Pod Insights The Clark Howard Podcast 05.19.26 Ask An Advisor With Wes Moss About this episode 10 Essential Duties of a Real Fiduciary Financial Advisor (It’s Not Just Investing) If you think a financial advisor’s only job is to pick stocks, you’re missing out on the most valuable services a true fiduciary provides. In this episode, Wes Moss breaks down the ten essential roles a fee-only advisor should play. Whether you are engineering a retirement cash flow or navigating the emotional rollercoaster of market volatility, learn why a real fiduciary is your "personal CFO" for every major life decision, not just your investment portfolio. Mentioned on the show: What Is a Fiduciary Financial Advisor and Do I Need One? Best Financial Advisors in 2026 - Clark Howard How To Find and Choose a Financial Advisor - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 19, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.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
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1:16 Speaker 02 Welcome to this week's Ask an Advisor. I'm Krista DeBias here with Mr. Wes Moss.
1:21 Speaker 03 Hi Krista.
1:22 Speaker 02 How are you today?
1:22 Speaker 03 I'm good. I'm excited for today.
1:24 Speaker 02 Awesome.
1:25 Speaker 03 As I usually am.
1:26 Speaker 02 Yeah.
1:26 Speaker 03 Usually I am excited about this.
1:28 Speaker 02 If you have a question for Wes, I'm going to get to those questions soon. You go to wesmoss.com/ask. We have our form there. And if you're wondering how to spell Wes Moss, it is behind him on YouTube. It's W E S M O S S.
1:42 Speaker 03 Very complicated. And I've done radio, this obviously we're in podcast format here, but I've done radio for almost 18 years now and I still am hosting the same show at the same time, on the same day for almost 20 years and people still will write me or call and say, hey Russ.
2:04 Speaker 02 Oh, Russ.
2:07 Speaker 03 I guess it does. Maybe it's my like, maybe it's my speech impediment.
2:10 Speaker 02 You need to buy RussMoss.com and just forward it to your website.
2:15 Speaker 03 Shut up. But it is Wes, which I guess can sound like Russ, Wes Moss. I think that's what it is. The full thing.
2:22 Speaker 02 So today, back in April, we did do a podcast and one of the segments you did was what's the difference between a fiduciary, financial advisor and a non-fiduciary? And a lot of people had questions about that. A lot of people gave us feedback like, well, I'm, I'm not going to use an advisor, which is fine. A lot of people choose not to. But then several people had more questions about what an advisor should or should not do for you, could do for you. And so I know you're going to break that down for us in two different parts today. So we want to make sure you're getting your money's worth if you are using an advisor. And then we're going to get to your questions, of course.
2:59 Speaker 03 Well, good. So let's start with that. Just a very quick revisit. And I, I almost did that segment a couple of weeks ago. So that I could understand this better because I get questions about it a lot. And it's one of the hardest things to describe. And that's why I came up with the analogy of the two orange peppers. They look almost identical in the bin. Both orange, they're both medium sized. They both look the same. One is a habanero and one is a bell pepper, which obviously, as we all know, in the kitchen, that's a big difference.
3:29 Speaker 02 Big, huge.
3:29 Speaker 03 Big difference. One is the fee only advisor that is a fiduciary. One is the financial advisor. One follows the rule of prudence, which sounds a lot like the best interest. But again, remember they're very different kinds of, of peppers. And then not necessarily one is better or bad per se. I obviously believe in the fee only fiduciary where there is not a commission based relationship.
3:51 Speaker 02 As does Clark.
3:52 Speaker 03 But again, there are some places where advisors that, that use commission may be appropriate. It's just that's not my thing. But I have a lot of friends in the industry. So I don't want to be overly punitive to any one category. So that's my politically correct answer. But the question I think today is more about what can a fiduciary, fee only advisor do for you? And I'm going to give you us a list of 10 today to think about. And if you're using someone to ask about and know that these are all categories that are on the table beyond, doesn't a financial advisor just help you invest your money? What else does a financial, what else are you supposed to do?
4:34 Speaker 03 Aren't you supposed to tell me what stocks don't or what ETFs don't? And the answer is that is a part of it. And it's obviously a super important part of it. But there are at least these 10 categories. There really arguably a lot more, but we're just going to do 10 today. I'll do five and five. And most importantly about all of this, every category is important, but someone using an advisor may not need this category at a particular time, but you may at some point in the relationship over time. And then most importantly, after you know these, let's say these 10 areas, I think the hardest job and maybe the most important job of a fee only fiduciary advisor is to be able to connect all those dots together.
