Clear Money Talk: Recent Episodes
Tim Clairmont
Tim Clairmont, CEO & Founder of Clear Financial Partners joins you on Clear Money Talk to break down retirement and offer up creative solutions for your future. Listen as Tim Clairmont talks about his passion for helping people reach financial independence through Education, Choice, Transparency, and Empathy.
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-579-1000 or visit ClearFP.com
For homeowners considering borrowing against the equity in their home, deciding how to access it is not always straightforward. Should you open a home equity line of credit, or would a cash-out refinance make more sense in the 2026 interest-rate environment?
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, compare HELOCs and cash-out refinances. They discuss how your existing mortgage rate, borrowing needs, repayment timeline, closing costs, and plans for the money can all influence the decision.
They also explore when flexibility may matter more than a fixed repayment structure, why a lower monthly payment does not always lead to a lower long-term cost, and how borrowing against your home may affect your broader financial position.
Tune in to hear the full conversation, available now on YouTube, Apple Podcasts, or wherever you listen.
For homeowners considering borrowing against the equity in their home, deciding how to access it is not always straightforward. Should you open a home equity line of credit, or would a cash-out refinance make more sense in the 2026 interest-rate environment?
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, compare HELOCs and cash-out refinances. They discuss how your existing mortgage rate, borrowing needs, repayment timeline, closing costs, and plans for the money can all influence the decision.
They also explore when flexibility may matter more than a fixed repayment structure, why a lower monthly payment does not always lead to a lower long-term cost, and how borrowing against your home may affect your broader financial position.
Tune in to hear the full conversation, available now on YouTube, Apple Podcasts, or wherever you listen.
DIY investing can work well when your financial life is relatively simple. But as taxes, retirement planning, business ownership, concentrated stock, estate planning, and multiple financial goals begin to overlap, the challenge becomes less about choosing investments and more about coordinating decisions.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss the signs that your financial life may have outgrown a do-it-yourself approach. They also explore what a financial advisor can add beyond investment selection, including tax awareness, risk planning, retirement income strategy, behavioral guidance, and a second set of eyes on important decisions.
Tune in to this week's episode for the full conversation. Available now on YouTube, Apple Podcasts, or wherever you listen.
DIY investing can work well when your financial life is relatively simple. But as taxes, retirement planning, business ownership, concentrated stock, estate planning, and multiple financial goals begin to overlap, the challenge becomes less about choosing investments and more about coordinating decisions.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss the signs that your financial life may have outgrown a do-it-yourself approach. They also explore what a financial advisor can add beyond investment selection, including tax awareness, risk planning, retirement income strategy, behavioral guidance, and a second set of eyes on important decisions.
Tune in to this week's episode for the full conversation. Available now on YouTube, Apple Podcasts, or wherever you listen.
The American Dream used to feel like a clear roadmap. Today, it can feel more like a moving target.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss whether the American Dream is still financially attainable and how the definition of success has changed over time.
From housing and education costs to career choices, debt, lifestyle expectations, and retirement, they explore why traditional milestones may feel harder to reach today and why financial success may look different for each person.
Watch the full episode for a thoughtful conversation on redefining the American Dream in today's financial reality.
The American Dream used to feel like a clear roadmap. Today, it can feel more like a moving target.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss whether the American Dream is still financially attainable and how the definition of success has changed over time.
From housing and education costs to career choices, debt, lifestyle expectations, and retirement, they explore why traditional milestones may feel harder to reach today and why financial success may look different for each person.
Watch the full episode for a thoughtful conversation on redefining the American Dream in today's financial reality.
Six months can change a lot. Has your financial plan kept up?
In this episode of Clear Money Talk, we share a practical mid-year checklist to help you review what may need attention before year-end.
We cover key areas to revisit, including cash flow, spending, savings goals, tax planning, insurance coverage, estate planning basics, and overall financial priorities.
You can also download the free Mid-Year Financial Checklist on our website under the Insights tab and use it to follow along with the episode.
Subscribe for more straightforward conversations about the money questions people are actually asking.
Six months can change a lot. Has your financial plan kept up? In this episode of Clear Money Talk, we share a practical mid-year checklist to help you review what may need attention before year-end. We cover key areas to revisit, including cash flow, spending, savings goals, tax planning, insurance coverage, estate planning basics, and overall financial priorities. You can also download the free Mid-Year Financial Checklist on our website under the Insights tab and use it to follow along with the episode.
Subscribe for more straightforward conversations about the money questions people are actually asking.
Turning 40 is not a financial deadline, but it can be a meaningful checkpoint. In this episode of Clear Money Talk, Tim Clairmont and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss several financial moves worth considering before age 40, including building cash reserves, managing high-interest debt, saving with more intention, protecting income, reviewing workplace benefits, and making sure basic estate planning documents are in place. They also talk about how early financial decisions can affect flexibility later in life. From retirement savings to insurance coverage and goal-setting, the conversation focuses on practical ways to bring more structure and clarity to your financial plan. Whether you are approaching 40, already past it, or thinking through these decisions for your family, this episode offers a helpful reminder that small choices made today can play an important role over time. Download the companion checklist for this episode to review the financial moves worth considering before age 40: https://clearfp.com/financial-moves-to-consider-before-40-checklist/
Turning 40 is not a financial deadline, but it can be a meaningful checkpoint. In this episode of Clear Money Talk, Tim Clairmont and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss several financial moves worth considering before age 40, including building cash reserves, managing high-interest debt, saving with more intention, protecting income, reviewing workplace benefits, and making sure basic estate planning documents are in place. They also talk about how early financial decisions can affect flexibility later in life. From retirement savings to insurance coverage and goal-setting, the conversation focuses on practical ways to bring more structure and clarity to your financial plan. Whether you are approaching 40, already past it, or thinking through these decisions for your family, this episode offers a helpful reminder that small choices made today can play an important role over time. Download the companion checklist for this episode to review the financial moves worth considering before age 40: https://clearfp.com/financial-moves-to-consider-before-40-checklist/
RSUs can feel like a great opportunity, but they can also create a tough question: Should you sell when they vest, or hold the stock and see what happens?
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the key considerations behind restricted stock units, including taxes, concentration risk, emotional attachment, and how company stock may fit into a broader financial picture.
They also explore one simple question that can help clarify the decision: If this showed up as cash instead of stock, would you use that money to buy the same company's shares?
Tune in for a clear, practical conversation about RSUs and why the right decision depends on more than the stock price.
RSUs can feel like a great opportunity, but they can also create a tough question: Should you sell when they vest, or hold the stock and see what happens?
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the key considerations behind restricted stock units, including taxes, concentration risk, emotional attachment, and how company stock may fit into a broader financial picture.
They also explore one simple question that can help clarify the decision: If this showed up as cash instead of stock, would you use that money to buy the same company's shares?
Tune in for a clear, practical conversation about RSUs and why the right decision depends on more than the stock price.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore a question more investors are starting to ask:
Is private equity worth the hype?
Private equity can sound interesting because it may offer access to companies that are not traded on the stock market. But it also comes with tradeoffs that are easy to overlook, including limited access to your money, less transparency, and different fee structures.
They discuss:
• What private equity actually is
• Why it has been getting more attention
• How it differs from buying publicly traded stocks
• The potential benefits and tradeoffs
• Why understanding the investment matters before deciding whether it belongs in your plan
Private equity may be worth understanding, but that does not mean it's right for everyone. This episode helps break down the opportunity, tradeoffs, and the key questions investors should consider before moving beyond traditional public markets.
Tune in to the full episode on YouTube, Spotify, Apple Podcasts, or wherever you listen.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore a question more investors are starting to ask:
Is private equity worth the hype?
Private equity can sound interesting because it may offer access to companies that are not traded on the stock market. But it also comes with tradeoffs that are easy to overlook, including limited access to your money, less transparency, and different fee structures.
They discuss:
• What private equity actually is
• Why it has been getting more attention
• How it differs from buying publicly traded stocks
• The potential benefits and tradeoffs
• Why understanding the investment matters before deciding whether it belongs in your plan
Private equity may be worth understanding, but that does not mean it's right for everyone. This episode helps break down the opportunity, tradeoffs, and the key questions investors should consider before moving beyond traditional public markets.
Tune in to the full episode on YouTube, Spotify, Apple Podcasts, or wherever you listen.
On paper, wealth can look like a number. Net worth, income, assets, investments, and lifestyle all tend to shape how people measure financial success. But in real life, feeling wealthy often has less to do with the size of your balance sheet and more to do with clarity, confidence, health, margin, and whether your money supports the life you actually want to live. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore why some people may look wealthy but still feel financially uneasy, while others may have fewer assets on paper but feel secure in their financial life. They discuss how lifestyle creep, social media comparisons, unclear goals, and lack of structure can make it difficult to feel wealthy, even when the numbers seem strong. They also unpack why predictable income, inflation planning, thoughtful spending habits, and a clear purpose for your money may contribute to a clearer and more confident financial perspective. Whether you are building wealth, preparing for retirement, or simply trying to better understand your relationship with money, this conversation offers a thoughtful look at what it really means to feel wealthy.
