The Clark Howard Podcast 10.14.25 Ask An Advisor With Wes Moss
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Oct 14, 2025 Explore the three-year bull market's future and what history suggests about its longevity. Discover why feeling financially 'set' doesn’t equate to being settled, and why peace of mind comes from a solid plan. Wes Moss dives into practical advice like portfolio rebalancing and assessing risks, tackling listener questions about mortgages, 401(k) plans, and investment strategies. He emphasizes holistic financial planning and the impact of lifestyle and taxes on achieving true financial security.
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History Favors More Upside
- The current bull market is three years old and historically there may still be room to run.
- Average bull markets last ~58 months with ~172% total return, suggesting potential continuation.
Valuations Signal Caution
- Market valuations are elevated, with the S&P trading around 28x earnings versus a historical ~17–19x.
- High multiples, concentrated winners and AI exuberance create froth and caution despite strong earnings.
Rebalance When Stocks Overshoot
- Recheck your target asset allocation and rebalance if stock weight drifted higher after gains.
- If you're above your planned stock range, trim equities to restore your intended risk level.