Full Show: The Secret to Saving More for Retirement and Natural Shift of Risk Tolerance by Age

Imagine your life in 2035. What does your future self need to thrive? Fiduciary financial advisor Wes Moss shares a groundbreaking technique that led participants to save 14% more for retirement. Also, your risk tolerance isn't static; it evolves. Wes explains how risk tolerance typically shifts over time, from aggressive in your early years to more conservative as you approach retirement. He debunks the "one-size-fits-all" approach to asset allocation and provides practical guidelines for different age groups Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 25, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: https://clark.com/ask Learn more about Wes: https://www.yourwealth.com/team/wes-m... 00:00 - Intro 00:42 - The Secret to Saving More for Retirement 06:22 - Ask an Advisor - What's the best strategy for managing three years of "dry powder" in retirement? (Javier in Colorado) 08:11 - Ask an Advisor - Should I switch from a traditional 403(b) to a Roth 403(b)? (Jeff in Georgia) 12:45 - Ask an Advisor - Why is the pension lump sum decision point at 6% instead of 4%? (Steve in Minnesota) 14:50 - Natural Shift of Risk Tolerance by Age 23:01 - Ask an Advisor - Should we use a HELOC to delay withdrawing from our 401(k) until my husband claims Social Security?(Bonnie in Ohio) 27:16 - Ask an Advisor - Should I move my retirement funds to a different brokerage to protect them from scammers? (Caroline in South Carolina) 29:01 - Ask an Advisor - Are dividend stocks/ETFs a better investment than index funds for retirement income? (Gayle in Vermont) 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/