Clear Money Talk

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Tim Clairmont, CEO & Founder of Clear Financial Partners joins you on Clear Money Talk to break down retirement and offer up creative solutions for your future. Listen as Tim Clairmont talks about his passion for helping people reach financial independence through Education, Choice, Transparency, and Empathy. To get more information on Clear Financial Partners, or to schedule a consultation call, 503-579-1000 or visit ClearFP.com

Tim Clairmont


    • May 12, 2025 LATEST EPISODE
    • weekly NEW EPISODES
    • 25m AVG DURATION
    • 166 EPISODES


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    Latest episodes from Clear Money Talk

    Are You Financially Prepared for the Financial Implications of a Career Change?

    Play Episode Listen Later May 12, 2025 32:45


    If you've ever thought, “I don't love my current job,” or started imagining a long-term shift into something new, this episode is for you. Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, walk through practical financial questions you should ask yourself before jumping into a career transition.  

    Just The Answer: Are You Financially Prepared for the Financial Implications of a Career Change?

    Play Episode Listen Later May 12, 2025 7:50


    If you've ever thought, “I don't love my current job,” or started imagining a long-term shift into something new, this episode is for you. Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, walk through practical financial questions you should ask yourself before jumping into a career transition.

    Are You Financially Prepared for the Costs of Caring for Aging Parents?

    Play Episode Listen Later Apr 28, 2025 31:06


    Caring for aging parents is a reality many of us have faced, will face, or are facing, but it's not always something we talk about openly. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, take a thoughtful look at the emotional and financial challenges that come with supporting aging loved ones. They discuss how to approach this important aspect of life with compassion and awareness, and offer insight into the broader picture of planning for the future.

    Just The Answer: Are You Financially Prepared for the Costs of Caring for Aging Parents?

    Play Episode Listen Later Apr 28, 2025 8:20


    Caring for aging parents is a reality many of us have faced, will face, or are facing, but it's not always something we talk about openly. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, take a thoughtful look at the emotional and financial challenges that come with supporting aging loved ones. They discuss how to approach this important aspect of life with compassion and awareness, and offer insight into the broader picture of planning for the future.

    Just The Answer: How Does a Backdoor Roth IRA Work, and Is It Worth It?

    Play Episode Listen Later Apr 14, 2025 6:07


    The Backdoor Roth IRA can seem like a strategy for the financially savvy, but is it really all it's cracked up to be? Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, dive deep into how this unique retirement strategy works, who should consider it, and whether it's worth the effort for your financial goals.    

    How Does a Backdoor Roth IRA Work, and Is It Worth It?

    Play Episode Listen Later Apr 14, 2025 22:41


    The Backdoor Roth IRA can seem like a strategy for the financially savvy, but is it really all it's cracked up to be? Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, dive deep into how this unique retirement strategy works, who should consider it, and whether it's worth the effort for your financial goals.

    Just The Answer: The Great Retirement Debate – Should You Move or Stay Put?

    Play Episode Listen Later Mar 31, 2025 4:39


    The decision of a lifetime: Should you stay in your current home or move when you retire? Tim Clairmont MSFS™, LACP™, Wealth Advisor and Tyler Andrews CFP®, Wealth Advisor, are breaking it down in our latest episode with some surprising insights! From taxes to cost of living, and even the wild idea of living on a cruise ship – you won't believe what they have to say!

    The Great Retirement Debate – Should You Move or Stay Put?

    Play Episode Listen Later Mar 31, 2025 26:50


    The decision of a lifetime: Should you stay in your current home or move when you retire? Tim Clairmont MSFS™, LACP™, Wealth Advisor and Tyler Andrews CFP®, Wealth Advisor, are breaking it down in our latest episode with some surprising insights! From taxes to cost of living, and even the wild idea of living on a cruise ship – you won't believe what they have to say!

    What Strategies Can Help You Make the Most of Your 401k?

    Play Episode Listen Later Mar 17, 2025 36:02


    How do we maximize our 401k? In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, explore various strategies that may help you consider different aspects of 401k planning. They discuss factors that could influence how individuals approach their retirement savings and share general thoughts on what might impact long-term financial planning.

    Just The Answer: What Strategies Can Help You Make the Most of Your 401k?

