Скачать или смотреть Full Show: How To Avoid a Massive Medicare Premium Spike and Can AI Be Your Financial Planner?

A retired couple’s home renovation plans nearly triggered a massive, hidden cost that no one wants to pay: the Income-Related Monthly Adjustment Amount (IRMAA). Fiduciary financial advisor Wes Moss breaks down how a simple plan to pay for a renovation could have led to thousands of dollars in extra Medicare premiums and what you can do to avoid a similar fate. Also, Wes dives into the world of AI and financial planning. He explains why AI is a powerful tool for analysis, but warns against using it as a fortune teller. Find out how you can use AI to your advantage while avoiding the dangerous pitfalls of letting it make your big financial decisions for you.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 26, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: https://clark.com/ask

00:00 - Intro
01:37 - How To Avoid a Massive Medicare Premium Spike
10:20 - Ask an Advisor - Can Wes explain tokenization, its pros and cons, and whether other brokerages will adopt it? (Jack in Oklahoma)
13:49 - Ask an Advisor - Can my grandchild receive Social Security if I delay benefits and serve as their legal guardian while my son continues raising them? (Edward in North Carolina)
16:17 - Ask an Advisor - Should excess rental income go toward the mortgage principal or an investment account given my 4.125% rate and 8-month emergency fund? (David in Tennessee)
20:07 - Can AI Be Your Financial Planner?
28:52 - Ask an Advisor - Are REITs a good investment, and what are the downsides to watch out for? (John in Georgia)
32:31 - Ask an Advisor - Should we sell our profitable IPO investment this year to avoid future capital gains tax, or hold and pay the tax later? (Todd in Florida)

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