Clear Money Talk

Small choices can have a big impact over time – sometimes in ways that aren't immediately obvious. In this episode, Tim Clairmont MSFS™, LACP™, and Tyler Andrews CFP® discuss common patterns they've seen that may unintentionally interfere with financial progress: emotional spending, delayed action, lack of a written plan, overconfidence in DIY strategies, and overlooking tax and estate considerations. This isn't about one-size-fits-all advice. It's a conversation meant to help listeners consider where they are today, what habits might be worth revisiting, and where there may be room to adjust.

Small choices can have a big impact over time – sometimes in ways that aren't immediately obvious. In this episode, Tim Clairmont MSFS™, LACP™, and Tyler Andrews CFP® discuss common patterns they've seen that may unintentionally interfere with financial progress: emotional spending, delayed action, lack of a written plan, overconfidence in DIY strategies, and overlooking tax and estate considerations. This isn't about one-size-fits-all advice. It's a conversation meant to help listeners consider where they are today, what habits might be worth revisiting, and where there may be room to adjust.

Let's be honest—tax season doesn't exactly spark joy. But there's a lot more to it than just plugging numbers into a software and hitting “submit.” In this episode, Tim Clairmont MSFS™, LACP™, and Tyler Andrews CFP® sit down to unpack some of the real questions people are asking right now: Are you withholding too much or too little from your paycheck? Are there deductions or credits you're overlooking? Could a few small adjustments now save you headaches (and maybe dollars) next year? 

Let's be honest—tax season doesn't exactly spark joy. But there's a lot more to it than just plugging numbers into a software and hitting “submit.” In this episode, Tim Clairmont MSFS™, LACP™, and Tyler Andrews CFP® sit down to unpack some of the real questions people are asking right now: Are you withholding too much or too little from your paycheck? Are there deductions or credits you're overlooking? Could a few small adjustments now save you headaches (and maybe dollars) next year? 

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.  

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.

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.

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.

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.    

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.

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 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!

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.

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.

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. 

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. 

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.

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. 

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. 

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. 

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.

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.

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.  

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.  

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. 

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. 

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.

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 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.

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.

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.

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.

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

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

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!

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!

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!

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!

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.

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.

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. 

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. 

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.

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.

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!

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!

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.

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.

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! 

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! 

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.