5:20 Speaker 03 As opposed to here's what we need to do for taxes. Here's what we need to do for real estate. Here's what we need to do from investments. It's really about you being able to be educated and understand how all those pieces fit together. When you feel that way, then I think you have the peace of mind and the sleep well at night that we are all looking for. That's why we're educating ourselves on markets and investing and what to do, because we want to be able to feel at peace with the topic that is perhaps the most emotional and scary topic beyond health in our lives, which is our money. So let's put it all together. Here are the 10 things beyond investing. Now, investing is one of them, of course, but we'll start with tax strategy.
6:04 Speaker 03 We talk a lot about that here on the show. Tax strategy, knowing in a given year what your income is and what that means for your tax rate relative to the moves you may be making in your portfolio. What kind of capital gain rate do you have? Because your income is highly, your capital gain rate, highly dependent on what your income is. But when you take capital gains, it also impacts your income. So it's really important to understand from a tax strategy standpoint, where your income is going to come in approximately in any given year. And doing a little bit of planning there could go really. Long way. Number two, real estate co-pilot. You may not be doing real estate transactions every year,
6:47 Speaker 03 but real estate comes into the picture over and over and over again. And for most Americans that have accumulated wealth, a big part of that is in their primary home with homeownership. So there's a lot of strategy around figuring out either when to pay off a mortgage, if you're going to sell a home and if you're going to move. What do the, again, tax implications look like from real estate? Number three, business and career strategy. And I think that as I've gotten older and have been doing this for over 25 years, that is a big part of it too, because I think the families that I see and other advisors work with that are in their last big stretch.
7:28 Speaker 03 They're in their most important five to 10 years, their highest earnings years. And things get complicated and you've got stock options. And as we can see from a lot of the questions we get here, I've got this plan to choose from and this plan to choose, which is a better deal? I'm thinking about moving companies because this may be an overall better package, or maybe I should stick around and not do that. So there's a lot to do with figuring out, is your job the right place for you? And is your career keeping you on track financially? If you are a business owner, number four on my list is business exit planner.
8:09 Speaker 03 You could be an entrepreneur and have a business and maybe save a little bit of money over the years, but maybe most of that money gets plowed back into the business. But you look up 20 years later, 30 years later, and all of a sudden, wait a minute, my private business is kind of worth a lot of money. This is my retirement. Think about all the strategy that goes into trying to figure out when to sell, who to sell to, and then the implications of doing a sale, what kind of sale? So think about, there's a lot to do with that. I would say number five here on this list, retirement cash flow architect. And that is a very simple but straightforward way of doing planning and putting in the big variables that you're going to forecast out of the future.
8:54 Speaker 03 I want to spend X amount, I have X amount, I'm saving X amount per year. If that is the case, and I continue to do so, doesn't mean you can't change it. What is it going to look like in 10 years, or 15, or 20 years? And that cash flow analysis is super helpful.
9:10 Speaker 02 Okay, we're going to go to some questions now, and then we'll hear the other five later on in the show. This first one's from MJ in Kansas. Wes, love the show. I know you aren't a fan of rigid rules of thumb, but as one of the few voices who champions dividend investing, I'd love your take on the best execution. Currently, I hold a selection of individual dividend kings and aristocrats in my taxable account. Companies, I believe, have decades of staying power. However, I'm questioning the architecture. Is picking individual stocks the right move? Or should I be looking at dividend ETFs instead? Also, is a taxable account the most efficient home for this strategy? Could you rank the ideal account types for dividends and provide a few itineraries or frameworks
9:53 Speaker 02 for how a long-term dividend investor should structure their portfolio?
9:57 Speaker 03 MJ, I like the idea of itinerary. I think that the short answer here is that ideally, and in a perfect world, are in a vacuum. And we don't live in vacuums. So, when I say ideally are in a vacuum, it's you lean towards these ideas. But they may make a lot of sense, but they may not work all the time for every situation. In fact, a lot of times, they don't. So, it's understanding why this might make sense. And what I'm saying here is that typically, you would want your qualified dividend-paying companies, whether ETF or individual, which I'll get to in a second, in your after-tax account. Because you get the benefit of the lower tax rate.
