¡ÚLTIMAS HORAS! Disfruta 6 meses de Premium al 25% de dto ¡LO QUIERO!
By Tim Clairmont Clear Money Talk
Clear Money Talk
Podcast

Clear Money Talk

By Tim Clairmont
178
0

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.

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.

178
0

Just The Answer: Is Bitcoin Really Becoming Mainstream?

Episode in Clear Money Talk
Bitcoin has become more visible, more accessible, and more commonly discussed in financial conversations. But does greater acceptance mean it is becoming a mainstream investment, and more importantly, does that make it appropriate for your financial plan? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss Bitcoin's growing presence in the financial world, the role of cryptocurrency ETFs and easier access, and why increased adoption does not eliminate Bitcoin's significant volatility and speculative nature. They also explore how investors can think about Bitcoin within the context of diversification, risk tolerance, long-term financial goals, and the fear of missing out. Is Bitcoin here to stay? Is it truly mainstream yet? And how should you evaluate whether cryptocurrency has any place in your financial picture? Tune in to hear the full conversation. Subscribe to Clear Money Talk on YouTube, Apple Podcasts, or wherever you listen.
Business and industry 1 week
0
0
0
05:26

Is Bitcoin Really Becoming Mainstream?

Episode in Clear Money Talk
Bitcoin has become more visible, more accessible, and more commonly discussed in financial conversations. But does greater acceptance mean it is becoming a mainstream investment, and more importantly, does that make it appropriate for your financial plan? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss Bitcoin's growing presence in the financial world, the role of cryptocurrency ETFs and easier access, and why increased adoption does not eliminate Bitcoin's significant volatility and speculative nature. They also explore how investors can think about Bitcoin within the context of diversification, risk tolerance, long-term financial goals, and the fear of missing out. Is Bitcoin here to stay? Is it truly mainstream yet? And how should you evaluate whether cryptocurrency has any place in your financial picture? Tune in to hear the full conversation. Subscribe to Clear Money Talk on YouTube, Apple Podcasts, or wherever you listen.
Business and industry 1 week
0
0
0
26:49

What Does AI Mean For Your Money?

Episode in Clear Money Talk
What does artificial intelligence mean for your financial life? AI is changing how people work, how businesses operate, and how information is accessed. But its impact on your money may extend well beyond the latest technology headlines. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, explore how AI could influence your career, earning power, investments, and long-term financial planning. They discuss why adaptability and financial flexibility may become increasingly important, how businesses could benefit from greater efficiency, and why enthusiasm around AI should not be confused with an investment strategy. They also look at the growing role of AI in financial decision-making, including where these tools may be helpful and where professional judgment, context, and a personalized financial plan can still matter. Tune in for a practical conversation about navigating a rapidly changing technology without ignoring the opportunities, chasing the hype, or losing sight of your broader financial goals.
Business and industry 3 weeks
0
0
0
33:01

Just The Answer: What Does AI Mean For Your Money?

Episode in Clear Money Talk
What does artificial intelligence mean for your financial life? AI is changing how people work, how businesses operate, and how information is accessed. But its impact on your money may extend well beyond the latest technology headlines. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, explore how AI could influence your career, earning power, investments, and long-term financial planning. They discuss why adaptability and financial flexibility may become increasingly important, how businesses could benefit from greater efficiency, and why enthusiasm around AI should not be confused with an investment strategy. They also look at the growing role of AI in financial decision-making, including where these tools may be helpful and where professional judgment, context, and a personalized financial plan can still matter. Tune in for a practical conversation about navigating a rapidly changing technology without ignoring the opportunities, chasing the hype, or losing sight of your broader financial goals.
Business and industry 3 weeks
0
0
0
05:53

Just The Answer: HELOC or Cash Out Refinance?

Episode in Clear Money Talk
For homeowners considering borrowing against the equity in their home, deciding how to access it is not always straightforward. Should you open a home equity line of credit, or would a cash-out refinance make more sense in the 2026 interest-rate environment? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, compare HELOCs and cash-out refinances. They discuss how your existing mortgage rate, borrowing needs, repayment timeline, closing costs, and plans for the money can all influence the decision. They also explore when flexibility may matter more than a fixed repayment structure, why a lower monthly payment does not always lead to a lower long-term cost, and how borrowing against your home may affect your broader financial position. Tune in to hear the full conversation, available now on YouTube, Apple Podcasts, or wherever you listen.
Business and industry 1 month
0
0
0
05:52

HELOC or Cash Out Refinance?

