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...
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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...
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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...
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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...
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Don’t Get Caught Off Guard by the New Tax Law
Clear Money Talk
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 child tax credits Reinstated R&D deductions for innovation Cuts to certain federal programs Growing national deficit and long-term planning implications Strategic estate planning...
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Just The Answer: Don’t Get Caught Off Guard by the New Tax Law
Clear Money Talk
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 child tax credits Reinstated R&D deductions for innovation Cuts to certain federal programs Growing national deficit and long-term planning implications Strategic estate planning...
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Just The Answer: Is Your Plan Built for Two or Just You?
Clear Money Talk
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 reality: income may drop, taxes can rise, and expenses often don’t fall as much as you think 🔹 Blended families, “fairness,” and protecting your legacy 🔹 Why both...
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Is Your Plan Built for Two or Just You?
Clear Money Talk
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 reality: income may drop, taxes can rise, and expenses often don’t fall as much as you think 🔹 Blended families, “fairness,” and protecting your legacy 🔹 Why both...
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Just The Answer: Is Crypto Right for You? Exploring Bitcoin & Blockchain
Clear Money Talk
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 difference between “FOMO investing” and intentional strategy They also share personal stories, historical context, and practical ways to think about where (if at all) crypto might fit into...
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Is Crypto Right for You? Exploring Bitcoin & Blockchain
Clear Money Talk
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 difference between “FOMO investing” and intentional strategy They also share personal stories, historical context, and practical ways to think about where (if at all) crypto might fit into...
info_outlineThe 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 retirees, high-income earners, and families building their estates.
They also discuss educational strategies people often consider, such as:
✔️ Using life insurance in estate planning
✔️ Reviewing gifting approaches
✔️ Considering Roth conversions while today’s tax rates are still in place
🎧 Tune in for clear, practical insights to help you stay informed.