10:38 Speaker 03 A qualified dividend rate, it should be the same as your long-term capital gain rate, which is tax-favorable relative to what is usually the higher rate, which is your ordinary income rate. So, again, in a perfect world, these are in your taxable account. What's interesting, though, is that taxable versus an IRA, or retirement account. A retirement account, it is the crock pot. So, you don't pay any taxes until you take money out. Anything that pays any sort of dividends is technically better in the crock pot. So, you could say, again, in a vacuum, well, that means all my bonds should go into the IRA. Well, that may not make sense at all if you're an early retiree.
11:22 Speaker 03 So, I'm a big believer in balancing allocations.
11:28 Speaker 03 More within multiple accounts, even though they're different locations, as opposed to saying everything that pays an income needs to go over here. And if it's tax favored or growth only, it goes here. But again, I would lean towards dividend paying stocks in an after tax count. Stocks or ETFs? I think the short answer is ETFs. I think that ET, exchange traded funds over, I used to use it, mutual funds for dividend paying stocks that I transitioned to ETFs. And the reason I say that today is there's so many of them to choose from. And you can get all these different varieties of dividend paying companies. It's like you're going into an ice cream shop and you've got an entire choice
12:12 Speaker 03 of different kinds of dividend ETFs. The five year minimum dividend growers, the 20 year consistent payers. He mentioned the, or MJ mentioned the dividend kings as an example. So I think that the simple answer is ETF. Yes, you absolutely can own some individual companies. And that is fine too, as long as you like constantly keeping up with the research around that and making changes if something happens to your dividend payers.
12:42 Speaker 02 Another food analogy, the ice cream shop. Kelly in Oregon says, hi Wes, my husband and I are in our early 60s. We both work part time. We have around a million dollars in managed assets. It's in a combination of stocks and bonds. We have 150,000 in CDs earning approximately 4%. We're also looking to have approximately $125,000 coming in through the sale of our rental property this spring. Our financial advisor suggests that the 150,000 is too much money to have in CDs. He recommends six months of living expenses, which would be approximately $50,000 and invest the rest with him, where we would get a higher return. I feel having the large amount of cash available to us would be beneficial if the stock market takes a large drop.
13:27 Speaker 02 It makes me more comfortable to know that we have access to a large amount of cash, which we could utilize for possible larger expenses until the market comes back. What's your take?
13:37 Speaker 03 Kelly, this is one of these rules of thumb that they're good guides, but the answer is not necessarily what your advisor is saying. It's what makes you feel comfortable. Because yes, that's a practical way to think about it. Six months. I think of it as a, in a different context, Kelly, which is I like to have safety assets that are for three years. Doesn't mean it has to be in cash, but it should be in something that's paying you either cash, money, or it's giving you some high yield savings, some interest, or fixed income, i.e. bonds, conservative and safe bonds. We do that because if the
14:19 Speaker 03 stock side, it's not if, when the stock side of the portfolio takes a big dip and it's down 20% or 30% in a big correction, three years worth of dry powder usually allows plenty of time for the, for the stock side to recover so that you can be pulling from that dry powder for spending. But when it comes to a cash number, six months is a good guide. But the other thing I find Krista is that people do have a sleep well at night round number in their head. And I think that's a powerful thing because again, so much of what you're doing as you're trying to get through this maze of investing is to feel
15:02 Speaker 03 comfortable with it. And having 10,000 in cash, for some people, that's what, that makes them feel comfortable. Some people, they want 50. Some people want 250. Some people want a million in cash, Krista. I know that sounds crazy.
15:18 Speaker 02 Wow.
15:19 Speaker 03 But Kelly, for you, if $150,000, which is arguably 15% of the overall portfolio, maybe a little less if your million is separate than that. As long as it's getting you a decent yield, then I think it gets to count towards the dry powder. And yes, you could always be earning more over time in stocks or potentially more over time, but you've got to feel comfortable. And I think safety assets allow you to be a better stock investor so you don't panic when markets are down.
15:52 Speaker 02 All right. Justin in Illinois says, early retirees need to rely on taxable brokerage accounts to fund the early years of retirement. Additional advice is to have a decent portion of bonds in retirement. How do early retirees manage sequence of returns risk? By having a decent amount of bonds in a brokerage account. And then when general advice is to avoid bonds and target date funds and brokerage accounts because of tax inefficiency.
