Advertise on podcast: Clear Money Talk
Rating
5from
This podcast has
100 episodes
Language
EnglishPublisher
Tim ClairmontExplicit
No
Date created
2021/08/04
Latest episode
2026/02/02
Average duration
20 min.
Release period
6 days
Description
Tim Clairmont MSFS™, LACP™, CEO & Founder of Clear Financial Partners and co-host Tyler Andrews CFP®, join you on Clear Money Talk to break down financial strategies and offer up creative solutions for your future. Listen as they talk about their passion for helping people reach financial independence through Education, Choice, Transparency, and Empathy. Clear Financial Partners is located at 15573 Bangy Rd., Ste. 100, Lake Oswego, Oregon 97035. For more information, please call us at 503-579-1000 or visit our website at clearFP.com Tim Clairmont & Tyler Andrews are Investment Advisor Representatives offering securities and advisory services through Cetera Advisor Networks LLC, a Broker/Dealer & Registered Investment Adviser, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. The views depicted in this material are for information purposes only and are not necessarily those of Cetera Advisor Networks LLC. They should not be considered specific advice or recommendations for any individual. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. A diversified portfolio does not assure a profit or protect against loss in a declining market. Investors cannot invest directly in indexes. The performance of any index is not indicative of the performance of any investment and does not take into account the effects of inflation and the fees and expenses associated with investing.
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Check latest episodes from Clear Money Talk podcast
Can You Talk About Money With Family Without Starting A Feud?
2026/02/02
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor explore why money conversations inside families are often avoided and why avoiding them can create bigger problems down the road.
They break down practical, real-world ways to approach sensitive financial conversations with spouses, children, and future beneficiaries, especially when it comes to wealth transfer, estate planning, and shared values. Rather than focusing solely on numbers, Tim and Tyler explain how leading with intent, communication, and clarity can help preserve both relationships and wealth across generations.
This episode covers:
Why 70% of wealth transfers fail due to poor communication, not poor planning How to talk about money using shared values instead of dollar amounts When transparency helps, and when too much detail can create conflict The role of trusted third parties in family financial discussions Tools that can help families stay aligned, including letters of intent, family meetings, and recorded messages If you've ever delayed a financial conversation because it felt uncomfortable, this discussion offers thoughtful context on how to approach it with intention and care, before assumptions and misunderstandings take over.
Whether you're thinking about estate planning, educating the next generation, or simply improving financial communication at home, this episode provides perspective to help you start the conversation more clearly.
Just The Answer: Can You Talk About Money With Family Without Starting A Feud?
2026/02/02
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor explore why money conversations inside families are often avoided and why avoiding them can create bigger problems down the road.
They break down practical, real-world ways to approach sensitive financial conversations with spouses, children, and future beneficiaries, especially when it comes to wealth transfer, estate planning, and shared values. Rather than focusing solely on numbers, Tim and Tyler explain how leading with intent, communication, and clarity can help preserve both relationships and wealth across generations.
This episode covers:
Why 70% of wealth transfers fail due to poor communication, not poor planning How to talk about money using shared values instead of dollar amounts When transparency helps, and when too much detail can create conflict The role of trusted third parties in family financial discussions Tools that can help families stay aligned, including letters of intent, family meetings, and recorded messages If you've ever delayed a financial conversation because it felt uncomfortable, this discussion offers thoughtful context on how to approach it with intention and care, before assumptions and misunderstandings take over.
Whether you're thinking about estate planning, educating the next generation, or simply improving financial communication at home, this episode provides perspective to help you start the conversation more clearly.
Just The Answer: Will AI Change the Way You Invest?
2026/01/19
Artificial intelligence is rapidly changing how people research, plan, and make financial decisions. But can AI really help you invest smarter, or does it introduce new risks?
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor explore how AI is already influencing investing and financial planning, and where human judgment still matters most.
You will learn:
How artificial intelligence is changing investing and financial decision-making Where AI can be helpful for investors, including education, research, and organizing financial questions The risks of relying on AI for investment decisions, including bias, missing context, and overconfidence Why asking the right questions is critical when using AI tools How working with a financial advisor adds perspective AI cannot replicate Tim and Tyler also discuss generational differences in how people use technology, the concept of AI "hallucinations," and why AI works best as a supporting tool rather than a replacement for personalized financial planning.