Episode in Clear Money Talk
For homeowners considering borrowing against the equity in their home, deciding how to access it is not always straightforward. Should you open a home equity line of credit, or would a cash-out refinance make more sense in the 2026 interest-rate environment? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, compare HELOCs and cash-out refinances. They discuss how your existing mortgage rate, borrowing needs, repayment timeline, closing costs, and plans for the money can all influence the decision. They also explore when flexibility may matter more than a fixed repayment structure, why a lower monthly payment does not always lead to a lower long-term cost, and how borrowing against your home may affect your broader financial position. Tune in to hear the full conversation, available now on YouTube, Apple Podcasts, or wherever you listen.
Business and industry 1 month
0
0
0
28:51

When Does DIY Investing Stop Being Enough?

Episode in Clear Money Talk
DIY investing can work well when your financial life is relatively simple. But as taxes, retirement planning, business ownership, concentrated stock, estate planning, and multiple financial goals begin to overlap, the challenge becomes less about choosing investments and more about coordinating decisions. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss the signs that your financial life may have outgrown a do-it-yourself approach. They also explore what a financial advisor can add beyond investment selection, including tax awareness, risk planning, retirement income strategy, behavioral guidance, and a second set of eyes on important decisions. Tune in to this week's episode for the full conversation. Available now on YouTube, Apple Podcasts, or wherever you listen.
Business and industry 1 month
0
0
0
31:07

Just The Answer: When Does DIY Investing Stop Being Enough?

Episode in Clear Money Talk
DIY investing can work well when your financial life is relatively simple. But as taxes, retirement planning, business ownership, concentrated stock, estate planning, and multiple financial goals begin to overlap, the challenge becomes less about choosing investments and more about coordinating decisions. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss the signs that your financial life may have outgrown a do-it-yourself approach. They also explore what a financial advisor can add beyond investment selection, including tax awareness, risk planning, retirement income strategy, behavioral guidance, and a second set of eyes on important decisions. Tune in to this week's episode for the full conversation. Available now on YouTube, Apple Podcasts, or wherever you listen.
Business and industry 1 month
0
0
0
06:13

Just The Answer: Is The American Dream Still Financially Attainable?

Episode in Clear Money Talk
The American Dream used to feel like a clear roadmap. Today, it can feel more like a moving target. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss whether the American Dream is still financially attainable and how the definition of success has changed over time. From housing and education costs to career choices, debt, lifestyle expectations, and retirement, they explore why traditional milestones may feel harder to reach today and why financial success may look different for each person. Watch the full episode for a thoughtful conversation on redefining the American Dream in today's financial reality.
Business and industry 2 months
0
0
0
06:46

Is The American Dream Still Financially Attainable?

Episode in Clear Money Talk
The American Dream used to feel like a clear roadmap. Today, it can feel more like a moving target. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss whether the American Dream is still financially attainable and how the definition of success has changed over time. From housing and education costs to career choices, debt, lifestyle expectations, and retirement, they explore why traditional milestones may feel harder to reach today and why financial success may look different for each person. Watch the full episode for a thoughtful conversation on redefining the American Dream in today's financial reality.
Business and industry 2 months
0
0
0
33:29

Just The Answer: What Should Be on Your Mid-year Financial Checklist?

Episode in Clear Money Talk
Six months can change a lot. Has your financial plan kept up? In this episode of Clear Money Talk, we share a practical mid-year checklist to help you review what may need attention before year-end. We cover key areas to revisit, including cash flow, spending, savings goals, tax planning, insurance coverage, estate planning basics, and overall financial priorities. You can also download the free Mid-Year Financial Checklist on our website under the Insights tab and use it to follow along with the episode. Subscribe for more straightforward conversations about the money questions people are actually asking.
Business and industry 2 months
0
0
0
06:59

What Should Be on Your Mid-year Financial Checklist?