    Play Episode Listen Later Mar 17, 2025 7:54


    How do we maximize our 401k? In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, explore various strategies that may help you consider different aspects of 401k planning. They discuss factors that could influence how individuals approach their retirement savings and share general thoughts on what might impact long-term financial planning.

    Just The Answer: Independent vs. Corporate – Who Should You Trust with Your Financial Future?

    Play Episode Listen Later Mar 3, 2025 6:43


    The world of financial advice can be overwhelming—so who do you trust? Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, discuss the differences between independent and corporate financial management and what might influence your choice. 

    Independent vs. Corporate – Who Should You Trust with Your Financial Future?

    Play Episode Listen Later Mar 3, 2025 31:35


    The world of financial advice can be overwhelming—so who do you trust? Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, discuss the differences between independent and corporate financial management and what might influence your choice. 

    What Can Personal Growth Teach Us About Financial Growth?

    Play Episode Listen Later Feb 17, 2025 33:37


    How can the principles of personal growth impact your financial journey? Join Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, as they explore how the lessons from personal development can have a powerful impact on our financial decision-making and long-term growth.

    Just The Answer: What Can Personal Growth Teach Us About Financial Growth?

    Play Episode Listen Later Feb 17, 2025 5:35


    How can the principles of personal growth impact your financial journey? Join Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, as they explore how the lessons from personal development can have a powerful impact on our financial decision-making and long-term growth. 

    Just The Answer: What Are the Biggest Money Myths Holding You Back?

    Play Episode Listen Later Feb 3, 2025 2:33


    Are money myths unknowingly influencing your financial choices? In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down some of the most common ideas about money. They share their perspectives on these beliefs, reflect on their personal experiences with them, and discuss how these myths might shape the way we think about financial decisions. 

    What Are the Biggest Money Myths Holding You Back?

    Play Episode Listen Later Feb 3, 2025 33:23


    Are money myths unknowingly influencing your financial choices? In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down some of the most common ideas about money. They share their perspectives on these beliefs, reflect on their personal experiences with them, and discuss how these myths might shape the way we think about financial decisions. 

    Just The Answer: Are Feelings Getting in the Way of Your Financial Success?

    Play Episode Listen Later Jan 20, 2025 4:25


    Do emotions ever play a role in your financial choices? In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, explore the connection between feelings and financial success. They discuss how emotional factors can sometimes impact decision-making and consider ways to navigate these influences in the pursuit of financial well-being.

    Are Feelings Getting in the Way of Your Financial Success?

    Play Episode Listen Later Jan 20, 2025 28:22


    Do emotions ever play a role in your financial choices? In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, explore the connection between feelings and financial success. They discuss how emotional factors can sometimes impact decision-making and consider ways to navigate these influences in the pursuit of financial well-being.

    Just The Answer: Is Social Security Still Relevant for High-Net-Worth Individuals?

    Play Episode Listen Later Jan 3, 2025 4:07


    Have you ever wondered about the role of Social Security? In this episode, Tim and Tyler examine the relevance of Social Security for high-net-worth individuals. They discuss its potential impact in a more complex financial landscape and consider factors that may influence its role for those with significant assets.  

    Is Social Security Still Relevant for High-Net-Worth Individuals?

    Play Episode Listen Later Jan 3, 2025 21:37


    Have you ever wondered about the role of Social Security? In this episode, Tim and Tyler examine the relevance of Social Security for high-net-worth individuals. They discuss its potential impact in a more complex financial landscape and consider factors that may influence its role for those with significant assets.  

    Just The Answer: What Financial Strategies Are Available for Freelancers and Gig Economy Workers?

    Play Episode Listen Later Dec 23, 2024 4:00


    Are you a freelancer or gig economy worker seeking effective ways to manage your finances? In this episode, Tim and Tyler explore strategies that individuals with flexible or irregular incomes often use to seek long-term stability in today's ever-changing job market. 

    What Financial Strategies Are Available for Freelancers and Gig Economy Workers?

    Play Episode Listen Later Dec 23, 2024 25:49


    Are you a freelancer or gig economy worker seeking effective ways to manage your finances? In this episode, Tim and Tyler explore strategies that individuals with flexible or irregular incomes often use to seek long-term stability in today's ever-changing job market. 

    Is Now the Right Time to Refinance Your Mortgage?

