Retirement planning isn’t one decision—it’s a series of trade-offs shaped by rules, markets, and real life. In this episode of the Money Matters Podcast, Wes Moss and Christa DiBiase address listener questions and frame timely retirement, tax, and investment topics in a balanced, long-term context designed to inform—not predict—financial outcomes.

• Clarify how TSP protections, RMD rules, and post-retirement investment options interact, and compare staying in the TSP versus rolling to a provider when evaluating fees, Roth conversions, and flexibility.

• Evaluate UTMA vs. UGMA accounts for children, including tax treatment, ownership control, and potential financial aid implications.

• Reassess the 4% withdrawal rule of thumb, consider adjustments if you own your home outright, and apply the 25X framework when estimating retirement income needs.

• Analyze high-yield bond ETFs within a diversified allocation by reviewing risk, yield characteristics, and how they differ from traditional bonds.

• Examine whether keeping life insurance near retirement aligns with income protection, estate planning, or legacy objectives.

• Explore what pursuing the CFP® designation may require and how a financial planning career path can take shape.

Retirement strategy is built on thoughtful evaluation, disciplined allocation, and informed decision-making—not guarantees. Listen and subscribe to the Money Matters Podcast for educational retirement planning, investment strategy, and wealth management discussions grounded in long-term perspective.