08.19.25 Ask An Advisor With Wes Moss

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 19 August 2025

⏱️ 34 minutes

🔗️ Recording | iTunes | RSS

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Summary

Why This Retired Couple Is Still 70% in Stocks and Will the Fed Start Lowering Rates? A retired couple in their 80s has big pensions, no debt, and a significant amount of their portfolio in stocks. While traditional wisdom suggests being more conservative with age, find out why they have an “infinite time horizon,” as fiduciary financial advisor Wes Moss explains. Also, the Federal Reserve is the engine of the U.S. economy, and its decisions on interest rates have massive ripple effects, from the housing market to your savings account. With the latest inflation and jobs reports suggesting a cooling economy, Wes explains why we may be at the end of the "higher for longer" era. He also provides a critical heads-up for savers. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 19, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS / Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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1:05.6	Welcome to Ask an Advisor.
1:07.2	We'll be here at Team Clark. Go deeper on all things investing.
1:30.2	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, your fiduciary, as I've said
1:35.9	before. And you met with some clients that inspired you to talk about the first thing you're
1:41.1	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.
2:01.6	Mm-hmm.
2:02.6	They have so much power and control over the economy.
2:06.6	And we're in a transitional phase right now with the Fed in a lot of different ways.
	...

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