Clear Money Talk

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 cho...

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 cho...

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 M...

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 M...

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 b...

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 b...

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...

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...

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...

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...

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 Ta...

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 Ta...

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-...

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-...

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...

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...

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 p...

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 p...

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 m...

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 m...

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...

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...

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 desig...

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 designe...

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, espec...