09.10.26 Ask An Advisor With Wes Moss
Summary
In this rapid-fire episode of Ask an Advisor, Wes Moss and Krista Smith answer listener questions on retirement planning. Topics include the role of pets in retiree happiness, using life expectancy charts for withdrawal rates, and comparing Trump accounts to UTMA plans. They also discuss 529 plans for grandchildren, pension survivor benefits, and the tax implications of choosing between traditional and Roth accounts. Finally, the hosts address strategies for those with limited life expectancy, the shift from mutual funds to ETFs, and the pros and cons of new low-cost annuity options.
Topics discussed
Sponsorships: Indeed and Gatorade
Intro: Rapid Fire format and Captain Crunch
Q&A: The role of pets in retiree happiness
Q&A: Using life expectancy charts vs 4% rule
Q&A: Trump accounts vs UTMA for college savings
Q&A: 529 plans for grandchildren with long horizon
Q&A: Pension survivor benefits and life insurance
Sponsorships: Schwab, AT&T, and Talking Real Money
Q&A: Retirement planning with limited lifespan
Q&A: Traditional vs Roth for surviving spouses
Q&A: Converting mutual funds to ETFs
Q&A: Social Security timing and tax torpedoes
Q&A: New low-cost annuities in 401k plans
Outro and McDonald's sponsorship
Listen ad-free on Castria