Welcome to Ask an Advisor. We'll be here at Team Clark. Go Deeper on All Things Investing. I'm Krista Dibias, and I have the pleasure of being here again with West Moss. Thank you, Krista. I'm wearing a jacket today. I don't know if I've done that on the show. I wear a jacket a lot. I know that I was wearing a vest for a long time here.

Yes, you're looking very sharp today. If you're watching us on YouTube.com slash Clark,

subscribe, please. And Clark will be back tomorrow with another episode. But today, you are an investment advisor.

You're a fiduciary, as I've said before. And you met with some clients that inspired you

to talk about the first thing you're going to get into today, right? I never know what to talk about

on the show, but I always go back to just what's happening in the world where I'm sitting down

with families. And very often, it's, wait a minute, that's a really good topic to talk about. So

that's what we'll start with today.

Awesome. And then interest rates, something that most people are talking about.

I know the media loves to hear about the Fed. They have so much power and control over the economy.

And we're in a transitional phase right now with the Fed in a lot of different ways. I want to talk about

what they're doing with rates and where rates may be heading. Yeah, there's a constant guessing game.

This news might mean that the Fed is going to do this with rates and just constant feedback.

We're getting about that. So I'm excited to hear about that. And then, of course, I always have

lots of questions for you. Good. Let's get started. Okay. This is a real life story, so I'm excited to hear about that. And then, of course, I always have lots of questions

for you. Good. Let's get started. Okay. This is a real life story, but I think that this question can

certainly come up, and it's something to think about if you happen to find yourself in a similar

situation. And we'll just say it's Marcia and Fred. Okay. And Marcia and Fred, I was sitting down with them the other day.

Fred is 84.

Marsha is 80.

They have been retired a really long time because they both, they have pensions.

Fred, by the way, 84 is still playing tennis.

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