Full Show: Avoid This Potentially BIG Roth Blunder and 3 Keys to Happy Retirement Success | Clark Howard Video
Don't make this potentially HUGE Roth mistake! Fiduciary financial advisor Wes Moss reveals a little-known rule about rolling over your Roth 401(k) into a Roth IRA that could cost you big. If you've only contributed to a Roth 401(k), you need to hear this to avoid a costly blunder with the 5-year rule. Also, Wes recently received a retirement love letter from a couple who are self-proclaimed “happiest retirees on the block.” He shares the letter and the big keys to happy retirement success.
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 8, 2025, Ask an Advisor episode of the Clark Howard podcast.
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00:00 - Intro
01:40 - Avoid This Potentially BIG Roth Blunder
07:51 - When and how should you rebalance your IRA after a big stock gain—and what are the basic rules to follow?(Kirk in California)
09:39 - Ask an Advisor - How does a police pension affect spousal Social Security benefits for a low-earning spouse?(Neva in North Carolina)
15:05 - Ask an Advisor - Are retirement income projection tools like Fidelity’s reliable—and does our strategy make sense?(Mike in California)
18:06 - 3 Keys to Happy Retirement Success
29:29 - Ask an Advisor - Do people really reach peak spending in their 40s and 50s—or is it later now with delayed parenting?(Elizabeth in Colorado)
30:55 - Ask an Advisor - Are buffered index-linked notes truly fee-free—or are the risks and costs just hidden?(Mike in North Carolina)
33:53 - Ask an Advisor - How should I factor the value of a pension into my broader retirement plan in my 30s?(Jimmy in Florida)
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