Wes Moss is a man on a mission. The Atlanta-based CERTIFIED FINANCIAL PLANNER™ and money educator has devoted his professional life to helping Americans retire sooner than they ever thought possible. He is a Managing Partner in Capital Investment Advisors (CIA), a fee-only investment firm with over $4 billion in assets under management (as of December 31, 2021). Also serving as Chief Investment Strategist, he leads a team of financial advisors who share a zeal for helping families find happiness in retirement. A fervent financial evangelist, Wes utilizes every available media platform to teach readers, listeners, and viewers how they can retire on their own terms. He bases much of his retirement planning philosophy on years of extensive research studying and surveying the financial and lifestyle habits of happy retirees, all of which can be found in his two books: What The Happiest Retirees Know and You Can Retire Sooner Than You Think. Wes is the host of the long-running weekly call-in radio show Money Matters, the host/creator of the nationally recognized Retire Sooner Podcast, and the editor of WesMoss.com. He is a frequent resource for news outlets across the country. Wes has found that while money is a key ingredient in ensuring a fulfilling retirement, it’s only part of the recipe. The happiest retirees know in advance how they want to spend their golden years and they’ve taken the steps to make it possible. Happiness is more than just freedom from work, it’s having a purpose for that freedom. The happiest retirees have several core pursuits—hobbies on steroids—that engage their minds and keep them socially active long after they’ve stopped punching a time clock. Wes is a firm believer in income investing as a means to build and manage retirement savings. He and his team help individuals and families invest in assets that make regular cash payments in the form of dividends, interest, and distributions. During the investor’s wealth-building years that income stream is reinvested in the portfolio to contribute to its growth. In retirement, those payments can be directed into the investor’s bank account as a “paycheck” to help meet monthly expenses. Before joining CIA, Wes worked for UBS Financial Services in its Atlanta office. He holds a degree in economics from the University of North Carolina, Chapel Hill. He lives in Atlanta with his wife and their four boys. His core pursuits are golfing and coaching his boys’ lacrosse teams. All investments involve risks, including possible loss of principal. Stock prices fluctuate, sometimes rapidly and dramatically, due to factors affecting individual companies, particular industries or sectors, or general market conditions. For stocks paying dividends, dividends are not guaranteed, and can increase, decrease, or be totally eliminated without notice. Fixed-income securities involve interest rate, credit, inflation, and reinvestment risks; and possible loss of principal. As interest rates rise, the value of fixed-income securities falls.