Full Show: Best Time To Take Social Security And Why Target Date Funds Are Good, But Not Perfect | Clark Howard Video

What’s the best time to take Social Security? Fiduciary financial advisor Wes Moss breaks down several scenarios to help you optimize your Social Security check. Also, target date funds have long been a popular option as a “set it and forget it” easy button for investing. Wes shares why this “TV dinner” of investing is a good – but not perfect – option.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 15, 2025, Ask an Advisor episode of the Clark Howard podcast.

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00:00 - Intro
01:07 - Best Time To Take Social Security
11:01 - Ask an Advisor - Is it normal to fear running out of money in retirement—even with $5 million saved?(Anonymous in Illinois)
17:51 - Ask an Advisor - Are trusts worth it for your primary residence—and what are the downsides?(Erik in North Carolina)
20:40 - Ask an Advisor - Should I use the Rule of 55 to start Roth conversions during a lower income period?(Eric in Georgia)
24:50 - Why Target Date Funds Are Good, but Not Perfect
30:32 - Ask an Advisor - Is it smarter to take Social Security at 62 or let it grow while drawing from retirement accounts?(Scott in Washington)
33:09 - Ask an Advisor - Can we open 529 accounts in our names and later move the money to a Roth IRA if unused?(Drew in Alabama)
37:15 - Ask an Advisor - Should I invest in an S&P 500 mutual fund or an ETF?(R in Michigan)

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