10.29.26 Ask An Advisor With Wes Moss

Rapid Fire Q&A: Financial Advisor Fees, Direct Indexing Traps, & 30-Year Treasury Yields Welcome to another Rapid Fire Thursday edition of Ask an Advisor with Wes Moss! Today, Wes opens up the listener mailbag to answer several direct questions on wealth management, investment strategies, and retirement planning. Wes covers everything from when financial advisor AUM fees should taper down to the hidden tax traps of Direct Indexing, utilizing 30-year Treasuries, and understanding a major loop-hole in the Rule of 55! Mentioned on the show: ⁠ How To Find and Choose a Financial Advisor⁠ / ⁠Financial Advisor Costs⁠ Best Investment Companies for Investors in 2026 - Clark Howard What Is an HSA Account and How Does It Work? - Clark Howard The Biggest Investing Lesson From Trump Accounts - Clark Howard WSJ - Opinion: For Investors and Savers, TINA Is Giving Way to TARA⁠ The Overlooked 'Rule of 55' Could Unlock an Earlier Retirement⁠ All this and more on the October 29, 2026, Ask an Advisor “Rapid Fire” episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to a happier retirement – order The Retire Sooner Method by Wes Moss today at retiresoonermethod.com 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

• 0:00Speaker 00

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• 0:50Speaker 03

  Welcome to a special edition of Ask an Advisor. Rapid fire questions for you. Wes, you ready?

• 0:56Speaker 04

  I am ready.

• 0:57Speaker 03

  You've not seen any of these questions.

• 0:59Speaker 04

  Not at all.

• 1:00Speaker 03

  We're starting with George in California. At what point does the 1% typically charged for financial advice start to taper down? When my wife and I got married, we had $100,000 in investments. One K seemed reasonable, but now our portfolio has grown to over 3 million, not including our home and business assets. We had a great independent CFP that we paid hourly for his fiduciary services. Unfortunately, he retired and we are now in search of a financial advisor.

• 1:28Speaker 04

  George in Georgia?

• 1:29Speaker 03

  No, George in California.

• 1:31Speaker 04

  George in California. CA. George, it really depends. I mean, I think that asset management fees are kind of all over the map. And it really just depends on, I mean, some firms will still be charging 1% on 3 million. Some firms give you a break starting in a million and it goes down from there. There's often a break point at 2 million. There's breakpoints at three and five and 10, et cetera. But they're all a little bit different. And there's no exact amount that I could tell you that is when you should be paying less.

• 2:13Speaker 04

  What I would suggest you do is when you find a new advisory firm, you're there not for the pricing, because most firms are pretty similar. You're there for the right fit for you and your family and the bigger picture. And then if you find that that right fit, very often you can get comfortable with the team that you're working with or the firm that you're working with to find a reasonable asset management fiduciary type fee that you feel comfortable with and that they feel comfortable with so that they can pay their bills, keep their lights on, and you can feel comfortable about the advice you're receiving and it's worth it to you and it's mutual.

• 2:57Speaker 04

  This is an important piece of the equation. I think that your relationship with your advisor, it should feel mutual. I don't think you want to get into a situation where you're paying almost nothing and the advisory firm is doing everything. Like, that's a little lopsided. I think it should be a mutually beneficial relationship where you're both comfortable.

• 3:22Speaker 03

  Right, but you definitely want a fiduciary. And generally, it sounds like 1% is probably the top you would pay. And so with your amount of money, I'm sure you can find something lower. All right, Michelle in Tennessee asks you this one, Wes. How much do we need to save in order to ensure our kid's inheritance is not eroded by our unknown future medical expenses? And where should we invest these savings?

• 3:48Speaker 04

  Michelle, what immediately comes to mind is a health savings account, because you're talking about healthcare. And that is an amazing, if you have access to this and you have a high deductible plan and you're able to have an HSA, I love the stacking of this triple threat type account for you and/or your spouse. The problem with an HSA is it is great as it is during your life and your spouse's life, it's terrible for the next generation. You can pass them on, but they're, the whole thing is tax and ordinary income. It's, it's not a great asset to be passing. So that's, by the way, that's not the answer.