On paper, wealth can look like a number. Net worth, income, assets, investments, and lifestyle all tend to shape how people measure financial success. But in real life, feeling wealthy often has less to do with the size of your balance sheet and more to do with clarity, confidence, health, margin, and whether your money supports the life you actually want to live. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore why some people may look wealthy but still feel financially uneasy, while others may have fewer assets on paper but feel secure in their financial life. They discuss how lifestyle creep, social media comparisons, unclear goals, and lack of structure can make it difficult to feel wealthy, even when the numbers seem strong. They also unpack why predictable income, inflation planning, thoughtful spending habits, and a clear purpose for your money may contribute to a clearer and more confident financial perspective. Whether you are building wealth, preparing for retirement, or simply trying to better understand your relationship with money, this conversation offers a thoughtful look at what it really means to feel wealthy.
When does it make sense to pay off your mortgage early?
It's a question many people ask, especially as retirement gets closer, cash reserves grow, or interest rates shift. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the key factors that can shape that decision and why the right answer is rarely one-size-fits-all.
Tim and Tyler explore how mortgage rates, tax treatment, liquidity, risk tolerance, and retirement timing can all influence whether paying off your mortgage early is the smartest move. They also discuss the emotional side of the equation, including the peace of mind that can come from reducing debt and why behavior matters just as much as math.
Whether you are deciding between paying down debt, investing excess cash, or creating more flexibility for retirement, this episode will help you think through the tradeoffs with greater clarity.
When does it make sense to pay off your mortgage early?
It's a question many people ask, especially as retirement gets closer, cash reserves grow, or interest rates shift. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the key factors that can shape that decision and why the right answer is rarely one-size-fits-all.
Tim and Tyler explore how mortgage rates, tax treatment, liquidity, risk tolerance, and retirement timing can all influence whether paying off your mortgage early is the smartest move. They also discuss the emotional side of the equation, including the peace of mind that can come from reducing debt and why behavior matters just as much as math.
Whether you are deciding between paying down debt, investing excess cash, or creating more flexibility for retirement, this episode will help you think through the tradeoffs with greater clarity.
What should you do with your old 401(k)s after you change jobs?
It sounds like a simple question, but the wrong move can create unnecessary taxes, missed opportunities, or added complexity. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, unpack the bigger picture behind old retirement accounts and why this decision deserves more attention than it often gets.
From understanding your available options to recognizing some of the most common missteps, this conversation is designed to help listeners slow down and think more intentionally about a decision that can have lasting financial consequences. What seems like a small administrative task can actually play a meaningful role in how organized, efficient, and aligned your financial life remains over time.
Whether you have one old 401(k) or several accounts scattered across past employers, this episode will help you think more clearly about what comes next and what mistakes are worth avoiding.
What should you do with your old 401(k)s after you change jobs?
It sounds like a simple question, but the wrong move can create unnecessary taxes, missed opportunities, or added complexity. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, unpack the bigger picture behind old retirement accounts and why this decision deserves more attention than it often gets.
From understanding your available options to recognizing some of the most common missteps, this conversation is designed to help listeners slow down and think more intentionally about a decision that can have lasting financial consequences. What seems like a small administrative task can actually play a meaningful role in how organized, efficient, and aligned your financial life remains over time.
Whether you have one old 401(k) or several accounts scattered across past employers, this episode will help you think more clearly about what comes next and what mistakes are worth avoiding.
Should you stop using your debit card? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the pros and cons of debit cards versus credit cards and explain why this everyday money decision may matter more than most people realize. From fraud protection and frozen bank funds to credit-building opportunities, rewards programs, and spending discipline, this episode explores the real-world tradeoffs behind how you pay. Tim and Tyler also share when a debit card may still be appropriate, why credit cards can be a powerful financial tool when used responsibly, and how to think through the best option for your own situation. Tune in for a practical conversation on spending smarter, protecting your cash flow, and making more intentional financial decisions.
Should you stop using your debit card? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the pros and cons of debit cards versus credit cards and explain why this everyday money decision may matter more than most people realize. From fraud protection and frozen bank funds to credit-building opportunities, rewards programs, and spending discipline, this episode explores the real-world tradeoffs behind how you pay. Tim and Tyler also share when a debit card may still be appropriate, why credit cards can be a powerful financial tool when used responsibly, and how to think through the best option for your own situation.
Tune in for a practical conversation on spending smarter, protecting your cash flow, and making more intentional financial decisions.
When global conflict dominates the headlines, uncertainty can spread through financial markets and the broader economy. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore how war and geopolitical conflict can influence the economy, market volatility, inflation, energy prices, and investor behavior. They discuss why markets often react during periods of uncertainty, what history has shown about economic conditions during wartime, and how investors can think about maintaining discipline when headlines create fear or confusion. The goal of Clear Money Talk is to turn complex financial topics into clear, practical insights so listeners can better understand the forces shaping the economy and financial markets. We appreciate you spending your minutes with us.
When global conflict dominates the headlines, uncertainty can spread through financial markets and the broader economy. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore how war and geopolitical conflict can influence the economy, market volatility, inflation, energy prices, and investor behavior. They discuss why markets often react during periods of uncertainty, what history has shown about economic conditions during wartime, and how investors can think about maintaining discipline when headlines create fear or confusion. The goal of Clear Money Talk is to turn complex financial topics into clear, practical insights so listeners can better understand the forces shaping the economy and financial markets. We appreciate you spending your minutes with us.
Life naturally evolves over time. Careers progress. Families grow. Priorities shift.
The question is not whether change happens. It is whether your financial plan reflects where you are today.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, CFS®, CIS™, CAS®, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor discuss why financial planning is not a one-time event. They explore how plans can quietly drift out of alignment and why intentional, recurring Strategy Sessions help ensure clarity over time.
They also revisit the Five Principles of Financial Planning and explain how each one plays a role in keeping your strategy cohesive, intentional, and aligned with your long term goals.
A well-designed plan should evolve as you do.
If you find conversations like this helpful, subscribe to Clear Money Talk so you do not miss future episodes. You can also explore additional insights and resources at ClearFP.com.
Life naturally evolves over time. Careers progress. Families grow. Priorities shift.
The question is not whether change happens. It is whether your financial plan reflects where you are today.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, CFS®, CIS™, CAS®, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor discuss why financial planning is not a one-time event. They explore how plans can quietly drift out of alignment and why intentional, recurring Strategy Sessions help ensure clarity over time.
They also revisit the Five Principles of Financial Planning and explain how each one plays a role in keeping your strategy cohesive, intentional, and aligned with your long term goals.
A well-designed plan should evolve as you do.
If you find conversations like this helpful, subscribe to Clear Money Talk so you do not miss future episodes. You can also explore additional insights and resources at ClearFP.com.
t's easy to get caught up in investment returns, market headlines, and performance scorecards. But is focusing on returns alone really the best way to build long-term wealth?
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor explore the difference between chasing performance and building a thoughtful financial plan designed to support your life over decades, not just one market cycle.
They discuss why trying to beat the market can become a distraction, how emotional decision-making often works against investors, and why patience and discipline matter more than perfect timing. The conversation also touches on time in the market versus timing the market, the role of taxes and planning, and why your financial plan not short-term returns, is the real MVP.
If you've ever wondered whether you're investing with purpose or just reacting to the scoreboard, this episode offers helpful perspective.
🎧Listen on Apple Podcasts, Spotify, or watch on YouTube.
It's easy to get caught up in investment returns, market headlines, and performance scorecards. But is focusing on returns alone really the best way to build long-term wealth?
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor explore the difference between chasing performance and building a thoughtful financial plan designed to support your life over decades, not just one market cycle.
They discuss why trying to beat the market can become a distraction, how emotional decision-making often works against investors, and why patience and discipline matter more than perfect timing. The conversation also touches on time in the market versus timing the market, the role of taxes and planning, and why your financial plan not short-term returns, is the real MVP.
If you've ever wondered whether you're investing with purpose or just reacting to the scoreboard, this episode offers helpful perspective.
🎧Listen on Apple Podcasts, Spotify, or watch on YouTube.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor explore why money conversations inside families are often avoided and why avoiding them can create bigger problems down the road. They break down practical, real-world ways to approach sensitive financial conversations with spouses, children, and future beneficiaries, especially when it comes to wealth transfer, estate planning, and shared values. Rather than focusing solely on numbers, Tim and Tyler explain how leading with intent, communication, and clarity can help preserve both relationships and wealth across generations.
This episode covers:
- Why 70% of wealth transfers fail due to poor communication, not poor planning
- How to talk about money using shared values instead of dollar amounts
- When transparency helps, and when too much detail can create conflict
- The role of trusted third parties in family financial discussions
- Tools that can help families stay aligned, including letters of intent, family meetings, and recorded messages
If you've ever delayed a financial conversation because it felt uncomfortable, this discussion offers thoughtful context on how to approach it with intention and care, before assumptions and misunderstandings take over.
Whether you're thinking about estate planning, educating the next generation, or simply improving financial communication at home, this episode provides perspective to help you start the conversation more clearly.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor explore why money conversations inside families are often avoided and why avoiding them can create bigger problems down the road.
They break down practical, real-world ways to approach sensitive financial conversations with spouses, children, and future beneficiaries, especially when it comes to wealth transfer, estate planning, and shared values. Rather than focusing solely on numbers, Tim and Tyler explain how leading with intent, communication, and clarity can help preserve both relationships and wealth across generations.
