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,...
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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,...
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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...
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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...
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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...
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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...
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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...
info_outlineRetirement 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 partners need a seat at the table (and a trusted backup driver 🚗)
They unpack the emotional and practical sides of couples planning and share how a little clarity today can save a lot of stress tomorrow.
🎧 Listen now and make sure your plan truly works for both of you.