Just The Answer: Are You Paying the Price for Procrastinating on Your Estate Plan?
Release Date: 06/23/2025
Bonus Episode: Just The Answer - Are You Relying Too Heavily on Your Employer for Financial Security?
Clear Money Talk
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,...
info_outline
Bonus Episode: Are You Relying Too Heavily on Your Employer for Financial Security?
Clear Money Talk
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,...
info_outline
Just The Answer: Is Rising Debt Putting Your Financial Future at Risk?
Clear Money Talk
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...
info_outline
Is Rising Debt Putting Your Financial Future at Risk?
Clear Money Talk
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...
info_outline
Can You Actually Trust Online Financial Advice?
Clear Money Talk
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...
info_outline
Just The Answer: Can You Actually Trust Online Financial Advice?
Clear Money Talk
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...
info_outline
Just The Answer: What Should You Do When The Market Hits Record Highs?
Clear Money Talk
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...
info_outline
What Should You Do When The Market Hits Record Highs?
Clear Money Talk
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...
info_outline
Just The Answer: Is Your Cash Really Working for You?
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...
info_outline
Is Your Cash Really Working for You?
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...
info_outlineMany 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.