This episode covers:
- Why 70% of wealth transfers fail due to poor communication, not poor planning
- How to talk about money using shared values instead of dollar amounts
- When transparency helps, and when too much detail can create conflict
- The role of trusted third parties in family financial discussions
- Tools that can help families stay aligned, including letters of intent, family meetings, and recorded messages
If you've ever delayed a financial conversation because it felt uncomfortable, this discussion offers thoughtful context on how to approach it with intention and care, before assumptions and misunderstandings take over.
Whether you're thinking about estate planning, educating the next generation, or simply improving financial communication at home, this episode provides perspective to help you start the conversation more clearly.
Artificial intelligence is rapidly changing how people research, plan, and make financial decisions. But can AI really help you invest smarter, or does it introduce new risks?
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor explore how AI is already influencing investing and financial planning, and where human judgment still matters most.
You will learn:
- How artificial intelligence is changing investing and financial decision-making
- Where AI can be helpful for investors, including education, research, and organizing financial questions
- The risks of relying on AI for investment decisions, including bias, missing context, and overconfidence
- Why asking the right questions is critical when using AI tools
- How working with a financial advisor adds perspective AI cannot replicate
Tim and Tyler also discuss generational differences in how people use technology, the concept of AI "hallucinations," and why AI works best as a supporting tool rather than a replacement for personalized financial planning.
If you are curious about how AI fits into investing, retirement planning, and long-term financial strategy, this episode provides a balanced and practical perspective on how to use AI wisely without letting it drive your decisions
Artificial intelligence is rapidly changing how people research, plan, and make financial decisions. But can AI really help you invest smarter, or does it introduce new risks?
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor explore how AI is already influencing investing and financial planning, and where human judgment still matters most.
You will learn:
- How artificial intelligence is changing investing and financial decision-making
- Where AI can be helpful for investors, including education, research, and organizing financial questions
- The risks of relying on AI for investment decisions, including bias, missing context, and overconfidence
- Why asking the right questions is critical when using AI tools
- How working with a financial advisor adds perspective AI cannot replicate
Tim and Tyler also discuss generational differences in how people use technology, the concept of AI "hallucinations," and why AI works best as a supporting tool rather than a replacement for personalized financial planning.
If you are curious about how AI fits into investing, retirement planning, and long-term financial strategy, this episode provides a balanced and practical perspective on how to use AI wisely without letting it drive your decisions
The beginning of a new year creates an opportunity to get organized, revisit priorities, and make thoughtful financial decisions.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, walk through a practical, step by step New Year Financial Checklist designed to help you bring clarity to your financial life without pressure or perfectionism. From reviewing savings and retirement contributions to double checking beneficiaries, cash flow, insurance coverage, taxes, and investment alignment, this conversation focuses on actionable ideas you can implement right away.
To make it even easier, we have created a free, downloadable New Year Financial Planning Checklist that mirrors the discussion in this episode. It is designed to be simple, approachable, and easy to work through at your own pace. You can tackle everything in one sitting or spread it out over the coming weeks.
Download the checklist using the link in the episode description and use it as a guide to stay organized, intentional, and proactive throughout the year.
Your New Year Financial Planning Checklist - Clear Financial Partners
This episode is about progress, not perfection. Small steps, taken consistently, can create meaningful momentum. Clarity is often the best place to begin.
The beginning of a new year creates an opportunity to get organized, revisit priorities, and make thoughtful financial decisions.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, walk through a practical, step by step New Year Financial Checklist designed to help you bring clarity to your financial life without pressure or perfectionism. From reviewing savings and retirement contributions to double checking beneficiaries, cash flow, insurance coverage, taxes, and investment alignment, this conversation focuses on actionable ideas you can implement right away.
To make it even easier, we have created a free, downloadable New Year Financial Planning Checklist that mirrors the discussion in this episode. It is designed to be simple, approachable, and easy to work through at your own pace. You can tackle everything in one sitting or spread it out over the coming weeks.
Download the checklist using the link in the episode description and use it as a guide to stay organized, intentional, and proactive throughout the year.
Your New Year Financial Planning Checklist - Clear Financial Partners
This episode is about progress, not perfection. Small steps, taken consistently, can create meaningful momentum. Clarity is often the best place to begin.
Bonus Episode: Are You Relying Too Heavily on Your Employer for Financial Security?
This bonus episode of Clear Money Talk features Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, tackling an important question many people overlook: how dependent are you on your employer for long-term financial stability?
Employer-sponsored benefits such as 401(k) plans, pensions, stock compensation, group life insurance, disability coverage, and health insurance can play an important role in a financial plan. However, Tim and Tyler discuss how job changes, layoffs, early retirement, health events, or corporate decisions can expose gaps if those benefits are the foundation of your entire strategy.
This educational conversation walks through how financial resilience often requires diversification beyond your employer and a clearer understanding of what happens when employment ends, whether by choice or circumstance.
Topics discussed include:
- Concentration risk tied to employer stock and equity compensation
- Why pensions and Social Security typically replace only a portion of income
- The limitations of relying solely on employer-sponsored retirement plans
- What happens to health, life, and disability insurance after leaving a job
- The role of emergency savings and liquidity planning
- Why having a financial "Plan B" can reduce uncertainty and stress
Bonus Episode: Are You Relying Too Heavily on Your Employer for Financial Security?
This bonus episode of Clear Money Talk features Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, tackling an important question many people overlook: how dependent are you on your employer for long-term financial stability?
Employer-sponsored benefits such as 401(k) plans, pensions, stock compensation, group life insurance, disability coverage, and health insurance can play an important role in a financial plan. However, Tim and Tyler discuss how job changes, layoffs, early retirement, health events, or corporate decisions can expose gaps if those benefits are the foundation of your entire strategy.
This educational conversation walks through how financial resilience often requires diversification beyond your employer and a clearer understanding of what happens when employment ends, whether by choice or circumstance.
Topics discussed include:
- Concentration risk tied to employer stock and equity compensation
- Why pensions and Social Security typically replace only a portion of income
- The limitations of relying solely on employer-sponsored retirement plans
- What happens to health, life, and disability insurance after leaving a job
- The role of emergency savings and liquidity planning
- Why having a financial "Plan B" can reduce uncertainty and stress
U.S. household debt has surpassed $18 trillion, and higher interest rates have changed how many people experience borrowing. This episode of Clear Money Talk takes an educational look at how rising debt fits into today's financial landscape and why it has become a more important topic in recent years. The discussion explores how different types of debt such as student loans, mortgages, credit cards, and auto loans can affect cash flow and long-term planning decisions. Tim and Tyler also unpack the often-overlooked "hidden cost" of debt, including how ongoing interest payments can influence financial flexibility over time. Topics covered include:
- Why debt feels different in a higher-interest-rate environment
- Which groups may feel the impact of rising debt more directly and which may not
- General frameworks commonly used to prioritize debt repayment
- An overview of snowball vs. avalanche payoff approaches
- High-level considerations around refinancing and consolidation
- The importance of balancing debt management with long-term saving habits
U.S. household debt has surpassed $18 trillion, and higher interest rates have changed how many people experience borrowing. This episode of Clear Money Talk takes an educational look at how rising debt fits into today's financial landscape and why it has become a more important topic in recent years. The discussion explores how different types of debt such as student loans, mortgages, credit cards, and auto loans can affect cash flow and long-term planning decisions. Tim and Tyler also unpack the often-overlooked "hidden cost" of debt, including how ongoing interest payments can influence financial flexibility over time. Topics covered include:
- Why debt feels different in a higher-interest-rate environment
- Which groups may feel the impact of rising debt more directly and which may not
- General frameworks commonly used to prioritize debt repayment
- An overview of snowball vs. avalanche payoff approaches
- High-level considerations around refinancing and consolidation
- The importance of balancing debt management with long-term saving habits
Financial "gurus," viral videos, and now AI tools. Everywhere you look, someone has advice about your money. But how do you know what to trust? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the real question behind the noise: Can you actually trust online financial advice? They dig into:
- Why "trust but verify" is essential in the age of algorithm-driven content
- How opinions get packaged as facts, and how to spot it
- The danger of confirmation bias (and how your search terms shape your answers)
- The rise of AI "hallucinations" and why quick summaries aren't enough
- The six principles of comprehensive financial planning, and why online clips rarely address them all
- Why understanding the why behind any recommendation matters far more than the headline
Tim and Tyler also unpack how expertise, credentials, and compliance oversight help separate credible guidance from attention-grabbing shortcuts.
If you've ever wondered whether that video, article, or AI-generated tip is worth trusting, this episode gives you the clarity to evaluate advice with confidence.
Financial "gurus," viral videos, and now AI tools. Everywhere you look, someone has advice about your money. But how do you know what to trust? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the real question behind the noise: Can you actually trust online financial advice? They dig into:
- Why "trust but verify" is essential in the age of algorithm-driven content
- How opinions get packaged as facts, and how to spot it
- The danger of confirmation bias (and how your search terms shape your answers)
- The rise of AI "hallucinations" and why quick summaries aren't enough
- The six principles of comprehensive financial planning, and why online clips rarely address them all
- Why understanding the why behind any recommendation matters far more than the headline
Tim and Tyler also unpack how expertise, credentials, and compliance oversight help separate credible guidance from attention-grabbing shortcuts.
