Wes Moss breaks down a troubling shift in the American economy: the rapid decline of retirement confidence. Drawing on three decades of data from the Employee Benefit Research Institute (EBRI), Wes highlights a staggering trend where worker confidence has dropped in 2026. This pessimistic outlook is mirrored by the University of Michigan Consumer Sentiment index, which has hit an all-time historical low. Wes identifies the primary culprit. Also, Wes tackles the crucial question of who you should trust to manage your money during these uncertain times. He demystifies the industry by comparing financial advisors to peppers in a grocery store: while they may look identical on the outside, their “heat” levels vary wildly. Wes discusses why transparency is key and provides actionable advice on how to check your advisor’s contract to ensure your investments are working for you, not your advisor’s bottom line.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 28, 2026, Ask an Advisor episode of the Clark Howard podcast.

Submit your questions: https://wesmoss.com/ask

00:00 – Intro
01:35 – Why Retirement Confidence Is Plunging
09:26 – Ask An Advisor – Should I put more money at my 457 vs my 401k (Mike, Tennessee)
12:31 – Ask an Advisor – How to use my wife’s HRA Account? (Nathan, Oregon)
15:25 – Ask an Advisor – Roth IRA vs Target Date Funds or FidelityGo (Tanya, Colorado)
19:18 – Fiduciary vs. Financial Advisor
24:45 – Ask an Advisor – When to have a Trust? (Will, Kansas)
28:21 – Ask an Advisor – Why bother with bonds? (Brian, South Carolina)
30:04 – Ask an Advisor – How much should we set aside for self-lomg-term care? (Heather, South Carolina)

Clark.com: Advice You Can Trust:
SUBSCRIBE: https://www.youtube.com/c/Clark

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⚠️ DISCLAIMER – READ FIRST
This video is not financial advice. It is for educational and entertainment purposes only. I may earn a commission through some of the links below — at no extra cost to you.
Crypto-assets are highly volatile and involve significant risk. These offers are intended for experienced users only and may not be available in your region. Always verify local laws before registering or trading on any platform.

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LEGAL & REGULATORY DISCLAIMER

1. Corporate Entity & Content Purpose
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Alright ladies… we need to talk about throw pillows.

It feels harmless, right? A $20 pillow here, a $30 one there… but over time, you’re spending more and more trying to “fix” a room that still doesn’t feel right.

And it’s not because you need more pillows. It’s because you’re missing the design principles that actually pull a space together.

Once you understand how a room works as a whole, you stop chasing little fixes and start creating something that feels complete.

That’s exactly what I teach inside my course, The Seasoned Home. If you’re ready to finally understand how to decorate your home in a way that works, no matter your budget or season of life, join the waitlist at RebeccaRobeson.com.

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00:00 Intro
09:18 let’s be real.. nobody is DM’ing this dude lol
22:10 buddys never heard of a release form
30:49 hilarious.
40:30 Resume Review!
59:15 why is Brint trying to give a tutorial
01:15:40 what is bro on about

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Want more content?
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🍿 Financial Audit Follow-Ups here: / @financialauditfollowups
🍿 Caleb Hammer Livestreams: https://bit.ly/caleb-live
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IG: https://www.instagram.com/calebhammercomposer/
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*Want to be a guest on Financial Audit?*
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👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply

*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.

Sponsorship and business inquiries: business@calebhammer.com

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