If you are curious about how AI fits into investing, retirement planning, and long-term financial strategy, this episode provides a balanced and practical perspective on how to use AI wisely without letting it drive your decisions
Will AI Change the Way You Invest?
2026/01/19
Artificial intelligence is rapidly changing how people research, plan, and make financial decisions. But can AI really help you invest smarter, or does it introduce new risks?
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor explore how AI is already influencing investing and financial planning, and where human judgment still matters most.
You will learn:
How artificial intelligence is changing investing and financial decision-making Where AI can be helpful for investors, including education, research, and organizing financial questions The risks of relying on AI for investment decisions, including bias, missing context, and overconfidence Why asking the right questions is critical when using AI tools How working with a financial advisor adds perspective AI cannot replicate Tim and Tyler also discuss generational differences in how people use technology, the concept of AI "hallucinations," and why AI works best as a supporting tool rather than a replacement for personalized financial planning.
If you are curious about how AI fits into investing, retirement planning, and long-term financial strategy, this episode provides a balanced and practical perspective on how to use AI wisely without letting it drive your decisions
Just The Answer: What Should Be On Your New Year Financial Checklist
2026/01/05
The beginning of a new year creates an opportunity to get organized, revisit priorities, and make thoughtful financial decisions.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, walk through a practical, step by step New Year Financial Checklist designed to help you bring clarity to your financial life without pressure or perfectionism. From reviewing savings and retirement contributions to double checking beneficiaries, cash flow, insurance coverage, taxes, and investment alignment, this conversation focuses on actionable ideas you can implement right away.
To make it even easier, we have created a free, downloadable New Year Financial Planning Checklist that mirrors the discussion in this episode. It is designed to be simple, approachable, and easy to work through at your own pace. You can tackle everything in one sitting or spread it out over the coming weeks.
Download the checklist using the link in the episode description and use it as a guide to stay organized, intentional, and proactive throughout the year.
Your New Year Financial Planning Checklist - Clear Financial Partners
This episode is about progress, not perfection. Small steps, taken consistently, can create meaningful momentum. Clarity is often the best place to begin.
What Should Be On Your New Year Financial Checklist?
2026/01/05
The beginning of a new year creates an opportunity to get organized, revisit priorities, and make thoughtful financial decisions.
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, walk through a practical, step by step New Year Financial Checklist designed to help you bring clarity to your financial life without pressure or perfectionism. From reviewing savings and retirement contributions to double checking beneficiaries, cash flow, insurance coverage, taxes, and investment alignment, this conversation focuses on actionable ideas you can implement right away.
To make it even easier, we have created a free, downloadable New Year Financial Planning Checklist that mirrors the discussion in this episode. It is designed to be simple, approachable, and easy to work through at your own pace. You can tackle everything in one sitting or spread it out over the coming weeks.
Download the checklist using the link in the episode description and use it as a guide to stay organized, intentional, and proactive throughout the year.
Your New Year Financial Planning Checklist - Clear Financial Partners
This episode is about progress, not perfection. Small steps, taken consistently, can create meaningful momentum. Clarity is often the best place to begin.
Bonus Episode: Just The Answer - Are You Relying Too Heavily on Your Employer for Financial Security?
2025/12/29
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, early retirement, health events, or corporate decisions can expose gaps if those benefits are the foundation of your entire strategy.
This educational conversation walks through how financial resilience often requires diversification beyond your employer and a clearer understanding of what happens when employment ends, whether by choice or circumstance.
Topics discussed include:
Concentration risk tied to employer stock and equity compensation Why pensions and Social Security typically replace only a portion of income The limitations of relying solely on employer-sponsored retirement plans What happens to health, life, and disability insurance after leaving a job The role of emergency savings and liquidity planning Why having a financial "Plan B" can reduce uncertainty and stress
Bonus Episode: Are You Relying Too Heavily on Your Employer for Financial Security?
2025/12/29
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, early retirement, health events, or corporate decisions can expose gaps if those benefits are the foundation of your entire strategy.
This educational conversation walks through how financial resilience often requires diversification beyond your employer and a clearer understanding of what happens when employment ends, whether by choice or circumstance.