If you've ever wondered whether that video, article, or AI-generated tip is worth trusting, this episode gives you the clarity to evaluate advice with confidence.
What should you do when the market hits record highs? Investors everywhere are asking the same question, and in this episode, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, share perspectives to help you think through the decision with more clarity and confidence. Tim and Tyler explore the common fears that come with market highs, including: * Should you invest now or wait for a potential pullback? * Does buying at a record level increase risk? * How realistic is it to time the market consistently? * How might inflation or opportunity cost influence your long-term plan?
You'll hear discussions around: How often the S&P 500 has historically reached new highs and why context matters The potential cost of waiting on the sidelines during market growth How missing even a few strong market days has historically impacted long-term returns Why even professional money managers struggle to time the market Approaches such as dollar cost averaging, diversification, and bucket planning that may help reduce risk over time Why periods of market strength can be an appropriate moment to review your allocation and confirm it aligns with your long-term goals Whether you're building toward retirement or working to preserve what you've accumulated, this conversation offers education designed to help you make informed decisions and stay focused on your financial plan rather than short-term market headlines. Tune in for actionable insights and a grounded perspective on navigating market highs with discipline and confidence.
What should you do when the market hits record highs? Investors everywhere are asking the same question, and in this episode, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, share perspectives to help you think through the decision with more clarity and confidence. Tim and Tyler explore the common fears that come with market highs, including: * Should you invest now or wait for a potential pullback? * Does buying at a record level increase risk? * How realistic is it to time the market consistently? * How might inflation or opportunity cost influence your long-term plan?
You'll hear discussions around: How often the S&P 500 has historically reached new highs and why context matters The potential cost of waiting on the sidelines during market growth How missing even a few strong market days has historically impacted long-term returns Why even professional money managers struggle to time the market Approaches such as dollar cost averaging, diversification, and bucket planning that may help reduce risk over time Why periods of market strength can be an appropriate moment to review your allocation and confirm it aligns with your long-term goals Whether you're building toward retirement or working to preserve what you've accumulated, this conversation offers education designed to help you make informed decisions and stay focused on your financial plan rather than short-term market headlines. Tune in for actionable insights and a grounded perspective on navigating market highs with discipline and confidence.
Inflation is quietly eroding the value of trillions sitting in savings accounts, money markets, and CDs. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, unpack what it really means to make your cash "work."
They break down: 💡 The hidden cost of holding too much cash 💡 The "three levers" of safety, liquidity, and rate of return and why you can't max them all 💡 How to find your personal comfort level for cash reserves 💡 The difference between your guilty bucket and guilt-free bucket of money
Whether you're saving for short-term goals or building long-term wealth, this episode will help you understand how to balance security, access, and growth potential - so your dollars are truly working for you.
Keywords: cash management, inflation, savings accounts, money market, CDs, emergency fund, liquidity, rate of return, personal finance, financial planning, Clear Money Talk
Inflation is quietly eroding the value of trillions sitting in savings accounts, money markets, and CDs. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, unpack what it really means to make your cash "work."
They break down: 💡 The hidden cost of holding too much cash 💡 The "three levers" of safety, liquidity, and rate of return and why you can't max them all 💡 How to find your personal comfort level for cash reserves 💡 The difference between your guilty bucket and guilt-free bucket of money
Whether you're saving for short-term goals or building long-term wealth, this episode will help you understand how to balance security, access, and growth potential - so your dollars are truly working for you.
Keywords: cash management, inflation, savings accounts, money market, CDs, emergency fund, liquidity, rate of return, personal finance, financial planning, Clear Money Talk
A new tax bill has officially been signed into law — but what does it really mean for your income, your small business, and your long-term financial plan?
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor break down the key changes, including:
- The new standard deduction and SALT cap increase
- Expanded small business and child tax credits
- Reinstated R&D deductions for innovation
- Cuts to certain federal programs
- Growing national deficit and long-term planning implications
- Strategic estate planning opportunities
Tim and Tyler explain how these updates may affect your taxes today and your broader financial strategy tomorrow.
Listen now to learn how to navigate the new rules and plan proactively for the years ahead.
A new tax bill has officially been signed into law — but what does it really mean for your income, your small business, and your long-term financial plan?
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor break down the key changes, including:
- The new standard deduction and SALT cap increase
- Expanded small business and child tax credits
- Reinstated R&D deductions for innovation
- Cuts to certain federal programs
- Growing national deficit and long-term planning implications
- Strategic estate planning opportunities
Tim and Tyler explain how these updates may affect your taxes today and your broader financial strategy tomorrow.
Listen now to learn how to navigate the new rules and plan proactively for the years ahead.
Retirement works best when you're on the same page, financially and emotionally.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor explore how to align your plan with your partner's goals and protect each other along the way:
🔹 Coordinating Social Security and pension choices with survivor benefits in mind 🔹 The survivor reality: income may drop, taxes can rise, and expenses often don't fall as much as you think 🔹 Blended families, "fairness," and protecting your legacy 🔹 Why both partners need a seat at the table (and a trusted backup driver 🚗)
They unpack the emotional and practical sides of couples planning and share how a little clarity today can save a lot of stress tomorrow.
🎧 Listen now and make sure your plan truly works for both of you.
Retirement works best when you're on the same page, financially and emotionally.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor explore how to align your plan with your partner's goals and protect each other along the way:
🔹 Coordinating Social Security and pension choices with survivor benefits in mind 🔹 The survivor reality: income may drop, taxes can rise, and expenses often don't fall as much as you think 🔹 Blended families, "fairness," and protecting your legacy 🔹 Why both partners need a seat at the table (and a trusted backup driver 🚗)
They unpack the emotional and practical sides of couples planning and share how a little clarity today can save a lot of stress tomorrow.
🎧 Listen now and make sure your plan truly works for both of you.
Is Crypto Right for You?
Bitcoin, blockchain, and cryptocurrencies have been everywhere in the headlines, but do they really belong in your financial plan?
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, and Tyler Andrews unpack the basics of crypto: 🔹 What it is (and isn’t) 🔹 Why it’s considered speculative and volatile 🔹 How blockchain works behind the scenes 🔹 The difference between “FOMO investing” and intentional strategy
They also share personal stories, historical context, and practical ways to think about where (if at all) crypto might fit into a bigger picture plan.
Whether you’re crypto-curious or just tired of the buzzwords, this episode breaks it down in plain English. Listen now and decide for yourself: is crypto the main course, or just the “sizzle on the steak”?
Is Crypto Right for You?
Bitcoin, blockchain, and cryptocurrencies have been everywhere in the headlines, but do they really belong in your financial plan?
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, and Tyler Andrews unpack the basics of crypto: 🔹 What it is (and isn’t) 🔹 Why it’s considered speculative and volatile 🔹 How blockchain works behind the scenes 🔹 The difference between “FOMO investing” and intentional strategy
They also share personal stories, historical context, and practical ways to think about where (if at all) crypto might fit into a bigger picture plan.
Whether you’re crypto-curious or just tired of the buzzwords, this episode breaks it down in plain English. Listen now and decide for yourself: is crypto the main course, or just the “sizzle on the steak”?
If Congress doesn’t act, the 2025 tax sunset could bring higher income taxes, lower deductions, and a significant reduction in estate tax exemptions. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down the ripple effects this could have on high-income earners, retirees, and families with growing estates.
They also share practical tools to prepare—like using life insurance in estate planning, reviewing your gifting strategies, and considering Roth conversions while today’s tax rates are still in place.
The 2025 Tax Sunset could reshape the financial landscape, possibly leading to higher income taxes, reduced deductions, and lower estate tax exemptions. What might that mean for retirement planning, estate strategies, and long-term wealth management?
Episode overview: In this episode of Clear Money Talk, Tim Clairmont MSFS™, LACP™, and Tyler Andrews CFP® explore the potential ripple effects on retirees, high-income earners, and families building their estates.
They also discuss educational strategies people often consider, such as:
✔️ Using life insurance in estate planning
✔️ Reviewing gifting approaches
✔️ Considering Roth conversions while today’s tax rates are still in place
🎧 Tune in for clear, practical insights to help you stay informed.
They’re marketed as convenient. But Target Date Funds can sometimes be too aggressive, too conservative, or simply too generic for your unique situation. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down the mechanics of Target Date Funds and offer perspective on how to evaluate whether they’re truly working for you.
The conversation covers the importance of understanding your fund’s glide path, comparing how different providers structure their portfolios, and evaluating the potential risks of relying too heavily on automation. You’ll also hear about alternative strategies that could provide more clarity, flexibility, and alignment with your goals.
They’re marketed as convenient. But Target Date Funds can sometimes be too aggressive, too conservative, or simply too generic for your unique situation. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down the mechanics of Target Date Funds and offer perspective on how to evaluate whether they’re truly working for you.
The conversation covers the importance of understanding your fund’s glide path, comparing how different providers structure their portfolios, and evaluating the potential risks of relying too heavily on automation. You’ll also hear about alternative strategies that could provide more clarity, flexibility, and alignment with your goals.
Empty nesting isn’t just an emotional milestone—it’s a financial one too. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, share ideas to help listeners make the most of this new phase.
They cover the impact of budget changes, how to reallocate spending once the kids are off the payroll, and ways to catch up on retirement savings. The conversation also touches on the realities of downsizing, the importance of legacy planning, and how to embrace a refreshed financial identity moving forward.
