Full Show: 5 Pillars of Investing (Good Times and Bad) and How To Pay 0% on Capital Gains

Investing in today's world can feel complicated, but it doesn't have to be. Fiduciary financial advisor Wes Moss breaks down the "5 Pillars of Investing" for both good times and bad. Also, he shares a powerful strategy to potentially pay 0% on your long-term capital gains, based on new tax law changes. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 16, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: https://clark.com/ask 00:00 - Intro 03:31 - 5 Pillars of Investing (Good Times and Bad) and How To Pay 0% on Capital Gains 10:02 - Ask an Advisor - Should I diversify ESPP company stock into URTH instead of Fidelity Zero funds, despite the higher expense ratio? (Sam in Utah) 13:31 - Ask an Advisor - When applying the 4% withdrawal rule in retirement, how should Required Minimum Distributions (RMDs) factor into the equation? (David in Oregon) 17:14 - Ask an Advisor - How does Vanguard calculate cost basis when selling a taxable S&P 500 fund, and what is tax-loss harvesting? (Michael in Georgia) 20:36 - How To Pay 0% on Capital Gains 28:15 - Ask an Advisor - What’s the best short-term investment option for teens saving for cars within 1–2 years, beyond money market funds? (Kate in Alaska) 30:41 - Ask an Advisor - With the new bill raising senior tax deductions for 4 years, how can retirees plan now to benefit after it expires? (Helen in Georgia) 33:54 - Ask an Advisor - Is there any reason to move retirement accounts from E*TRADE to Fidelity, Schwab, or Vanguard? (John in New York) Clark.com: Advice You Can Trust: SUBSCRIBE:    / clark   Listen To The Clark Howard Podcast: https://clark.com/podcast Apple Podcasts: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/3lrwhe2... iHeartRadio: https://www.iheart.com/podcast/8-the-... Follow Us for More Money Tips: Website: https://clark.com/ Podcast: https://clark.com/podcasts/ Newsletter: https://clark.com/newsletters/ Instagram:   / theclarkdotcom   Facebook:   / clarkhoward   Need Consumer Advice? The Consumer Action Center is a free resource for advice on money and consumer issues. Call 636-49C-LARK (636-492-5275) and a member of Team Clark will assist you as soon as possible. The Consumer Action Center is available Monday-Friday from 10 a.m. to 4 p.m. ET. If you found this video valuable, give it a like. If you know someone who needs to see it, share it. Leave a comment below with your thoughts. Add it to a playlist if you want to watch it later. Our Promise to You: At Clark.com and ClarkDeals.com, we do not get paid for endorsements or reviews of any product or service, nor do we allow advertisers to place paid content on our sites. More information: https://clark.com/ad-disclosure/