Just The Answer: Are You Accidentally Sabotaging Your Own Wealth?
Release Date: 06/09/2025
Are Target Date Funds Helping, or Hurting, Your Retirement Plan?
Clear Money Talk
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...
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Just The Answer: Are Target Date Funds Helping, or Hurting, Your Retirement Plan?
Clear Money Talk
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...
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Just The Answer: Are You Taking Advantage of the Financial Freedom That Comes With an Empty Nest?
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 conversation also touches on the realities of downsizing, the importance of legacy planning, and how to embrace a refreshed financial identity moving forward.
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Are You Taking Advantage of the Financial Freedom That Comes With an Empty Nest?
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 conversation also touches on the realities of downsizing, the importance of legacy planning, and how to embrace a refreshed financial identity moving forward.
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Just The Answer: Is Old Advice Holding Back Your Financial Future?
Clear Money Talk
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.
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Is Old Advice Holding Back Your Financial Future?
Clear Money Talk
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.
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Just The Answer: Are You Planning for Retirement or Hoping It Just Works Out?
Clear Money Talk
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.
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Are You Planning for Retirement or Hoping It Just Works Out?
Clear Money Talk
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.
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Are You Leaving Money on the Table with Your Social Security Strategy?
Clear Money Talk
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...
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Just The Answer: Are You Leaving Money on the Table with Your Social Security Strategy?
Clear Money Talk
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...
info_outlineSmall 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.