of tailored financial advice versus self-management. Christa also explores the monumental $84 trillion Great Wealth Transfer, emphasizing the necessity of estate planning and family communication regarding inheritances. Listeners gain valuable insights into optimizing their portfolios and making informed financial choices.
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Balanced Portfolios Still Work
- A 60/40 portfolio is simply a balanced stock-and-bond approach that still smooths volatility and helps outpace inflation.
- Wes Moss argues the strategy is not dead but should be flexible and may include other income assets beyond bonds.
Keep An Advisor When You Don't Want DIY
- If you lack desire or expertise to manage money, keep a fiduciary advisor even if fees exist.
- Wes Moss values advisors for planning, cashflow guidance, tax strategy, and emotion management.
Stage Roth Conversions With In-Service Rollovers
- Use in-service rollovers if your 401(k) allows them to move specific amounts into an IRA for staged Roth conversions.
- Convert only what you need each year to control tax brackets and avoid unnecessary taxes.