Empty nesting isn’t just an emotional milestone—it’s a financial one too. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, share ideas to help listeners make the most of this new phase.
They cover the impact of budget changes, how to reallocate spending once the kids are off the payroll, and ways to catch up on retirement savings. The conversation also touches on the realities of downsizing, the importance of legacy planning, and how to embrace a refreshed financial identity moving forward.
From saving 10% of your salary to allocating bonds based on your age, there are plenty of old money myths still floating around. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down some of the most common financial rules of thumb and explore whether they’re helping—or holding you back.
They share the history behind these ideas, why they became popular, and what today’s retirees could consider instead. If you’re rethinking your approach to retirement planning, this episode offers a fresh, practical perspective.
From saving 10% of your salary to allocating bonds based on your age, there are plenty of old money myths still floating around. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down some of the most common financial rules of thumb and explore whether they’re helping—or holding you back.
They share the history behind these ideas, why they became popular, and what today’s retirees could consider instead. If you’re rethinking your approach to retirement planning, this episode offers a fresh, practical perspective.
Many people work hard to save for retirement—but saving isn’t the same as planning. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down why having a strategy matters and how to avoid relying on “hope” alone for your financial future.
If you’ve ever wondered whether you’re truly prepared for retirement—or simply crossing your fingers that it will all work out—this episode can help you think through what’s next.
Many people work hard to save for retirement—but saving isn’t the same as planning. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down why having a strategy matters and how to avoid relying on “hope” alone for your financial future.
If you’ve ever wondered whether you’re truly prepared for retirement—or simply crossing your fingers that it will all work out—this episode can help you think through what’s next.
Many individuals overlook the specific details that could affect their Social Security benefits, such as the timing of claims and the intricacies of spousal and survivor benefits. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, discuss how different scenarios—whether you’re married, divorced, widowed, or still working—can impact your Social Security strategy. They also touch on the taxes that could eat into your benefits and how to incorporate Social Security into your broader financial plan.
If you're looking to gain a deeper understanding of how your unique circumstances could influence your Social Security decisions, this episode offers practical insights to help you make more informed choices.
Many individuals overlook the specific details that could affect their Social Security benefits, such as the timing of claims and the intricacies of spousal and survivor benefits. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, discuss how different scenarios—whether you’re married, divorced, widowed, or still working—can impact your Social Security strategy. They also touch on the taxes that could eat into your benefits and how to incorporate Social Security into your broader financial plan.
If you're looking to gain a deeper understanding of how your unique circumstances could influence your Social Security decisions, this episode offers practical insights to help you make more informed choices.
Many people delay estate planning without realizing the potential consequences for their families and finances. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down the essential components of a sound estate plan, and why waiting too long can cause confusion, conflict, or unnecessary costs later.
This isn’t a scare tactic—it’s a practical guide to making thoughtful decisions while you still can. Because if you don’t take the time to plan, someone else will make the choices for you.
Many people delay estate planning without realizing the potential consequences for their families and finances. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down the essential components of a sound estate plan, and why waiting too long can cause confusion, conflict, or unnecessary costs later.
This isn’t a scare tactic—it’s a practical guide to making thoughtful decisions while you still can. Because if you don’t take the time to plan, someone else will make the choices for you.
Small choices can have a big impact over time – sometimes in ways that aren’t immediately obvious. In this episode, Tim Clairmont MSFS™, LACP™, and Tyler Andrews CFP® discuss common patterns they’ve seen that may unintentionally interfere with financial progress: emotional spending, delayed action, lack of a written plan, overconfidence in DIY strategies, and overlooking tax and estate considerations.
This isn’t about one-size-fits-all advice. It’s a conversation meant to help listeners consider where they are today, what habits might be worth revisiting, and where there may be room to adjust.
Small choices can have a big impact over time – sometimes in ways that aren’t immediately obvious. In this episode, Tim Clairmont MSFS™, LACP™, and Tyler Andrews CFP® discuss common patterns they’ve seen that may unintentionally interfere with financial progress: emotional spending, delayed action, lack of a written plan, overconfidence in DIY strategies, and overlooking tax and estate considerations.
This isn’t about one-size-fits-all advice. It’s a conversation meant to help listeners consider where they are today, what habits might be worth revisiting, and where there may be room to adjust.
Let’s be honest—tax season doesn’t exactly spark joy. But there’s a lot more to it than just plugging numbers into a software and hitting “submit.” In this episode, Tim Clairmont MSFS™, LACP™, and Tyler Andrews CFP® sit down to unpack some of the real questions people are asking right now: Are you withholding too much or too little from your paycheck? Are there deductions or credits you’re overlooking? Could a few small adjustments now save you headaches (and maybe dollars) next year?
Let’s be honest—tax season doesn’t exactly spark joy. But there’s a lot more to it than just plugging numbers into a software and hitting “submit.” In this episode, Tim Clairmont MSFS™, LACP™, and Tyler Andrews CFP® sit down to unpack some of the real questions people are asking right now: Are you withholding too much or too little from your paycheck? Are there deductions or credits you’re overlooking? Could a few small adjustments now save you headaches (and maybe dollars) next year?
If you’ve ever thought, “I don’t love my current job,” or started imagining a long-term shift into something new, this episode is for you. Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, walk through practical financial questions you should ask yourself before jumping into a career transition.
If you’ve ever thought, “I don’t love my current job,” or started imagining a long-term shift into something new, this episode is for you. Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, walk through practical financial questions you should ask yourself before jumping into a career transition.
Caring for aging parents is a reality many of us have faced, will face, or are facing, but it's not always something we talk about openly. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, take a thoughtful look at the emotional and financial challenges that come with supporting aging loved ones. They discuss how to approach this important aspect of life with compassion and awareness, and offer insight into the broader picture of planning for the future.
Caring for aging parents is a reality many of us have faced, will face, or are facing, but it's not always something we talk about openly. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, take a thoughtful look at the emotional and financial challenges that come with supporting aging loved ones. They discuss how to approach this important aspect of life with compassion and awareness, and offer insight into the broader picture of planning for the future.
The Backdoor Roth IRA can seem like a strategy for the financially savvy, but is it really all it’s cracked up to be? Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, dive deep into how this unique retirement strategy works, who should consider it, and whether it’s worth the effort for your financial goals.
The Backdoor Roth IRA can seem like a strategy for the financially savvy, but is it really all it’s cracked up to be? Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, dive deep into how this unique retirement strategy works, who should consider it, and whether it’s worth the effort for your financial goals.
The decision of a lifetime: Should you stay in your current home or move when you retire? Tim Clairmont MSFS™, LACP™, Wealth Advisor and Tyler Andrews CFP®, Wealth Advisor, are breaking it down in our latest episode with some surprising insights! From taxes to cost of living, and even the wild idea of living on a cruise ship – you won't believe what they have to say! 🚢
If you're thinking about retirement, this is the episode you NEED to hear.
The decision of a lifetime: Should you stay in your current home or move when you retire? Tim Clairmont MSFS™, LACP™, Wealth Advisor and Tyler Andrews CFP®, Wealth Advisor, are breaking it down in our latest episode with some surprising insights! From taxes to cost of living, and even the wild idea of living on a cruise ship – you won't believe what they have to say! 🚢
If you're thinking about retirement, this is the episode you NEED to hear.
How do we maximize our 401k? In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, explore various strategies that may help you consider different aspects of 401k planning. They discuss factors that could influence how individuals approach their retirement savings and share general thoughts on what might impact long-term financial planning.
How do we maximize our 401k? In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, explore various strategies that may help you consider different aspects of 401k planning. They discuss factors that could influence how individuals approach their retirement savings and share general thoughts on what might impact long-term financial planning.
The world of financial advice can be overwhelming—so who do you trust? Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, discuss the differences between independent and corporate financial management and what might influence your choice.
The world of financial advice can be overwhelming—so who do you trust? Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, discuss the differences between independent and corporate financial management and what might influence your choice.
How can the principles of personal growth impact your financial journey? Join Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, as they explore how the lessons from personal development can have a powerful impact on our financial decision-making and long-term growth.
How can the principles of personal growth impact your financial journey? Join Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, as they explore how the lessons from personal development can have a powerful impact on our financial decision-making and long-term growth.
Are money myths unknowingly influencing your financial choices? In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down some of the most common ideas about money. They share their perspectives on these beliefs, reflect on their personal experiences with them, and discuss how these myths might shape the way we think about financial decisions.
Are money myths unknowingly influencing your financial choices? In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down some of the most common ideas about money. They share their perspectives on these beliefs, reflect on their personal experiences with them, and discuss how these myths might shape the way we think about financial decisions.
Do emotions ever play a role in your financial choices? In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, explore the connection between feelings and financial success. They discuss how emotional factors can sometimes impact decision-making and consider ways to navigate these influences in the pursuit of financial well-being.
Do emotions ever play a role in your financial choices? In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, explore the connection between feelings and financial success. They discuss how emotional factors can sometimes impact decision-making and consider ways to navigate these influences in the pursuit of financial well-being.
Have you ever wondered about the role of Social Security? In this episode, Tim and Tyler examine the relevance of Social Security for high-net-worth individuals. They discuss its potential impact in a more complex financial landscape and consider factors that may influence its role for those with significant assets.