    Play Episode Listen Later Dec 9, 2024 20:28


    With fluctuating interest rates, many people find themselves considering mortgage refinancing. In this episode, Tim and Tyler explore common reasons for refinancing and share their perspectives on the potential benefits and drawbacks.

    Just The Answer: Is Now the Right Time to Refinance Your Mortgage?

    Play Episode Listen Later Dec 9, 2024 2:48


    With fluctuating interest rates, many people find themselves considering mortgage refinancing. In this episode, Tim and Tyler explore common reasons for refinancing and share their perspectives on the potential benefits and drawbacks.

    The FIRE Movement: Financial Independence, Retire Early – Is It Realistic?

    Play Episode Listen Later Nov 25, 2024 26:08


    The FIRE movement—Financial Independence, Retire Early—is a growing trend many aspire to but understand little about. Tim and Tyler explore practical ideas for achieving financial freedom, maintaining a fulfilling lifestyle, and whether this ambitious goal is truly attainable.

    Just The Answer: The FIRE Movement: Financial Independence, Retire Early – Is It Realistic?

    Play Episode Listen Later Nov 25, 2024 3:19


    The FIRE movement—Financial Independence, Retire Early—is a growing trend many aspire to but understand little about. Tim and Tyler explore practical ideas for achieving financial freedom, maintaining a fulfilling lifestyle, and whether this ambitious goal is truly attainable.

    Just The Answer: What's Up With IRMAA?

    Play Episode Listen Later Nov 11, 2024 3:15


    Curious about IRMAA and how it could influence your Medicare costs? In this episode, Tim and Tyler break down the Income-Related Monthly Adjustment Amount, explaining why it matters and offering insights to help manage its impact.

    What's Up With IRMAA?

    Play Episode Listen Later Nov 11, 2024 20:19


    Curious about IRMAA and how it could influence your Medicare costs? In this episode, Tim and Tyler break down the Income-Related Monthly Adjustment Amount, explaining why it matters and offering insights to help manage its impact.

    How Can I Unlock the Power of My Roth IRA?

    Play Episode Listen Later Oct 28, 2024 28:29


    Curious about how to navigate the complexities of your Roth IRA? Tim and Tyler are here to share insightful tips and strategies!

    Just The Answer: How Can I Unlock the Power of My Roth IRA?

    Play Episode Listen Later Oct 28, 2024 3:24


    Curious about how to navigate the complexities of your Roth IRA? Tim and Tyler are here to share insightful tips and strategies!

    How Can You Give the Gift of Investments and Build Wealth for Loved Ones?

    Play Episode Listen Later Oct 14, 2024 26:20


    Stockpiling wealth for yourself can be a great feeling, but sharing with loved ones can feel even better! Join Tim & Tyler as they discuss several concepts about gifting investments to help others build their wealth!

    Just The Answer: How Can You Give the Gift of Investments and Build Wealth for Loved Ones?

    Play Episode Listen Later Oct 14, 2024 2:42


    Stockpiling wealth for yourself can be a great feeling, but sharing with loved ones can feel even better! Join Tim & Tyler as they discuss several concepts about gifting investments to help others build their wealth!

    Just The Answer: Year-End Checklist: Are Your Finances in Order?

    Play Episode Listen Later Sep 30, 2024 4:47


    As time marches on, it may be worth reviewing your finances to make sure you don't miss a crucial year- end deadline. Tune in to hear Tim & Tyler discuss 5 financial check-list items to give consideration to before the end of the year!

    Year-End Checklist: Are Your Finances in Order?

    Play Episode Listen Later Sep 30, 2024 34:00


    As time marches on, it may be worth reviewing your finances to make sure you don't miss a crucial year- end deadline. Tune in to hear Tim & Tyler discuss 5 financial check-list items to give consideration to before the end of the year!

    Just The Answer: What is Disability Insurance and Do I Need It?

    Play Episode Listen Later Sep 16, 2024 3:10


    In this episode, Tim & Tyler break down the essentials of disability insurance—what it covers, how it works, and why it might be worth considering. Tune in to learn how it can protect your income in case of unexpected life events.

    What is Disability Insurance and Do I Need It?

    Play Episode Listen Later Sep 16, 2024 22:33


    In this episode, Tim & Tyler break down the essentials of disability insurance—what it covers, how it works, and why it might be worth considering. Tune in to learn how it can protect your income in case of unexpected life events.

