Welcome to Ask an Advisor. I'm Krista Dibias here with Mr. West Moss. Hi, Krista. Hello, Wes. All right, we are getting

close to the end of the year. And I know that later on in this show today, you're going to talk

about end of the year tax planning for 2026, big changes,'s still some time left and there there's been a lot of tax changes in

2025 with the one the obbb and there's still some time to do a little coordination before the end of the

year heading into 2026 I want to talk about that and some of the

big changes for next year. Awesome. And then I have a question for you and I did show you this and you were

like, I want to go more in depth with this question. So we're going to start with a question, which is not

what we usually do. And then you're going to answer Cliff from Idaho's question and then expand upon it.

Basically, talking about just transitioning from being in a saver mindset to a spender mindset in

retirement, right?

Yeah, when you asked me about it, it felt longer than just a quick Q&A.

It prompted me to really think about it.

And it's an overarching question that pretty much

everybody faces. And the way you brought this up from our listener question, there's more to it.

And it's going to take a little explanation. So I thought, hey, I'm going to write an article about

this. And I did that. And I thought this is a great segment for you and I to do here.

All right. So Cliff, thank you for this question. And here it is. Wes, how do you coach clients

to feel good about taking retirement from accounts? This paradigm seems to be one of the most

difficult hurdles for people who rely on a monthly income their whole life and save monthly,

but never touch the account

an account that grows beyond what they've ever handled in their lifetime the problem of creating

the nest egg but not feeling comfortable with using it in retirement because it sits in one giant

...