# Retirement Planning Reset: Retirement Confidence, Roth Strategies, Fiduciary Standards & Income Planning Context

Page: https://stenobird.com/podcast/retire-sooner-with-wes-moss-978646/retirement-planning-reset-retirement-confidence-roth-strategies-fiduciary-standards-income-planning-context
Text version: https://stenobird.com/podcast/retire-sooner-with-wes-moss-978646/retirement-planning-reset-retirement-confidence-roth-strategies-fiduciary-standards-income-planning-context.md
Podcast: [Retire Sooner with Wes Moss](https://stenobird.com/podcast/retire-sooner-with-wes-moss-978646)
Published: 2026-04-30T16:00:00+00:00
Episode link: https://www.retiresoonerteam.com/podcast/
Audio file: https://traffic.megaphone.fm/GGILR5806023379.mp3?updated=1777375203
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JSON: https://stenobird.com/v1/public/podcasts/retire-sooner-with-wes-moss-978646/episodes/retirement-planning-reset-retirement-confidence-roth-strategies-fiduciary-standards-income-planning-context
Duration seconds: 2188

## Resource

Take a step back and get a clearer view of your retirement plan in this episode of the Retire Sooner Podcast with Wes Moss and Christa DiBiase. Enjoy a practical, easy-to-follow conversation that connects real data, real questions, and real-life planning: offering perspective to help guide decisions. • Explore why retirement confidence may be slipping, using insights from the Employee Benefit Research Institute and the University of Michigan, and see how inflation and oil prices have historically been associated with changing outlooks. • Break down the difference between fiduciary and non-fiduciary advisors to provide a backdrop when evaluating who you trust with your financial picture. • Walk through listener questions on 457(b) vs. 401(k) plans, Roth vs. traditional strategies, and how early retirement access rules actually work. • Get more clarity on VEBA HRA accounts vs. HSAs, and consider what may be affecting Roth IRA growth—including allocation choices and tools used. • Think through when a trust might make sense and how savings accounts, money markets, and bonds may play different roles as interest rates shift. • Consider ways to prepare for long-term care costs, including self-insuring concepts that tie into income planning and HSA savings over time. Looking to explore big picture retirement planning without getting lost in the weeds? This episode is a great place to start. Listen and subscribe to the Retire Sooner Podcast! Learn more about your ad choices. Visit megaphone.fm/adchoices

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## Transcript

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