Have you ever wondered about the role of Social Security? In this episode, Tim and Tyler examine the relevance of Social Security for high-net-worth individuals. They discuss its potential impact in a more complex financial landscape and consider factors that may influence its role for those with significant assets.
Are you a freelancer or gig economy worker seeking effective ways to manage your finances? In this episode, Tim and Tyler explore strategies that individuals with flexible or irregular incomes often use to seek long-term stability in today’s ever-changing job market.
Are you a freelancer or gig economy worker seeking effective ways to manage your finances? In this episode, Tim and Tyler explore strategies that individuals with flexible or irregular incomes often use to seek long-term stability in today’s ever-changing job market.
With fluctuating interest rates, many people find themselves considering mortgage refinancing. In this episode, Tim and Tyler explore common reasons for refinancing and share their perspectives on the potential benefits and drawbacks.
With fluctuating interest rates, many people find themselves considering mortgage refinancing. In this episode, Tim and Tyler explore common reasons for refinancing and share their perspectives on the potential benefits and drawbacks.
The FIRE movement—Financial Independence, Retire Early—is a growing trend many aspire to but understand little about. Tim and Tyler explore practical ideas for achieving financial freedom, maintaining a fulfilling lifestyle, and whether this ambitious goal is truly attainable.
The FIRE movement—Financial Independence, Retire Early—is a growing trend many aspire to but understand little about. Tim and Tyler explore practical ideas for achieving financial freedom, maintaining a fulfilling lifestyle, and whether this ambitious goal is truly attainable.
Curious about IRMAA and how it could influence your Medicare costs? In this episode, Tim and Tyler break down the Income-Related Monthly Adjustment Amount, explaining why it matters and offering insights to help manage its impact.
Curious about IRMAA and how it could influence your Medicare costs? In this episode, Tim and Tyler break down the Income-Related Monthly Adjustment Amount, explaining why it matters and offering insights to help manage its impact.
Curious about how to navigate the complexities of your Roth IRA? Tim and Tyler are here to share insightful tips and strategies!
Curious about how to navigate the complexities of your Roth IRA? Tim and Tyler are here to share insightful tips and strategies!
Stockpiling wealth for yourself can be a great feeling, but sharing with loved ones can feel even better! Join Tim & Tyler as they discuss several concepts about gifting investments to help others build their wealth!
Stockpiling wealth for yourself can be a great feeling, but sharing with loved ones can feel even better! Join Tim & Tyler as they discuss several concepts about gifting investments to help others build their wealth!
As time marches on, it may be worth reviewing your finances to make sure you don’t miss a crucial year- end deadline. Tune in to hear Tim & Tyler discuss 5 financial check-list items to give consideration to before the end of the year!
As time marches on, it may be worth reviewing your finances to make sure you don’t miss a crucial year- end deadline. Tune in to hear Tim & Tyler discuss 5 financial check-list items to give consideration to before the end of the year!
In this episode, Tim & Tyler break down the essentials of disability insurance—what it covers, how it works, and why it might be worth considering. Tune in to learn how it can protect your income in case of unexpected life events.
In this episode, Tim & Tyler break down the essentials of disability insurance—what it covers, how it works, and why it might be worth considering. Tune in to learn how it can protect your income in case of unexpected life events.
Inflation - It’s a term you’ve likely heard often these days. Join Tim & Tyler as they break down how inflation can affect your retirement savings.
Inflation - It’s a term you’ve likely heard often these days. Join Tim & Tyler as they break down how inflation can affect your retirement savings.
Ever wondered what it takes to become a financial planner? Join Tim & Tyler as they discuss the key steps, challenges, and rewards for anyone curious about the profession or considering it as a career.
Ever wondered what it takes to become a financial planner? Join Tim & Tyler as they discuss the key steps, challenges, and rewards for anyone curious about the profession or considering it as a career.
You’ve watched them grow up and work hard to graduate, and now you want to see them do something smart with money. Tune in and listen to Tim & Tyler discuss how a recent graduate can get started with investing!
You’ve watched them grow up and work hard to graduate, and now you want to see them do something smart with money. Tune in and listen to Tim & Tyler discuss how a recent graduate can get started with investing!
Saving and planning for education-related expenses is no small undertaking! Join Tim and Tyler as they discuss some of the common ways parents choose to save for their children’s education.
Saving and planning for education-related expenses is no small undertaking! Join Tim and Tyler as they discuss some of the common ways parents choose to save for their children’s education.
With the popularity of index funds on the rise, it is important to understand the ins and outs of how they work. Tune in and listen to Tim and Tyler discuss the nuts and bolts of index funds!
With the popularity of index funds on the rise, it is important to understand the ins and outs of how they work. Tune in and listen to Tim and Tyler discuss the nuts and bolts of index funds!
There’s nothing more satisfying than paying off a loan. Tune in to hear Tim and Tyler discuss different strategies for getting out of debt.
There’s nothing more satisfying than paying off a loan. Tune in to hear Tim and Tyler discuss different strategies for getting out of debt.
Diversification, we’ve all heard the word! Join Tim and Tyler as they unravel the complexities of diversification and how it can fit into a well-rounded investment portfolio.
Diversification, we’ve all heard the word! Join Tim and Tyler as they unravel the complexities of diversification and how it can fit into a well-rounded investment portfolio.
Have you thought about what will happen to your money and who it will go to when you’re no longer around? Join Tim & Tyler as they discuss different ways to help your hard-earned money pass efficiently to the intended recipients.
Have you thought about what will happen to your money and who it will go to when you’re no longer around? Join Tim & Tyler as they discuss different ways to help your hard-earned money pass efficiently to the intended recipients.
Retired individuals create income in a myriad of different ways, some methods more common and others less common. Join Tim & Tyler as they discuss how retirees generate income beyond the well- known social security and pension.
Retired individuals create income in a myriad of different ways, some methods more common and others less common. Join Tim & Tyler as they discuss how retirees generate income beyond the well- known social security and pension.
Is life insurance on your mind? Well, it is for us! Join Tim & Tyler as they discuss different types of life insurance and how to apply them in the real world.
Is life insurance on your mind? Well, it is for us! Join Tim & Tyler as they discuss different types of life insurance and how to apply them in the real world.
Got a business? Got retirement? Often the first answer is “yes” and the second is “no”. Learn tips from Tim and Tyler as they share four retirement planning strategies for business owners.
Got a business? Got retirement? Often the first answer is “yes” and the second is “no”. Learn tips from Tim and Tyler as they share four retirement planning strategies for business owners.
Tim & Tyler talk retirement savings as they explore the ins-and-outs of 401K investing. Learn how to better optimize your 401K plan!
Tim & Tyler talk retirement savings as they explore the ins-and-outs of 401K investing. Learn how to better optimize your 401K plan!
Join Tim & Tyler as they explore the Top-10 questions currently on the minds of most Americans. Whether you’re in the Pacific Northwest or not, learn practical insights, tips and tricks to improve your personal financial situation.
Join Tim & Tyler as they explore the Top-10 questions currently on the minds of most Americans. Whether you’re in the Pacific Northwest or not, learn practical insights, tips and tricks to improve your personal financial situation.
Join Tim & Tyler as they share their thoughts regarding bank accounts and the right amount to keep in them! Tune-in to gain practical insights on everything from checking accounts, savings accounts, emergency funds and more in this jam-packed episode of Clear Money Talk!
Join Tim & Tyler as they share their thoughts regarding bank accounts and the right amount to keep in them! Tune-in to gain practical insights on everything from checking accounts, savings accounts, emergency funds and more in this jam-packed episode of Clear Money Talk!
Have you ever wanted more tax-free money? Join Tim & Tyler as they teach the basic concept of an advanced retirement income strategy. Discover the L.I.R.P!
Have you ever wanted more tax-free money? Join Tim & Tyler as they teach the basic concept of an advanced retirement income strategy. Discover the L.I.R.P!
Spend your minutes with Tim & Tyler as they make non-binding predictions about the rest of this year. And, learn what political position Tim has decided to run for!
Spend your minutes with Tim & Tyler as they make non-binding predictions about the rest of this year. And, learn what political position Tim has decided to run for!
Visit with Tim & Tyler as they discuss their recent insights obtained from an Ethical Hacker. Learn to better protect your identity and your privacy.
Visit with Tim & Tyler as they discuss their recent insights obtained from an Ethical Hacker. Learn to better protect your identity and your privacy.
Taxes, you've heard the words! Learn the differences between Traditional & Roth IRA's, in this simple to follow clear podcast.
Taxes, you've heard the words! Learn the differences between Traditional & Roth IRA's, in this simple to follow clear podcast.
Tim & Tyler discuss Real Estate! Join Tim & Tyler as they walk you through going from renter to homeowner...homeowner to landlord or vacation owner...landlord to real estate investor. And, learn the basics of postponing taxes through a 1031 exchange.
Tim & Tyler discuss Real Estate! Join Tim & Tyler as they walk you through going from renter to homeowner...homeowner to landlord or vacation owner...landlord to real estate investor. And, learn the basics of postponing taxes through a 1031 exchange.
Join Tim Clairmont and his co-host, Tyler, as they explain in easy-to-understand language what clients can expect to receive from working with a financial advisor.
Join Tim Clairmont and his co-host, Tyler, as they explain in easy-to-understand language what clients can expect to receive from working with a financial advisor.