• 4:29Speaker 04

  The answer is, I keep going back to the, the Federal Reserve just released the Consumer Financial Survey or Survey of Consumer Finances in America. Where is wealth in America? It's for people that are educated, for the most part. There's a huge correlation between education and wealth. There is a huge correlation between home ownership and wealth. And guess what is next? Time. And that's the greatest thing that you have for your kids, Michelle, is time. And there are a lot of great options for you to get them started. I think about Trump accounts, you know, they can, if you're little kids, they're going to get some free money if they're in a certain age band.

• 5:14Speaker 04

  And then that becomes a retirement account when they turn 18. That's a great way to start and you can put up to five grand a year in that. And the only way to make up for this, this great divide we have in America, this K-shaped economy where we've got part of America that has all the money and the other part of America that has none of the money. It is no coincidence that in the Federal Reserve's Survey of Consumer Finances, what's the amount of people in America, what percentage own stocks?

• 5:46Speaker 03

  I would guess the same amount that have the most money.

• 5:50Speaker 04

  Exactly. It's 56%. And it's the 56% that have equity ownership in a retirement account or a brokerage account, and then have home ownership on top of that. And then guess what they have? Probably more important than the educational piece? Time. They've got time. So if you can do something early for your kids, which very few people do, very few people get started when their kids are super young. If you just do that and it's a couple thousand dollars a year, there's no reason, along with making sure they have financial education, that they aren't in a position to have plenty

• 6:29Speaker 04

  of money for not just healthcare, but retirement and inflation adjusted spending for the rest of their lives. It's the difference between those who start early and those who don't ever start at all.

• 6:44Speaker 03

  I would add an addendum to the HSA advice, because I think it is a good idea to do an HSA for most of us, because likely we are going to have a lot of medical expenses when we're older.

• 6:55Speaker 04

  Oh, for you, Michelle, totally, yeah.

• 6:56Speaker 03

  The great, Wes, I think what she's saying about, she's worried about her and I assume her husband's future medical expenses. The great thing is, is you can save all your receipts throughout the years and then you can get reimbursed from that account if you don't have significant medical expenses later in life. And that way you can get that money back out of the account and take advantage of the triple tax benefit.

• 7:17Speaker 04

  But she was asking about her kids, though.

• 7:18Speaker 03

  She's worried about her future medical expenses eroding her kid's inheritance. And so I do think saving for her kids, like you said, is a great thing, but also.

• 7:27Speaker 04

  Well, yeah, yeah, okay. So you're right, you're right. Your medical expenses over time shouldn't get eroded if you're doing the HSA.

• 7:35Speaker 03

  Right.

• 7:35Speaker 04

  Yeah. So it is absolutely, it's the big insurance policy for you and your spouse to utilize the HSA and let that money continue to grow. And eventually you'll be able to, eventually you'll have enough bills for almost all of us will have in order to spend it.

• 7:54Speaker 03

  Okay, this is from Devin in Indiana. I'm 46 years old and I have around $1 million combined in Roth and traditional funds in my retirement accounts. If rates on 30-year treasury notes continue to rise to maybe 7% or 8%, I'm tempted to move a quarter to a half of my traditional funds there. Do you see any downside to doing this, other than potentially losing out on stock returns at a higher rate? A guaranteed return that large for the next 30 years seems too good to pass up.