16:17 Speaker 03 Justin, think about this. If everything, in a perfect world, you've got all your retirement money and it's all in a Roth IRA. Right? Because then you have to worry about no tax implications of what's in the Roth. You have to worry about no implications about what comes out of the Roth. That's tax free, once you get to the right age. And everything inside the IRA crock pot is deferred until you pull money out. So in a vacuum, sure, bonds should be in an IRA. Target date funds should be in an IRA. Anything paying an income, well, that's a giant part of the investment landscape is paying you some sort of income. And when you sell, you've got capital gains to worry about, but not in an IRA.
17:00 Speaker 03 So everything is a little, can be, you could argue that could be better. But if you're an early retiree, if you're 50, 51, 52, 54, and you don't have access to retirement accounts without a penalty, then why would you want to have all of your dry powder assets in an IRA if you can't get to it? What's the point of having dry powder? So you have 100% in stocks outside of an IRA, Justin. Market's down 25 or 30% and you have to pull from that. Well, that negates the whole concept of having the dry powder. So remember, a lot of these rules of thumb sound really good and they do make sense. But when you start applying them to the real world, and your perfect example, great question and situation,
17:45 Speaker 03 you've got to have some balance in some of the safety assets outside of the IRA to be able to follow that rule for pulling income.
17:54 Speaker 02 All right, we're going to take a quick break. We'll be right back with part two of your segment and more of your questions.
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20:13 Speaker 03 Welcome back to Ask an Advisor. I'm Wes Moss, along with the great Krista DBS.
20:18 Speaker 02 Thank you. I don't know about that great part.
20:20 Speaker 03 Earlier, we were talking about the differences between financial advisors and fiduciary financial advisors with the orange pepper analogy. Hopefully that makes sense and it sticks. And then the jobs that a fee only fiduciary advisor could be able to help you with. Or if you're not using any sort of advisor, which again, a huge percentage of the population does this on their own. These are still ideas and areas of overall wealth planning, financial planning that you want to pay attention to as well.
20:49 Speaker 02 For sure. That a lot of us just don't think about.
20:52 Speaker 03 So we already covered tax strategist, real estate, co-pilot, business and career strategist, business exit planner as another category. And then retirement cash flow architect, which is kind of the core, setting the tone and the document for everything else that you're going to do. Again, most importantly, we want to have all these things work together and have them integrated as opposed to just siloed. And it's difficult to have every single piece of this integrated, but the more pieces that can come together in concert, I think the better people feel. Which is one of the areas that we're going to talk about, and that's behavioral, the behavioral part of investing that is so important.
21:36 Speaker 03 So that we can feel as though we can sleep well at night and not be worried about money. Because so many Americans are so worried about money and statistics show that we're, depending on the study you look at, more afraid of running out of money than death for some Americans. So number six on my list is the piece that most people think, investment engineer, or someone that's going to help me look at my overall investments, help me find the right low cost investments and have a balanced allocation and lots of diversification. So that the investments then are geared towards that cash flow or retirement cash flow plan that you did to begin with.
22:18 Speaker 03 It's also your investment strategy is also meant to help you reach your goals and be able to meet your risk tolerance so that you can live with this plan and feel good about a plan over time. Seven, risk management. This goes back to insurance. The feeling fiduciary because they do not accept commissions unless they're wearing dual hats and most do not is not going to be able to sell you a life insurance policy because they're commission based, but they can review your property in casualty, your disability, and suggest who you should talk to or potentially partner with someone in the insurance world if you have more insurance needs. So that's
23:01 Speaker 03 the risk management side of this, which is insurance. Number eight, estate and legacy, which is not something we all that we want to think about on a daily basis, but we do want to have a will done. We do want to think about where this money that I'm investing for retirement goes, but I'm no longer here. Is it your kids? Is it the family? Is it a charity or multiple charities that are important to you? And an advisor should be able to talk that through with you to make sure that, again, the bigger picture plan is thinking about the longer term that's even beyond your retirement. The execution of that, again, is typically going to be or has to be done by
23:42 Speaker 03 an estate planning attorney. I've seen such, I've had situations where families are comfortable doing some of this online on their own and just simple updates of wills. But when it gets to trusts and more advanced planning, that's when an estate planning attorney would come in. Number nine, healthcare. We're all worried about healthcare. It's expensive. We know that. So the only fiduciary advisor should help you be able to make sure you're planning for healthcare and the cost. Have resources for advice about Medicare. And when in the situation where you're starting to look at either you're looking at continuing
24:22 Speaker 03 continuous care or assisted living, or particularly, I think for this audience, for your parents, there may come a time when mom and dad, even though they want to stay in the house and live at their in their home forever, it may not be safe for them to do so. And when that moment arises, it typically comes up really quickly. So your advisor, a fee only fiduciary advisor should have resources for you to be able to figure out and find the right community for healthcare and for living for our parents. And then last but not least, and something maybe the glue that ties all this together is the behavioral side of what an advisor should be able to do for you or help you with.