    Just The Answer: What Are the Long-Term Effects of Inflation on Retirement Savings?

    Play Episode Listen Later Aug 30, 2024 5:38


    Inflation - It's a term you've likely heard often these days. Join Tim & Tyler as they break down how inflation can affect your retirement savings. 

    What Are the Long-Term Effects of Inflation on Retirement Savings?

    Play Episode Listen Later Aug 30, 2024 32:00


    Inflation - It's a term you've likely heard often these days. Join Tim & Tyler as they break down how inflation can affect your retirement savings. 

    How Do I Become a Financial Planner?

    Play Episode Listen Later Aug 19, 2024 27:31


    Ever wondered what it takes to become a financial planner? Join Tim & Tyler as they discuss the key steps, challenges, and rewards for anyone curious about the profession or considering it as a career.

    Just The Answer: How Do I Become a Financial Planner?

    Play Episode Listen Later Aug 19, 2024 2:28


    Ever wondered what it takes to become a financial planner? Join Tim & Tyler as they discuss the key steps, challenges, and rewards for anyone curious about the profession or considering it as a career.

    How Should My Recent Graduate Get Started with Investing?

    Play Episode Listen Later Aug 5, 2024 28:55


    You've watched them grow up and work hard to graduate, and now you want to see them do something smart with money. Tune in and listen to Tim & Tyler discuss how a recent graduate can get started with investing!

    Just The Answer: How Should My Recent Graduate Get Started with Investing?

    Play Episode Listen Later Aug 5, 2024 4:21


    You've watched them grow up and work hard to graduate, and now you want to see them do something smart with money. Tune in and listen to Tim & Tyler discuss how a recent graduate can get started with investing!

    Just the Answer: How Can I Save For My Child's Education?

    Play Episode Listen Later Jul 22, 2024 4:28


    Saving and planning for education-related expenses is no small undertaking! Join Tim and Tyler as they discuss some of the common ways parents choose to save for their children's education.

    How Can I Save For My Child's Education?

    Play Episode Listen Later Jul 22, 2024 22:05


    Saving and planning for education-related expenses is no small undertaking! Join Tim and Tyler as they discuss some of the common ways parents choose to save for their children's education.

    Just The Answer: Why Are Index Funds Popular?

    Play Episode Listen Later Jul 5, 2024 4:16


    With the popularity of index funds on the rise, it is important to understand the ins and outs of how they work. Tune in and listen to Tim and Tyler discuss the nuts and bolts of index funds! 

    Why Are Index Funds Popular?

    Play Episode Listen Later Jul 5, 2024 23:35


    With the popularity of index funds on the rise, it is important to understand the ins and outs of how they work. Tune in and listen to Tim and Tyler discuss the nuts and bolts of index funds! 

    Just The Answer: How Do I Get Out of Debt?

    Play Episode Listen Later Jun 24, 2024 4:52


    There's nothing more satisfying than paying off a loan. Tune in to hear Tim and Tyler discuss different strategies for getting out of debt.

    How Do I Get Out of Debt?

    Play Episode Listen Later Jun 24, 2024 27:49


    There's nothing more satisfying than paying off a loan. Tune in to hear Tim and Tyler discuss different strategies for getting out of debt.

    How Can Individuals Diversify Their Investment Portfolios to Help Mitigate Risk?

    Play Episode Listen Later Jun 10, 2024 29:48


    Diversification, we've all heard the word! Join Tim and Tyler as they unravel the complexities of diversification and how it can fit into a well-rounded investment portfolio.

    Just The Answer: How Can Individuals Diversify Their Investment Portfolios to Help Mitigate Risk?

    Play Episode Listen Later Jun 10, 2024 3:45


    Diversification, we've all heard the word! Join Tim and Tyler as they unravel the complexities of diversification and how it can fit into a well-rounded investment portfolio.

    How Can Individuals Optimize Wealth Transfer While Minimizing Taxes & Probate?

    Play Episode Listen Later May 24, 2024 26:42


    Have you thought about what will happen to your money and who it will go to when you're no longer around? Join Tim & Tyler as they discuss different ways to help your hard-earned money pass efficiently to the intended recipients.

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