Join Tim & Tyler as they continue their discussion of how to best take care of your loved ones when you're gone. Learn the basics of a will vs. a trust
Join Tim & Tyler as they continue their discussion of how to best take care of your loved ones when you're gone. Learn the basics of a will vs. a trust
Listen as Tim & Tyler discuss the most common question their clients ask, how much should I take out each year in retirement? Explore the merits of the 4% Rule, the Trinity Study & sequence of returns risk while smiling along with Tim & Tyler.
Listen as Tim & Tyler discuss the most common question their clients ask, how much should I take out each year in retirement? Explore the merits of the 4% Rule, the Trinity Study & sequence of returns risk while smiling along with Tim & Tyler.
In this new higher interest rate environment many investors are looking closer at CD's and Fixed Indexed Annuities. Join Tim and Tyler as they discuss the pros and cons of these two conservative investment options.
In this new higher interest rate environment many investors are looking closer at CD's and Fixed Indexed Annuities. Join Tim and Tyler as they discuss the pros and cons of these two conservative investment options.
Fiduciary can be a commonly used and often misunderstood word. Learn about what this is, when a financial services professional is acting as one, and when they are not.
Learn about Variable Annuities. What is one? How do they work? And, what do they do and not do?
A commonly used word that many people pretend to fully understand. Brush up on your understanding with this brief answer to the question - What is a Mutual Fund.
Learn about the Delaware Statutory Trust. How to own a fractional interest in real estate that may qualify for a 1031 exchange.
The new SECURE ACT 2.0 updated these plans. Get some quick basics on what a 529 plan is and how they are most often used.
Learn what it means to be a fiduciary and so much more. Tim and Tyler explain what mutual funds are, how DST's work with 1031 exchanges, typical basics of Variable Annuities, and ways to use the new and improved 529 Plan. Learn all this lingo in our fun, information-packed, Clear Money Talk format!
Join Tim as he discusses the costs of long term care, the odds of needing care, what insurance does and doesn't cover, and other strategies to deal with the rising cost of long term care expenses. Listen to the full podcast to hear the true story of long time clients, John and Susan, and how they handled their need for long term care.
Join Tim as he discusses the costs of long term care, the odds of needing care, what insurance does and doesn't cover, and other strategies to deal with the rising cost of long term care expenses. Listen to the full podcast to hear the true story of long time clients, John and Susan, and how they handled their need for long term care.
Tim asked ChatGPT "What are the top 10 money mistakes made by people in the U.S.?" Learn how to avoid many of these mistakes while having fun listening to Tim share his best tips and tricks to improving your financial life.
Tim asked ChatGPT "What are the top 10 money mistakes made by people in the U.S.?" Learn how to avoid many of these mistakes while having fun listening to Tim share his best tips and tricks to improving your financial life.
Learn about debt! Is there such a thing as “good debt”? Which credit cards should you pay off first? When should you consider investing rather than paying down your mortgage? Join Tim as he provides insights and answers to all of these questions and more in this episode of Clear Money Talk.
Learn about debt! Is there such a thing as “good debt”? Which credit cards should you pay off first? When should you consider investing rather than paying down your mortgage? Join Tim as he provides insights and answers to all of these questions and more in this episode of Clear Money Talk.
Have you ever wondered why Bear Markets are called Bear Markets and Bull Markets are called Bull Markets? Do you need a refresher on what these terms even mean? Join Tim and his right-hand advisor, Tyler, as they teach you the must knows about Bears and Bulls.
Have you ever wondered why Bear Markets are called Bear Markets and Bull Markets are called Bull Markets? Do you need a refresher on what these terms even mean? Join Tim and his right-hand advisor, Tyler, as they teach you the must knows about Bears and Bulls.
Join Tim Clairmont and learn about the impact of interest rates on your personal financial plan. Have you adjusted your plan for these higher interest rates?
Join Tim Clairmont and learn about the impact of interest rates on your personal financial plan. Have you adjusted your plan for these higher interest rates?
Most advisors are focused on maximizing the ROI of your investments. But, what is the return on investment of your minutes? Join Tim as he discusses your two limited resources - your minutes and your dollars.
Most advisors are focused on maximizing the ROI of your investments. But, what is the return on investment of your minutes? Join Tim as he discusses your two limited resources - your minutes and your dollars.
Taxes, taxes, taxes! It's that time of year again. Join Tim as he answers the question Are you paying too much in taxes? You can increase your basic knowledge of taxes and "geek out" with Tim as he shares some of his origin story and the reason why he became a financial advisor.
JUST THE ANSWER: The recent collapse of the Silicon Valley Bank (SVB) has people asking how safe is my money? Tim Clairmont discusses what caused the situation at SVB, why it's important to create protection in your portfolio, and how susceptible are you to risk in the market.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont visit ClearFP.com
The recent collapse of the Silicon Valley Bank (SVB) has people asking how safe is my money? Tim Clairmont discusses what caused the situation at SVB and why it's important to create protection in your portfolio. He also talk's about how you can assess your current financial situation to see if you are susceptible to risk in the market.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont visit ClearFP.com
What is wrong with your portfolio? Do you even know? Tim Clairmont discusses how taking a black light to your portfolio may reveal problems such as lack of diversification and future tax issues that you may not notice without a second set of eyes.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont visit ClearFP.com
JUST THE ANSWER: What is wrong with your portfolio? Do you even know? Tim Clairmont discusses how taking a black light to your portfolio may reveal problems such as lack of diversification and future tax issues that you may not notice without a second set of eyes.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont visit ClearFP.com
JUST THE ANSWER: Can artificial intelligence (AI) replace your financial advisor? We put ChatGPT to the test against Tim, asking it to "build the perfect financial plan!" Will AI replace your financial advisor?
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont visit ClearFP.com
Can artificial intelligence (AI) replace your financial advisor? Recently ChatGPT has passed US Medical, legal, and business exams, but how will it fare in the financial world? We put it to the test against Tim and asked it to "build the perfect financial plan!" Will AI replace your financial advisor?
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont visit ClearFP.com
JUST THE ANSWER: Tim Clairmont shares the 7 most important changes you need to know about the Secure Act 2.0 and how it could change your retirement plan.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont visit ClearFP.com
The U.S. government spent $1.7-trillion to make it easier for you to retire, but what changed? Tim Clairmont breaks down what he believes are the 7 most important parts of the new Secure Act 2.0 and how they could affect your retirement plan!
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont visit ClearFP.com
Taxes have a major impact on your retirement. Tim explains how having a tax strategy can make a major different on your outcome.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
Some companies are starting to include 401ks in their retirement plans. Is this a good idea? Tim breaks the idea down and explains why it's crucial to get a professional opinion on your financial future.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
What kind of financial resolutions should we be setting in 2023? Tim Clairmont has a few ideas. Plus, is inflations finally going to slow down this year?
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
Once upon a time, having saved one million dollars for retirement ensured that you would live comfortably,but that's not necessarily the case today. Tim Clairmont breaks down how to calculate that number for yourself and why 'tax planning' is a crucial part of your retirement plan.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
The sudden collapse of cryptocurrency FTX has us wondering what are more traditional investments Tim Clairmont might recommend. Plus, we break down how much an annuity would cost vs. the 4% rule.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
If someone has the means to retire early, and wants to retire early, what consequences should they be mindful of? Tim Clairmont breaks that down. Plus, what is your relationship with money? We found a stat that shows most of us make crucial financial decisions based more on emotion than logic!
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
Could the worst of the recession still be in front of us? Tim Clairmont answers that and explains how taxes could make a bigger impact on your retirement than you may think.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
If you’re nervous about the stock market and have parked some cash on the side, you aren’t alone. Plus, how can we check to see if our portfolio is healthy?
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
In 1979, Inflation was running over 13%. Gas was up 50%. And the interest rate was 11.2%. We got through it. Tim breaks down how he's giving his clients confidence during this volatile time.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
In 1979, Inflation was running over 13%. Gas was up 50%. And the interest rate was 11.2%. We got through it. Tim breaks down how he's giving his clients confidence during this volatile time.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
What are the common mistakes people make in retirement? Tim breaks those down and offers up strategies around them. Plus, how can we limit our tax burden in retirement?
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
There's a common theme to concerns in retirement. Tim explains how to handle those worries. Plus, should we spend more early in retirement on the fun stuff? Or hang onto it in case we need healthcare.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
What grade would you give the Fed right now? Tim talks about strategies and tactics to navigate this volatile time.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
What financial rules does Tim deem outdated? Plus, the IRS has good news for retirees.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
Tim discusses the story of KFC’s Colonel Sanders, who wisely decided to put off retirement and what will changes to Social Security mean for you.
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
If we aren't royalty, how can we get financial perks like the King? Plus is it true if you eliminate the risk, eliminate the worry?
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
How will federal student loan forgiveness affect you? Plus, Tim breaks down what we can learn from a 7-year-old who loves corn
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
Many 401ks are down and Tim breaks down how more people need to move from the accumulation phase to the preservation phase. Plus the government is making changes again, but they could benefit you this time!
