04.28.26 Ask An Advisor With Wes Moss

The Clark Howard Podcast

Clark Howard

Entrepreneurship, Investing, Business

4.6 • 5.2K Ratings

🗓️ 28 April 2026

⏱️ 35 minutes

🔗️ Recording | iTunes | RSS

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Summary

Why Retirement Confidence Is Plunging & Fiduciary vs. Financial Advisor Wes Moss breaks down a troubling shift in the American economy: the rapid decline of retirement confidence. Drawing on three decades of data from the Employee Benefit Research Institute (EBRI), Wes highlights a staggering trend where worker confidence has dropped in 2026. This pessimistic outlook is mirrored by the University of Michigan Consumer Sentiment index, which has hit an all-time historical low. Wes identifies the primary culprit. Also, Wes tackles the crucial question of who you should trust to manage your money during these uncertain times. He demystifies the industry by comparing financial advisors to peppers in a grocery store: while they may look identical on the outside, their "heat" levels vary wildly. Wes discusses why transparency is key and provides actionable advice on how to check your advisor's contract to ensure your investments are working for you, not for your advisor's bottom line. Mentioned on the show: WSJ - America’s Most Tortured Retirement Regulation Is Struck Down (Again) How To Find and Choose a Financial Advisor Best Financial Advisors in 2026 - Clark Howard What Is a Fiduciary Financial Advisor and Do I Need One? What Is an HSA Account and How Does It Work? - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 28, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments!Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:48.2	Welcome to this week's edition of Ask an Advisor on the Clark Howard Show.
0:53.0	I'm Krista DiBias, here with Mr. West. Hi, Krista DiBiase.
0:57.1	Hello, Wes. And thank you for joining us again this week as we delve deeper into investments,
1:04.8	retirement, and the economy, actually. We can touch on it. We can talk about all of it.
1:10.7	So today, in addition to the questions I have for you, West, which you can ask a question,
1:15.3	we have a new forum that you can ask a question directly to West at west moss.com slash
1:21.7	ask.
1:22.5	And if you have a question for Clark, you go to clark.com slash ask.
1:26.8	Today's show, you're going to talk about,
	...

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