• 8:24Speaker 04

  Tara enters the conversation. What am I saying? There was an almost 20-year period where rates were so low, nobody cared and nobody wanted them, nobody wanted bonds. When you're at 1%, 2%, nobody cares, nobody wants it. And that's where we lived in a world called Tina. There was no alternative to stocks. Tara has entered the conversation and Tina has moved out. There are reasonable alternatives to stocks when rates are at 5% and 6%. And if we get to the point where we're at 7%, just like we were in the 1980s, it was very common for people to have bonds that were 8%, 9%, 10%. And people held them to maturity. And we look back at a time when now rates were at 5%, let's say, and you had a 30-year

• 9:08Speaker 04

  bond that was paying 12%. That looked pretty good. And this would be a similar situation. So Devin, you bring up this very important overarching question when it comes to the investment landscape that we're all looking at. When there are alternatives to stocks paying 5% and 6%, and maybe we get to 7%, people will be looking at fixed income and saying, hey, that's a pretty good deal. I'll take that 7% over a maybe 8, 9, 10 with lots of volatility. And that's the tug of war that happens between the stock market and the bond market all the time. And so the answer is no, it's not a bad idea if, and what does this go back to? If it helps you reach your goals.

• 9:52Speaker 03

  Okay. Ron in North Carolina says, Wes, it seems that direct indexing may be the greatest thing in finance since the creation of the ETF. It enables fund customization and large frequent tax gain and loss harvesting. However, after learning more about this investment strategy, I see potential problems with it. An investor who commits to this strategy for their taxable brokerage accounts will find out years later, after it's too late, that it's a one-way strategy. Investors check in, but they don't check out without taking enormous capital gains taxes to return to ETFs. What are your thoughts on direct indexing? The Hotel California.

• 10:33Speaker 04

  Yeah. Can we play that music while I answer this question? Ron, what is it relative to? If you buy an ETF and it's 100K and it grows to a million, I mean, can you check out there either without gains? No, there's no way to have gains. Well, there are the ways, but they don't end up working out. There's no way to avoid taxes when your assets appreciate, except for never selling them. So if you're going to access the money, what's going to happen? You're going to have to pay taxes unless you offset this in some other area. But in order to do that, you've had to have lost money somewhere else.

• 11:16Speaker 04

  So what you're saying, you're not going to be able to check out? Well, if you've got 100K that turns into a million in an ETF or one stock, you get 900K in gains. Where's your checkout there? You can still get to the money, but you're going to end up paying taxes. If you have a tax loss harvesting account that goes from 100K to a million, you may have built up three, $400,000 worth of losses over that period of time. And you, you have access to that million dollars in a much more tax efficient way. So it's still, it still doesn't make you avoid paying taxes,

• 11:57Speaker 04

  but you should end up with a situation where you end up with a, a higher basis so that you can access more of the money in a tax free way. So there, there is no checking out when it comes to making money and not having to pay taxes. It's just a fact of life.

• 12:17Speaker 03

  All right, Tony in Nevada says, hello, Wes. Thanks for bringing up-

• 12:20Speaker 04

  Who in Nevada?

• 12:21Speaker 03

  Tony.

• 12:22Speaker 04

  Tony in Nevada. Love, these are all over the country.

• 12:25Speaker 03

  Yep, he says, thanks for bringing up the rule of 55 on the Clark Howard Show. There's an even better part of the rule of 55. Most people don't know about. You technically don't have to be 55 yet for it to apply. For example, my birthday is later this month. Happy birthday. However, the rule of 55 applies to the year you turn 55. So I could have exercised the rule of 55 on January 1st this year, even though I don't turn 55 until this month. That would be a great update to share with your audience. Most people don't know it. Keep up all the great work and I love your book.

• 13:01Speaker 04

  See, Tony, this is the cool thing about doing this show because we get questions thrown at us from all different angles. And there's nothing like living through the question. Meaning that, you know, Tony is, the reason he knows this is because he's doing it. And there's only so much I can know if I haven't actually lived it in a very recent way. So this is the kind of insight that is great for people to remind. This is like the practical nuance of a really important rule. And because Tony's living it, he's like reading about the rule of 55 and he's reading, he's going, oh, wait a minute. As long as I'm turning 55 this year, this rule applies to me, which is, which is super important and I'm glad you brought it up.

• 13:46Speaker 04

  So thanks, Tony.

• 13:47Speaker 03

  All right, we'll take a quick break. We're going to come back with more questions. If you want to ask Wes a question, you go to wesmoss.com/ask. We'll be right back.