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
Wait until you hear comedian Kevin Hart’s biggest financial fear! Why do so many of us make mundane decisions every day, yet don’t decide to talk with a financial advisor? Plus, Tim will tell you about a creative way some are leaving their legacies
To get more information on Clear Financial Partners, or to schedule a consultation with Tim Clairmont call, 503-809-5020 or visit ClearFP.com
Tim breaks down how target date funds work and why there could be a different strategy better suited for you. Plus, why it's important to talk to your adult kids if you plan to leave them money.
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
Why do fees in your retirement portfolio often go unnoticed? We'll hear Vice President Mike Pence explain why he feels retirement is going from “success to significance” and you'll find out why one person ended up paying $2,000 for a McMuffin!
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
What in the world does the disappearance of the Choco Taco have to do with your future? A lot. Plus, how dreaming about winning the lottery is a lot like planning for retirement!
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
Tim discusses how a new bill on Capitol Hill might work in favor of your retirement and we’ll tell you what some retirees are doing to afford the roof they’re living under. Plus, we know that looking at your 401(k) balance can be painful right now.
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
We get a powerful lesson on what can happen when you don’t have a good estate plan and is it time to clean out your fridge? How about your retirement portfolio?
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
Hear the kind of personalized service you get from an independent financial advisor. What prompts someone to retire not once, but twice? Plus, you’ve heard of golf caddies, but what about “retirement caddies?”
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
How does the new LIV golf tournament relate to retirement? Plus, Tim has a few ideas on 401(k) statements, the 4% rule, and dealing with these volatile times.
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
A special patriotic episode of Clear Money Talk on this holiday weekend and do you have a backup person for retirement? Why you might want to make sure someone has your best interest's at heart.
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
Could underwear predict a recession? There's evidence it might! Plus, what type of retirement personality are you and how are we supposed to handle this stock market?
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
Couples are choosing to live on cruises in retirement and could the Mexican Pizza coming back to Taco Bell be a good financial sign?
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
Why did a famous singer cash in his chips at age 41? Should we be worried about future taxes? Plus, Tim explains what we should be prepared to answer when we meet with a financial advisor.
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
What's a responsible way to add to your retirement bucket list? Tim has a few ideas and how longevity is factoring into your planning.
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
What cities can your retirement money stretch a little further, and a celebrity explains why she has no plans to hang up her guitar, ever!
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
What are the different phases of retirement and how should you go about them? Tim breaks that down and offers up some guidance on your 401k.
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
How many unused gift cards do you have? And have you thought about out-of-the-box gifts for kids and grandkids? Tim has a few ideas on that plus a couple signs you're ready to retire.
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
How can you find your retirement income gap? And where shouldn't you get your financial advice?
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
We’ll hear from a comedy star who’s learned “not to keep up with the Joneses” and what you think you know about estate planning, just might be wrong.
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
A country music star explains the importance of having a team around you, and Tim proves a TikTok stat to be false! Plus, Tim breaks down how to find your retirement income gap.
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
Jim Carrey is calling it quits on his own terms, and someone has declared the "Great Resignation" to be unrealistic! Plus, who should be looking at roths and who should slow their roll?
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
On this week's episode, Tim breaks down how to cope with turbulence in the stock market and we try to simplify how you'll be taxed in retirement.
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
Have you ever thought of the ramifications of finding love later in life? Tim explains different things it could affect. Plus, what tax scams you should be looking out for.
To get more information on Clear Financial Partners, or to schedule a consultation call, 503-809-5020 or visit ClearFP.com
A couple youngsters got very upset when they discovered taxes while playing monopoly, and Tim breaks down who "HENRY"s are and has a special offer for them.
For more information on Clear Financial Partners or to schedule time with Tim Clairmont, call 503-809-5020 or visit
www.clearfp.com
Tim breaks down the pros & cons of high interest rates. Plus, if you have a 401k, you have more options than you might think to manage those funds!
Tim breaks down what we can do to combat Inflation during retirement and do you know what questions you should be asking your financial advisor, but most haven't.
How does everything going on in the world affect your retirement? Tim has some solutions to hedge against inflation. Plus, there's a major difference in how your retirement could look when you work with a financial advisor vs. managing funds yourself.
We've seen scams targeting the elderly go up recently, and Tim has a few thoughts on how to combat those. Sometimes we tend to use financial planners as psychologists, and what can we do about inflation?
What could running into $200,000 do to change your retirement? Apparently, people forget about 401k accounts all the time. Plus, we get to hear what song Tim performed in elementary school!
After a controversial coin toss, we compare how random the outcome can be in the stock market and whether you should check your balance daily. Plus, is a hack for cheaper food really worth it if you get extra labor included?
What phrase should be eliminated from your retirement vocabulary? Plus, tax issues you need to be aware of, and we find out what Tim and Jay Leno have in common!
Find out what changes will affect you in 2022! Plus, what critical conversations should you have with your significant other before you both retire? We cover that and much more on this week's episode!
If you're thinking about relocating in retirement we have a few things to think about first. Plus, what will happen to your money in the future? If you don't spend it, someone else will and Tim has advice on how to make sure it goes to your family!
We're talking how much you should be saving per year and you won't believe the amount of people who joined 'The Great Resignation' before the holidays!
Tim Clairmont is offering up goals you might want to go after in 2022 as we 'Get Clear in the New Year'!
Enjoy the best of Clear Money Talk as we go over the red flags to watch for when choosing a financial advisor. Plus, what you should do with old 401k accounts and how to handle uncertainty.
Happy Holidays! We hope you enjoy the Best of Clear Money Talk! On this episode, we revisit the questions you need to ask yourself before you retire and why it's so important to stay active in your golden years!
What will a TV anchor do in retirement after a 30-year career, but is still too young to call it quits? Plus, do baby boomers have enough saved to last for 20-30 years? Potentially not!
Year end tax planning, being fearful of spending down your nest egg, and signs that it might be time for you to retire.
Tim breaks down just how custom your retirement plan needs to be for your goals! Plus, we debate whether your retirement plan should be 'hip and sexy' or is it better to stick to the basics?
Thanksgiving should be your reminder that it's time to get your end-of-year financial checklist taken care of! Plus, what should you be looking for in a financial advisor? Tim has a great list of things to look for when picking one.
Jalen Hurts of the Philadelphia Eagles has money saving tips we can all appreciate! Plus, we talk about the scary amount of retirees who deplete the lump sum of their pension in just a few years.
The McRib is back and someone thinks it could predict our financial future! Plus, you might have reason to charge a cover for Thanksgiving with inflation going up, up, up!
Where has this year gone? What you need to do before 2022! Plus, we talk about a hilarious tactic one guy used to save thousands by visiting Six Flags every day!
Let's go over your 2021 financial 'to-do' list and an investment banker confesses his retirement mistakes you can learn from!
Walker Hayes brought the Oreo Shake out of retirement, Should you be worried about 'losses on paper', and some companies are now offering annuities to their benefits plan!
We have a list of the biggest financial fears of early retirees, and Big Brother might want to take a look at your account if you have over $600! Plus, Tim has a great financial lesson built off of a 'Growing Pains' episode!
Interest rates could be going up at the same time taxes go up: What will that do to your future? Plus, are you considering downsizing your home and are you truly financially ready to retire? Tim goes over a few points to ask yourself and a few ideas to get you there!
What's going on with the market? Red flags to watch out for when handling money matters, and Tim breaks down ideas on how to avoid taking a pay cut in retirement!
Bill Murray gives us his favorite financial phrase, Tim explains how your Social Security benefits could be taxed, and the running theme for the day is: Always Be Saving!
PSLs are back and Tim is a huge fan, but could skipping your java be a way to save for retirement? Are we headed for another big bubble-burst in the market, just like the year 2000? Plus, Tim has ways to give your financial plan a test run before you retire!
Tim Clairmont breaks down the one thing Uncle Sam says millions of Americans don’t understand about their retirement accounts. Solve this riddle: If you call a dog’s tail a leg how many legs do they have? Plus, Tim explains what a winning retirement strategy has in common with a winning football team.
Retirement account balances are hitting record highs, but what happens if we have another 2008? Plus Boomers, Gen X, and Millennials have VERY different opinions on how much they should save for retirement (and they might all be wrong!)
One city is moving the goalposts for their citizens by 5 years and Tim Clairmont breaks down how that dramatically change their retirement years. However, Congress is looking at a few changes that Tim thinks would be favorable!
As baby boomers face retirement, we might be losing 60% of what? Find out with Tim Clairmont and how we can handle that transition.
Most people sign up for their employer’s 401k, but how should you manage your expectations with that account? Tim Clairmont explains different ways you can keep a fresh perspective on your 401k and breaks down RMDs strategies. Plus, you’ll hear some hysterical financial advice from a comedian you should never follow!
Are you hitting your retirement benchmarks? Tim Clairmont addresses where you start setting guideposts and find the retirement 'sweet spot'.
How does Football Hall of Famer Johnathan Ogden spend his minutes today? Tim Clairmont had a chance to sit down and talk about the importance of giving back to the community, being a dad, and their favorite donuts in Portland!
Tim Clairmont recently had a chance to sit down with former New York Knick, John Starks to chat about why he calls Patrick Ewing was his saving grace, playing golf, and what he’s up to today!
Listen in on Tim Clairmont’s conversation NBA Hall of Famer, Doctor J about how basketball has changed over time, the fundamentals of life, and what kind of example he wants to set as a grandparent!