The Clark Howard Podcast 09.16.25 Ask An Advisor With Wes Moss
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Sep 16, 2025 
Wes Moss, a fiduciary financial advisor dedicated to helping people retire happier, dives into the five pillars of investing, offering clarity on managing investments in both prosperous and challenging times. He reveals strategies to potentially pay 0% on long-term capital gains due to recent tax law changes, emphasizing the shift from the 4% to the 4.7% withdrawal rule. Listeners’ questions lead to insightful discussions about investment approaches for young savers and the importance of choosing reliable investment custodians.
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Investing Is A Perpetual Practice
- Investing is perpetual and the climate constantly changes, so adopt stable guiding principles.
- Wes Moss names five pillars to navigate both good and bad markets.
Prioritize Participation Over Perfection
- Participate consistently and favor rational optimism when markets wobble.
- Hold equities for inflation protection but pair them with safety assets and diversification.
Keep Dry Powder For Volatility
- Keep a portion of assets in high-quality bonds or money markets as 'dry powder.'
- Use safety assets to dampen volatility and enable better equity participation.