Clear Money Talk

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...

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...

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...

  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 pressur...

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...

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, pensi...

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, pensi...

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 car...

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 car...

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"...

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"...

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 i...

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 i...

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...

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...

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 chil...

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 chil...

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 r...

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 r...

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 differe...

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 differe...

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...

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 ret...

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 co...

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 co...