Topics discussed include:
Concentration risk tied to employer stock and equity compensation Why pensions and Social Security typically replace only a portion of income The limitations of relying solely on employer-sponsored retirement plans What happens to health, life, and disability insurance after leaving a job The role of emergency savings and liquidity planning Why having a financial "Plan B" can reduce uncertainty and stress
Just The Answer: Is Rising Debt Putting Your Financial Future at Risk?
2025/12/22
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 influence financial flexibility over time.
Topics covered include:
Why debt feels different in a higher-interest-rate environment Which groups may feel the impact of rising debt more directly and which may not General frameworks commonly used to prioritize debt repayment An overview of snowball vs. avalanche payoff approaches High-level considerations around refinancing and consolidation The importance of balancing debt management with long-term saving habits
Is Rising Debt Putting Your Financial Future at Risk?
2025/12/22
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 influence financial flexibility over time.
Topics covered include:
Why debt feels different in a higher-interest-rate environment Which groups may feel the impact of rising debt more directly and which may not General frameworks commonly used to prioritize debt repayment An overview of snowball vs. avalanche payoff approaches High-level considerations around refinancing and consolidation The importance of balancing debt management with long-term saving habits
Can You Actually Trust Online Financial Advice?
2025/12/08
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 answers) The rise of AI "hallucinations" and why quick summaries aren't enough The six principles of comprehensive financial planning, and why online clips rarely address them all Why understanding the why behind any recommendation matters far more than the headline Tim and Tyler also unpack how expertise, credentials, and compliance oversight help separate credible guidance from attention-grabbing shortcuts.
If you've ever wondered whether that video, article, or AI-generated tip is worth trusting, this episode gives you the clarity to evaluate advice with confidence.
Just The Answer: Can You Actually Trust Online Financial Advice?
2025/12/08
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 answers) The rise of AI "hallucinations" and why quick summaries aren't enough The six principles of comprehensive financial planning, and why online clips rarely address them all Why understanding the why behind any recommendation matters far more than the headline Tim and Tyler also unpack how expertise, credentials, and compliance oversight help separate credible guidance from attention-grabbing shortcuts.
If you've ever wondered whether that video, article, or AI-generated tip is worth trusting, this episode gives you the clarity to evaluate advice with confidence.
Just The Answer: What Should You Do When The Market Hits Record Highs?
2025/11/24
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 opportunity cost influence your long-term plan?
You'll hear discussions around:
How often the S&P 500 has historically reached new highs and why context matters
The potential cost of waiting on the sidelines during market growth
How missing even a few strong market days has historically impacted long-term returns
Why even professional money managers struggle to time the market
Approaches such as dollar cost averaging, diversification, and bucket planning that may help reduce risk over time
Why periods of market strength can be an appropriate moment to review your allocation and confirm it aligns with your long-term goals
Whether you're building toward retirement or working to preserve what you've accumulated, this conversation offers education designed to help you make informed decisions and stay focused on your financial plan rather than short-term market headlines.
Tune in for actionable insights and a grounded perspective on navigating market highs with discipline and confidence.
What Should You Do When The Market Hits Record Highs?
2025/11/23
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 opportunity cost influence your long-term plan?
You'll hear discussions around:
How often the S&P 500 has historically reached new highs and why context matters
The potential cost of waiting on the sidelines during market growth
How missing even a few strong market days has historically impacted long-term returns
Why even professional money managers struggle to time the market
Approaches such as dollar cost averaging, diversification, and bucket planning that may help reduce risk over time
Why periods of market strength can be an appropriate moment to review your allocation and confirm it aligns with your long-term goals
Whether you're building toward retirement or working to preserve what you've accumulated, this conversation offers education designed to help you make informed decisions and stay focused on your financial plan rather than short-term market headlines.
Tune in for actionable insights and a grounded perspective on navigating market highs with discipline and confidence.
Just The Answer: Is Your Cash Really Working for You?
2025/11/10
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
Whether you're saving for short-term goals or building long-term wealth, this episode will help you understand how to balance security, access, and growth potential - so your dollars are truly working for you.
Keywords: cash management, inflation, savings accounts, money market, CDs, emergency fund, liquidity, rate of return, personal finance, financial planning, Clear Money Talk
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