Full Show: 10 Essential Duties of a Real Fiduciary Financial Advisor (It’s Not Just Investing)

If you think a financial advisor’s only job is to pick stocks, you’re missing out on the most valuable services a true fiduciary provides. In this episode, Wes Moss breaks down the ten essential roles a fee-only advisor should play. Whether you are engineering a retirement cash flow or navigating the emotional rollercoaster of market volatility, learn why a real fiduciary is your “personal CFO” for every major life decision, not just your investment portfolio.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 19, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: https://www.wesmoss.com/ask

00:00 – Intro
05:27 – 5 Essential Duties of a Real Fiduciary Financial Advisor
08:52 – Ask an Advisor – Are Dividend ETFs Better Than Picking Individual Dividend Stocks? (Listener, Unknown Location)
12:28 – Ask an Advisor How Much Cash Should Retirees Keep Safe vs. Invested? (Kelly, Oregon)
15:43 – Ask an Advisor – How Can Early Retirees Manage Sequence Risk Without Tax-Inefficient Bonds? (Justin, Illinois)
18:05 – 5 Essential Duties of a Real Fiduciary Financial Advisor
24:39 – Ask an Advisor – Should I Keep a Guaranteed 4% Pension Account or Roll It Into My TSP? (Clay, Kentucky)
26:37 – Ask an Advisor – How Long Should Trustees Keep Tax Returns and Trust Documents After Closing a Trust? (John, Oregon)

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