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• 16:43Speaker 04

  Welcome back to Ask an Advisor. Wes Moss here on the Clark Howard Show along with Krista DeBias. And we're going straight to Q and A.

• 16:52Speaker 03

  All right, Detective in Nevada says, I'll complete 30 years of service at a county sheriff's office in one year. I'm excited to retire and play more pickleball. After all, that's what older people do, right?

• 17:06Speaker 04

  Well-

• 17:06Speaker 03

  Younger people do.

• 17:07Speaker 04

  I do too. I mean, I guess I'm older, but yeah, I play pickleball.

• 17:11Speaker 03

  My question is this, I have approximately $1 million in a 457B plan through my employer and I'll be receiving an annual pension of approximately $80,000. My annual spending should be about 90K. In other words, I'll need to withdraw around 10K from my retirement account per year. Should I go all in for stocks or consider a more traditional 6040 split stocks to bonds? As I see it, my pension will be my bond fund. Can I just move all my money to a fund like the S and P 500?

• 17:41Speaker 04

  Detective in Nevada, let's think about this for a minute. That's how I look at it. Yes, the short answer is that if you've got a pension that's 80 grand a year, and I divide that by, let's call it, let's call it 5%. That's the equivalent of $1.6 million sitting in bonds. That's a lot. As long as, this is obviously a state oriented pension. So I think there's a high degree of safety and stability. I wouldn't be worried about that going away over time. So yes, I look at, if I were to have a pie chart

• 18:20Speaker 04

  and I'd look at your overall assets and income and I included the pension as an asset, you'd really, oh, you have a million. I look at it as you have 2.6 million. And out of that 2.6 million, the 1.6 of the 2.6 is 60%. You already have essentially 60% in bonds and 40% in stocks, even if you put the whole $1 million in the equity market. That's how I would look at this. The only catch to that detective is that there is something to be said

• 19:03Speaker 04

  about your, your investment account and the law of large numbers. You have a million dollars. Let's say it grows to $2 million and now you've got a 30 or 40% correction. How is that going to feel if you see that big of a loss or that much volatility? Does that make you a worse investor? Because the law of large numbers and the volatility shakes you out? It could, but I think if you go into this with your eyes wide open, and as a detective, I would think they would be, you would end up, I see a case for saying that the majority of that could be equity based. Highly diversified, make sure you have that.

• 19:45Speaker 04

  But if it were me, I understand wanting to have most of that, if not all of that, if you can take it from a risk tolerance perspective.

• 19:55Speaker 03

  Okay, Brian in North Carolina says, how do you feel about keeping life insurance in retirement to protect against loss of social security income? How do you decide when the high premium is no longer worth it? I love the weekly episodes with Wes.

• 20:09Speaker 04

  Hey, Brian in North Carolina. Yeah, what happens is that you get term insurance when you're, let's say you're 45 and you've got 20 year term and that takes you all the way to 65 and maybe you retire at 60. What do you typically do? You keep the insurance. What usually is cost prohibitive is getting a policy at age 60 to take you to age 80 to cover, let's say, your social security going away if one spouse passes away. But I usually recommend people keeping the existing insurance they have. And it's, it's something to think about.

• 20:53Speaker 04

  If you're getting a term policy when you're in your 40s or 50s, it may be so far out into the future, you're not thinking about when social security kicks in. But I think it's a, it's an important benefit to keep around, even after you start taking social security potentially. What I don't see people do is necessarily buy an insurance policy when they're in their 60s or later, because it gets too expensive to be able to do.

• 21:23Speaker 03

  Okay, Steve in Florida has three questions for you. Okay, I can read them individually after, but I will, I'm going to read them all right now. One, have you ever pulled out stocks to convert to cash because the market was going down fast? Two, what was your worst ever investment loss? And three, what is your favorite way to rest and unwind?

• 21:47Speaker 04

  Superpower of sleep. The happy retiree's superpower of sleep. Stocks, let me just be totally transparent on this one. Have I ever gotten freaked out about the market and sold?