25:06 Speaker 03 Whether it's a behavioral coach or helping plan life, there's so much emotion tied to the money that we're saving and the money we're investing and the money that we're relying on for the long term. And it becomes nerve wracking in the world that we live in and markets are volatile and something's changing every day, every hour, every minute. And there's a big function of behavioral coaching that the right advisor for you should be able to help navigate, which goes back to managing really in an ongoing way, your risk tolerance and how that fits all into the investments that you feel comfortable with, that are coordinated with all of these areas.
25:50 Speaker 03 And the more that all of the 10 things that we just talked about are put together, because there are hundreds or even thousands of decisions. Retirement is not one decision. Retirement is hundreds or thousands of little decisions for years and years and years that all have to come together and all those dots need to be connected. And I think the more that we can do that, or you can think about all those dots connecting. Whether you're doing this as your own advisor or you're working with an advisor, I think the better you will feel and the more confidence you'll have in your long-term plan.
26:28 Speaker 02 Okay. All right. We're gonna go to some questions here. Clay in Kentucky sent this one in. I recently left a local law enforcement career for a federal law enforcement position. I was vested in the state managed retirement with a balance close to $60,000 that I can keep. It has a state guaranteed rate of return of 4% annually. I'm considering rolling this money over to my civilian TSP, a Roth, that I now contribute to. This seems logical to me and has a higher probability of greater returns in the future. I would love your insight on this and advice if there's an option I'm overlooking.
27:05 Speaker 03 Clay, this is about opening up your options. So the, the reality here is that it sounds like you have the state plan and it is in a structure where the only choice you have is a guaranteed option. And right now, rates are pretty good. 4% is not terrible, but, and it is guaranteed. But it, it sounds like you don't have the option for, let's call it equity stock type mutual funds. TSP should be able to give that to you. The Thrift Savings Plan has five really core options. Common stocks, which are essentially the S and P 500, very much like that. Small cap, international, government, fixed income, and then general fixed income.
27:45 Speaker 03 And it does, it's not a big list, but they're super low cost options that can get your exposure to fight against inflation, whereas the guaranteed account's probably not gonna do that over time. So if it were me, I would want more optionality. You can still pick the conservative options within TSP. But it doesn't sound like you have any other options than the guaranteed rate in the current state plan. And you can move it into the TSP Roth. So it's, it seems like you can do that. So if it were me, I would be choosing more options.
28:17 Speaker 02 Okay. John in Oregon says, now that tax day has passed, I have a question about what you recommend for document retention after assets from a trust have been distributed. All tax returns have been filed and paid and the trust has been closed. Specifically, how long do you recommend that trustees or successor trustees keep the tax returns and keep all documentation supporting those returns?
28:40 Speaker 03 All right, John, so this is a, we're talking taxes, tax returns and document retention. John, I would just say somewhere between seven years and forever. There is a rule of, once you file your taxes, the IRS has three years to go back, but that's only if, there's a lot of exceptions to that, then a lot of times they can go back seven years. So if it's for returns, I would be keeping them just in perpetuity. And we live in a world today, I mean, 10, 20 years ago, it felt much more difficult to do that. Today, everything is digital. We can save it, almost anything is a PDF, put it in a folder and a file on our PC and keep it forever.
29:21 Speaker 03 So I would say that we're in an age where it's easier than ever to organize and preserve. And I would just think about it as, I'm keeping these things forever. So I would default seven years to forever.
29:33 Speaker 02 Okay. Well, that is going to do it for us today. If you have a question for Wes, you can go to wesmoss.com/ask. Again, that's W E S M O S S dot com slash ask. And Clark Howard will be back tomorrow.
29:48 Speaker 03 I spelled it right.
29:48 Speaker 02 With a brand new episode. And if you have a question for Clark, you can go to his website, Clark.com and find our form there. Thanks and have a wonderful rest of your day.
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