Clear Money Talk

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 conversatio...

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 conversatio...

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 b...

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 b...

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...

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...

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 Secu...

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 Secu...

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 practica...

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 practica...

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 considerati...

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 considerati...

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 overloo...

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 overloo...

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...

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...

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 re...

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 re...

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.