09.29.26 Ask An Advisor With Wes Moss
Summary
Wes Moss and Krista Diaz discuss new research suggesting retirees underspend because they hesitate to draw down assets, recommending income-generating investments over annuities to ease this psychological barrier. They also highlight the resurgence of private-sector pensions, urging younger workers not to dismiss them as a retirement benefit. The episode addresses listener questions on managing post-mortgage savings, the tax implications of Trump accounts, and the mechanics of federal money creation. Finally, they explore options for professional fiduciaries and trust companies to manage es…
Topics discussed
Sponsored segments: LinkedIn and United Airlines
Intro: Research on retirees underspending
The Forever Paycheck: Why people fear spending assets
Income vs. Assets: Psychological barriers to spending
Alternatives to annuities: Shifting to income assets
Building a yield ladder: Utilities, Energy, and REITs
Why Wes advises against single premium annuities
Listener Q: Investing mortgage payoff into Roth 401k
Listener Q: 529 plans and Trump Account conversions
Listener Q: Taxation of mixed 403b withdrawals
Sponsored segments: Schwab, Talking Real Money, AT&T
The Pension Revival: New corporate and union plans
Listener Q: Lump sum vs. dollar cost averaging
Listener Q: How the Fed creates money and inflation
Listener Q: Financial POA for those without family
Outro and American Express Business Platinum ad
Uber Eats game day deals promotion
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