Episode in Clear Money Talk
Six months can change a lot. Has your financial plan kept up? In this episode of Clear Money Talk, we share a practical mid-year checklist to help you review what may need attention before year-end. We cover key areas to revisit, including cash flow, spending, savings goals, tax planning, insurance coverage, estate planning basics, and overall financial priorities. You can also download the free Mid-Year Financial Checklist on our website under the Insights tab and use it to follow along with the episode. Subscribe for more straightforward conversations about the money questions people are actually asking.
Business and industry 2 months
0
0
0
33:23

What Financial Moves Should You Make Before 40?

Episode in Clear Money Talk
Turning 40 is not a financial deadline, but it can be a meaningful checkpoint. In this episode of Clear Money Talk, Tim Clairmont and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss several financial moves worth considering before age 40, including building cash reserves, managing high-interest debt, saving with more intention, protecting income, reviewing workplace benefits, and making sure basic estate planning documents are in place. They also talk about how early financial decisions can affect flexibility later in life. From retirement savings to insurance coverage and goal-setting, the conversation focuses on practical ways to bring more structure and clarity to your financial plan. Whether you are approaching 40, already past it, or thinking through these decisions for your family, this episode offers a helpful reminder that small choices made today can play an important role over time. Download the companion checklist for this episode to review the financial moves worth considering before age 40: https://clearfp.com/financial-moves-to-consider-before-40-checklist/
Business and industry 3 months
0
0
0
32:14

Just The Answer: What Financial Moves Should You Make Before 40?

Episode in Clear Money Talk
Turning 40 is not a financial deadline, but it can be a meaningful checkpoint. In this episode of Clear Money Talk, Tim Clairmont and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss several financial moves worth considering before age 40, including building cash reserves, managing high-interest debt, saving with more intention, protecting income, reviewing workplace benefits, and making sure basic estate planning documents are in place. They also talk about how early financial decisions can affect flexibility later in life. From retirement savings to insurance coverage and goal-setting, the conversation focuses on practical ways to bring more structure and clarity to your financial plan. Whether you are approaching 40, already past it, or thinking through these decisions for your family, this episode offers a helpful reminder that small choices made today can play an important role over time. Download the companion checklist for this episode to review the financial moves worth considering before age 40: https://clearfp.com/financial-moves-to-consider-before-40-checklist/
Business and industry 3 months
0
0
0
03:16

Should You Sell Your RSUs Immediately?

Episode in Clear Money Talk
RSUs can feel like a great opportunity, but they can also create a tough question: Should you sell when they vest, or hold the stock and see what happens? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the key considerations behind restricted stock units, including taxes, concentration risk, emotional attachment, and how company stock may fit into a broader financial picture. They also explore one simple question that can help clarify the decision: If this showed up as cash instead of stock, would you use that money to buy the same company's shares? Tune in for a clear, practical conversation about RSUs and why the right decision depends on more than the stock price.
Business and industry 3 months
0
0
0
32:03

Just The Answer: Should You Sell Your RSUs Immediately?

Episode in Clear Money Talk
RSUs can feel like a great opportunity, but they can also create a tough question: Should you sell when they vest, or hold the stock and see what happens? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the key considerations behind restricted stock units, including taxes, concentration risk, emotional attachment, and how company stock may fit into a broader financial picture. They also explore one simple question that can help clarify the decision: If this showed up as cash instead of stock, would you use that money to buy the same company's shares? Tune in for a clear, practical conversation about RSUs and why the right decision depends on more than the stock price.
Business and industry 3 months
0
0
0
04:24

Just The Answer: Is Private Equity Worth The Hype?

Episode in Clear Money Talk
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore a question more investors are starting to ask: Is private equity worth the hype? Private equity can sound interesting because it may offer access to companies that are not traded on the stock market. But it also comes with tradeoffs that are easy to overlook, including limited access to your money, less transparency, and different fee structures. They discuss: • What private equity actually is • Why it has been getting more attention • How it differs from buying publicly traded stocks • The potential benefits and tradeoffs • Why understanding the investment matters before deciding whether it belongs in your plan Private equity may be worth understanding, but that does not mean it's right for everyone. This episode helps break down the opportunity, tradeoffs, and the key questions investors should consider before moving beyond traditional public markets. Tune in to the full episode on YouTube, Spotify, Apple Podcasts, or wherever you listen.
Business and industry 4 months
0
0
0
03:52

Is Private Equity Worth The Hype?

