12.23.25 Ask An Advisor With Wes Moss

December 23, 2025

AI Summary

5 min read

🎙️ The Voices & The Context

The Format: This radio-style podcast blends host-led financial advice with real listener questions, centering on practical retirement and healthcare navigation in a post-election policy shift era. Educational and reassuring, like a trusted advisor chat over coffee.
The Format: A host discussion featuring Q&A from listeners.
The Key Players:
- Christa Diviaz: Warm co-host who introduces topics and empathizes with callers.
- Wes Moss: Investment advisor and main expert, delivering data-driven insights with relatable stories; their chemistry is collaborative and light-hearted, bantering on golf and dream retirements while tackling heavy topics like widowhood and Fed policy.

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What you'll learn

1 (01:04) **Welcome & Episode Preview**
2 (02:48) **ACA Healthcare for Early Retirees & Job Losers**
3 (12:26) **Jeannie (AR): Retire at 60 vs. 65 Due to Spouse's Age/Health**
4 (16:16) **Joy (PA): Principal Protected Notes in IRA**
5 (18:41) **Rich (AR): Overfunded Early Retirement Strategy**
6 (27:01) **Fed Rate Cut Analysis & Economic Outlook**
7 (35:32) **Doug (OH): Social Security—Early Claim & Invest vs. Delay to 70**

+ Full timestamped outline available in the app

Show Notes

The Secret to Affordable Healthcare & Will Mortgage Rates Go to 5% Soon? Wes Moss reveals a critical, little-known healthcare secret that can save early retirees, job-leavers, and other Americans thousands of dollars a month on medical coverage before age 65. Hear the incredible story of Rebecca, who thought she was stuck paying $2,500/month for COBRA but discovered a way to slash her premium to less than $200 through the ACA, thanks to enhanced subsidies. Wes walks through how to use free resources to save big. Also, Wes breaks down the latest Fed rate cut and explains why it may not mean cheaper mortgages.

Mentioned on the show:

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 23, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.

We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments!

Learn more about Wes:

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