Full Show: Is the 60/40 Rule DEAD? and Inheriting Money The Right Way | Clark Howard Video

Is the 60/40 investing rule dead? Fiduciary financial advisor Wes Moss tackles this question by looking back at research and revealing what a $500,000 portfolio would look like today. He shares why balanced investing is still critical for a comfortable retirement. Also, with the largest wealth transfer in history underway, Wes provides a reality check on inheriting money. He gives you a simple checklist for receivers and givers to make sure you're prepared.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 12, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: link

00:00 - Intro
01:40 - Is the 60/40 Rule DEAD?
07:22 - Ask an Advisor - Is it worth paying $14K a year for a fiduciary advisor—or should we switch to a low-cost index fund portfolio?(Anonymous in FL)
14:42 - Ask an Advisor - How do Roth conversion ladders work for early retirement—and what’s the best way to minimize taxes? (Chris in TX)
19:41 - Ask an Advisor - Is a self-directed brokerage option inside my 401(k) too good to be true? (Steve in PA)
22:57 - Inheriting Money The Right Way
34:22 - Ask an Advisor - Are target date ETFs better than mutual funds for taxable brokerage accounts? (John in GA)
38:24 - Ask an Advisor - What is Fidelity’s Fully Paid Lending Program—and is it worth it? (Nidhi in NC)
42:04 - Ask an Advisor - How should I invest for an elderly relative in memory care with 2 years of long-term care insurance left? (Mary in WI)

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