Episode in Clear Money Talk
In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore a question more investors are starting to ask: Is private equity worth the hype? Private equity can sound interesting because it may offer access to companies that are not traded on the stock market. But it also comes with tradeoffs that are easy to overlook, including limited access to your money, less transparency, and different fee structures. They discuss: • What private equity actually is • Why it has been getting more attention • How it differs from buying publicly traded stocks • The potential benefits and tradeoffs • Why understanding the investment matters before deciding whether it belongs in your plan Private equity may be worth understanding, but that does not mean it's right for everyone. This episode helps break down the opportunity, tradeoffs, and the key questions investors should consider before moving beyond traditional public markets. Tune in to the full episode on YouTube, Spotify, Apple Podcasts, or wherever you listen.
Business and industry 4 months
0
0
0
27:28

What's The Difference Between Feeling Wealthy And Actually Being Wealthy?

Episode in Clear Money Talk
On paper, wealth can look like a number. Net worth, income, assets, investments, and lifestyle all tend to shape how people measure financial success. But in real life, feeling wealthy often has less to do with the size of your balance sheet and more to do with clarity, confidence, health, margin, and whether your money supports the life you actually want to live. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore why some people may look wealthy but still feel financially uneasy, while others may have fewer assets on paper but feel secure in their financial life. They discuss how lifestyle creep, social media comparisons, unclear goals, and lack of structure can make it difficult to feel wealthy, even when the numbers seem strong. They also unpack why predictable income, inflation planning, thoughtful spending habits, and a clear purpose for your money may contribute to a clearer and more confident financial perspective. Whether you are building wealth, preparing for retirement, or simply trying to better understand your relationship with money, this conversation offers a thoughtful look at what it really means to feel wealthy.
Business and industry 4 months
0
0
0
32:18

Just The Answer: What's The Difference Between Feeling Wealthy And Actually Being Wealthy?

Episode in Clear Money Talk
On paper, wealth can look like a number. Net worth, income, assets, investments, and lifestyle all tend to shape how people measure financial success. But in real life, feeling wealthy often has less to do with the size of your balance sheet and more to do with clarity, confidence, health, margin, and whether your money supports the life you actually want to live. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore why some people may look wealthy but still feel financially uneasy, while others may have fewer assets on paper but feel secure in their financial life. They discuss how lifestyle creep, social media comparisons, unclear goals, and lack of structure can make it difficult to feel wealthy, even when the numbers seem strong. They also unpack why predictable income, inflation planning, thoughtful spending habits, and a clear purpose for your money may contribute to a clearer and more confident financial perspective. Whether you are building wealth, preparing for retirement, or simply trying to better understand your relationship with money, this conversation offers a thoughtful look at what it really means to feel wealthy.
Business and industry 4 months
0
0
0
06:57
You may also like View more
Value Investing FM Podcast en el que Paco Lodeiro y Adrián Godás tenemos como objetivo ayudarte a rentabilizar ese dinero que tanto cuesta ganar y ahorrar a través de la inversión en bolsa mediante el método más seguro, sensato y rentable, el value investing. Updated
Rompiendo el Mercado En "Rompiendo el mercado", nuestro objetivo es desentrañar el fascinante mundo de la inversión en todas sus formas de manera accesible, práctica y transparente. Analizaremos la actualidad de los mercados, identificaremos áreas clave de interés y desvelaremos las herramientas que los expertos utilizan para prosperar en los mercados financieros. Un podcast presentado por Laura Guzmán, periodista especializada en economía y mercados financieros. Updated
Objetivo : Libertad financiera Finanzas y educación financiera al alcance de todos y sin rodeos. El podcast para quienes buscan mejorar su relación con el dinero, aprender a gestionar sus finanzas personales e invertir de manera inteligente. Exploraremos juntos estrategias prácticas de ahorro, inversión y generación de ingresos, además de conocer temáticas concretas de la mano de expertos y emprendedores. Ya sea que estés comenzando tu camino hacia la libertad financiera o busques optimizar tus finanzas, este es el lugar perfecto para aprender y crecer. ¡Suscríbete y comienza a transformar tus finanzas! Updated
Go to Business and industry