• 22:03Speaker 04

  No, I have not.

• 22:05Speaker 03

  Wow, that's great.

• 22:06Speaker 04

  The closest I was, I just remember this period of time so vividly. And it wasn't the financial crisis, it wasn't September 11th, it wasn't the recession 2001. It wasn't the financial crisis, even though that was scary. It was during COVID. That was, that really scared me because I'd never thought, you know, I've thought of every, what's, what's the worst thing that could happen? Well, nuclear war. But then we have a nuclear war, it kinda doesn't matter because then we're, everything's gone anyway. So this to me was, and the equivalent of the worst possible thing that could happen without the world ending.

• 22:50Speaker 04

  So I was still worried about it, meaning that how do you shut down an economy? And what would happen? And what kind of damage would be done over a undefined period of time where the economy grinds to a halt? And we had that happen. And I remember many nights on the phone with my investment partners and figuring out, and I remember getting recommendations of like, hey, this is gonna be the worst thing we've ever seen. You think the 2001 was bad, you think the financial crisis was bad, which by the way, the market was down 50%. We're going down 80%, 90%. And those were good arguments.

• 23:34Speaker 04

  And I remember thinking, maybe, maybe this is the time to just cash out. And something told me that that would be a really bad idea, deep down. And, and I didn't do it. I didn't cash out. We, I didn't cash out for our clients. And if you think about what happened, totally unexpectedly, the Federal Reserve came in and started to prop up the equity markets and, and very quickly, markets recovered. And that would have been a total, total disaster if somebody had sold out. So that was the closest I ever got. The worst investment, I bought stocks that haven't done well. I'm trying to think of a company that I really thought would be amazing and never turned out.

• 24:19Speaker 03

  I know I bought stock in a company called Web Van, not a lot, because I didn't have much money back then. And they were ahead of their time, but yeah, they had refrigerated vans, they would deliver groceries. And this was probably in 1999. And yeah, I lost that money. I think it was, I think I bought $500 worth of their stock.

• 24:39Speaker 04

  Yeah, I know that when my, early in my career in the nineties, when I was young, I'm sure, I know, I don't even remember the names of some of these internet, like these early internet companies. I didn't have a ton of money to put into these, and I know some of those were down tremendously. So that, that, and then how do I rest?

• 24:57Speaker 03

  And unwind, like.

• 25:01Speaker 03

  We know pickleball.

• 25:03Speaker 04

  That's not an unwind. That's a serious sport.

• 25:06Speaker 03

  Oh, what about golf?

• 25:07Speaker 04

  By the way, I get hurt almost every time. You can't really see that. I had the worst.

• 25:12Speaker 03

  I see a bruise.

• 25:13Speaker 04

  I had like, I hit a, it was a chain link fence and it, you know how they kinda get, have a little give? And you know, you kind of like bounce off of them, it gives you a little cushion. I happened to do that, but I hit the pole here. And this thing was like, it looked like I just been, it was bad. I play a lot of music.

• 25:33Speaker 03

  Okay. Like you play the instruments?

• 25:35Speaker 04

  Yeah, I play the instruments. I play, I have a dad band and, but I play a lot of piano on my own. And I just, I've always wanted to do yoga and I've always wanted to meditate and I've never really done either.

• 25:48Speaker 03

  Okay.

• 25:49Speaker 04

  And every time I hear about that, I'm like, oh, I really should be doing hot yoga. I really should meditate. And then I always think like, well, if I spend an hour playing piano and trying to learn something, that to me is my version of that.

• 26:03Speaker 03

  Very cool. Okay. Andrew in Texas says, is there?

• 26:06Speaker 04

  By the way, that's, those are cool questions from Steve. I feel like I just got interviewed by Steve.

• 26:11Speaker 03

  Yeah. Okay. Andrew in Texas says, is there a website that we can rate our retired life according to retire sooner method? This could also give tips and pointers on how to increase your score, like some of the cardiac health and longevity scorecard calculators online. That was not a planted question. Andrew in Texas sent that question in.

