10.13.26 Ask An Advisor With Wes Moss
Summary
Wes Moss clarifies that his recent comments on high yields refer to safe bond interest rates, not risky stock dividends, and explains the "yield ladder" for retirement income. He advises a listener to retire early given their low expenses and substantial assets, while also recommending that HSAs be invested for long-term growth rather than spent immediately. Additionally, Moss warns against fixed-index annuities, suggests using HIFO or minimum tax methods for stock sales, and supports maintaining term life insurance in retirement to protect a surviving spouse's income.
Topics discussed
Sponsor: Progressive Name Your Price tool
Sponsor: Gatorlite hydration
Intro: Headlines and HSA stance change
Clarifying the 'dangerous yields' headline and yield ladder
Listener Q: Early retirement feasibility at 56
Listener Q: Percentage of bonds in TIPS
Listener Q: Pension lump sum vs annuity
Sponsors: Schwab, Talking Real Money, Gatorade, Checkout.com, LinkedIn
Updating HSA strategy: Stacking for long-term growth
Listener Q: FIFO vs HIFO for tax efficiency
Listener Q: Warning about fixed index annuities
Listener Q: Carrying life insurance after retirement
Outro and Sponsor: Checkout.com
Sponsor: Blinds.com
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