02.17.26 Ask An Advisor With Wes Moss

🎙️ The Voices & The Context

• The Format: Casual Q&A advice show where hosts field listener questions on personal finance, investing, and economic trends.
• The Key Players:
  • Hosts: Wes Moss (lead advisor, delivers detailed analysis) and Krista de Bias (co-host, tees up questions); part of Team Clark (referencing Clark Howard's insights on jobs/unemployment).
  • Chemistry is smooth and professional—Wes dominates with charts/data, Krista keeps it flowing like a radio DJ.
• The Vibe: Educational and optimistic—practical money tips amid economic "churn," with upbeat takes on a resilient job market.

🗝️ Key Themes & Topics

Financial advice radio-style, blending small business survival, investing strategies, banking gripes, and macro job data amid AI-driven changes.

• Topic 1: Small Business Cash Crunches. Wes advises on bridging temporary shortfalls (e.g., late client payments) using brokerage accounts (capital gains tax) or Roth IRA contributions (tax/penalty-free withdrawal) and the 60-day rollover rule to avoid taxes.
• Topic 2: Small Cap Investments. Listeners with $2M+ portfolios get thumbs-up for 18% in small cap value—due for "reversion to the mean" after mega-cap dominance; early 2026 rotation shows promise.
• Topic 3: Savings Rates & Bank Inertia. Nostalgia for 6% '90s rates sparks rant: banks/credit union