• 26:31Speaker 04

  Andrew in Texas, he essentially wants a retire sooner method score?

• 26:35Speaker 03

  Yeah.

• 26:36Speaker 04

  Again, you know, I can't think of everything. That's why we get with you. I can't think of all this stuff. What, what?

• 26:43Speaker 03

  I think we should develop that.

• 26:44Speaker 04

  I'm gonna talk to my producer Mallory. Why hasn't Mallory thought of that?

• 26:48Speaker 03

  Oh my gosh, she can't think of everything.

• 26:50Speaker 04

  Why hasn't Mallory thought of that? What a cool thing.

• 26:53Speaker 03

  We could help you build that.

• 26:54Speaker 04

  What do you, do you use one of those rings or a web?

• 26:57Speaker 03

  An aura ring? I have, my aura ring broke and I really want the new one, the thinner one, but they're too expensive right now because I want a gold one. So I'm waiting and hoping there's like a Black Friday special, but Clark's, as you know, obsessed. I do have a Google Pixel watch that I use to track my steps.

• 27:13Speaker 04

  Is the aura, does it actually have an actual gold or just a gold color?

• 27:18Speaker 03

  Oh no, there is a, well, I don't think it's real gold, but the gold color is more expensive than the silver and black.

• 27:24Speaker 04

  It's not real gold.

• 27:24Speaker 03

  No, no, no.

• 27:25Speaker 04

  But it would be cool.

• 27:27Speaker 03

  But I like the aura ring because I can't sleep with my watch on and I do love, the sleep tracking to me is really important.

• 27:33Speaker 04

  I'm surprised I don't, I was early in the wearable device category. There was something called Jaw, I think it was called Jawbone. Remember that? It was a very cool band that had a little bit of weight on it, but it wasn't a ton. And it was like the first thing to measure sleep and all. And that was like 15 years ago. It was a long time ago. And then I think I lost it. And then I've never been interested in using any of these other things.

• 27:59Speaker 03

  Oh, wow.

• 28:01Speaker 04

  I see them every day and it kinda, I don't know.

• 28:04Speaker 03

  I love tracking my steps and my sleep because to me gamification works. I'm competitive and competitive with myself. So I want to hit my step count every day. And I do, I mean, the problem with the aura with my sleep is I thought I was sleeping better than I was.

• 28:19Speaker 04

  So if you think about this, Krista, not that I want another new project here, but imagine measuring essentially our retire sooner method readiness. Are you, do you have all five of the five? Do you have four of the five, three of the five? Are you a happy retiree? We've got the data to do it. I'd have to figure out how you could score it. And in the world that we live in where you can build anything in a much quicker way than you ever used to be able to do, I'm sure Andrew, there is a way to do it. And now I'm not gonna be able to stop thinking about this.

• 28:55Speaker 03

  Okay. Well, I think it's a great idea.

• 28:57Speaker 04

  Very good idea. I'm gonna be thinking about it.

• 28:59Speaker 03

  Stay tuned, we'll let you know once it's developed and out there, because I'm sure it will be. Thank you for listening and watching this edition of Ask an Advisor, the special show. Hope you enjoyed it. We get a lot of good feedback about these rapid fire Q and As. We're hoping to go weekly with them eventually. And we really appreciate each and every one of you and hope you have a fantastic rest of your day.

• 29:27Speaker 00

  Your sausage McMuffin with egg didn't change, your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5, only at McDonald's for a limited time.

• 29:39Speaker 01

  Price and participation may vary. Promotion pricing may be lower than meal pricing.

• 29:42Speaker 02

  They're running a cover two defense. But you're running to get game day deals on Uber Eats. Keep everyone at tonight's watch party fed with deals from your go to restaurants or stock up with deals on your favorite snacks and groceries. Whatever the occasion, get game day deals on Uber Eats all season long. It's not football without food. Uber Eats, order now. Terms apply. Product availability varies by region. See app for details.