Podcast appearances and mentions of tyler andrews

(00:00) The Red Sox lost again, and the fans are not happy about it, and the guys listen to a clip of an angry Red Sox fan, then talk about the Golf Tournament they went to yesterday, its name, a guy who pooped under a staircase and got banned, Zolak and Bertrand doing live broadcast during tournament, somebody throwing a club at the course and who it was, who the guys played with, how good he was, the score the guys got, how many shots of theirs counted, the live auction, and Fred tells a story from the course(19:49.435) Tyler Andrews, who has the world record for climbing Mount Everest, joins Toucher and Hardy, is on to talk about his adventure, his background and life, his preparation for the trip, what were his biggest achievements and was Everest his greatest? How many people were there? Also, his journey back down and when he knew he was going to survive. Then, the guys talk about what could motivate someone to do something like this. (33:35.955) The guys talk more about the Knicks game, when Fred rooted for the Knicks, Georgetown being a brand people wear, why the Knicks are unlikeable, New York fans, Knicks vs Jets, the guys then talk about Trump's comments on the game and Steven A. Smith Please note: Timecodes may shift by a few minutes due to inserted ads. Because of copyright restrictions, portions—or entire segments—may not be included in the podcast.CONNECT WITH TOUCHER & HARDY: linktr.ee/ToucherandHardyFor the latest updates, visit the show page on 985thesportshub.com. Follow 98.5 The Sports Hub on Twitter, Facebook and Instagram. Watch the show every morning on YouTube, and subscribe to stay up-to-date with all the best moments from Boston's home for sports!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We discuss athletes on the move (including, possibly, Michael Versteeg?!), Kilian Jornet's injury status, the Cocodona 250 lottery results, Tyler Andrews' Everest record, results from the Sunapee Scramble, Scout Mountain 100, and Twisted Fork Trail Festival, UTMB's latest event announcement in Vietnam, and our favorite content of the week.Partners:Precision Fuel and Hydration - use code SINGLETRACK at checkout for 15% off your next orderNorda - check out the 005: the lightest, fastest, most stable trail racing shoe ever madeRaide - Making equipment for efficient human-powered movement in the mountains Janji - premium trail running apparelMomentous - use code SINGLETRACK for up to 35% off your first order Kodiak Cakes - my favorite oatmeal and pancakes Support the show

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/

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/

Tyler Andrews, a 36-year-old runner from Concord, summited Everest in record-breaking time.

Rest Day Live is back tonight with Tim Tollefson in the co-host chair. We'll be joined at the top of the show by Tyler Andrews, fresh off his FKT ascent of Mt. Everest! Run of show: Tyler Andrews Everest FKT Interview Kilian's Zegama Report Jeff Mogavero's Western States Block OCC Course Change Xavier Thevenard's Comeback Strava File of the Week Bonus Miles: The Enhanced Games Shenanigans (Join Freetrail Pro to access) We'll be LIVE on YouTube starting at 5pm PT tonight. SUBSCRIBE TO FREETRAIL'S NEWSLETTER - https://mailing.freetrail.com/newslettersignup JOIN FREETRAIL PRO - https://freetrail.com/pro REGISTER FOR TRAILCON - https://trailconference.com/register/ Sponsors: Use code FREETRAIL25 for 25% off your first order of NEVERSECOND nutrition at https://www.never2.com Check out the Capilene Cool Sun Hoodie from Patagonia: https://www.patagonia.com/shop/favorites/capilene-cool-tech-tees/sun Use this link for 30% off Ketone-IQ: https://ketone.com/pages/dylan-bowman?utm_source=partners&utm_medium=referral&utm_campaign=FREETRAIL30 Freetrail Links: Website | https://freetrail.com/ Freetrail Pro | https://freetrail.com/freetrail-pro/ Patreon | https://www.patreon.com/dylanbowman Instagram | https://www.instagram.com/runfreetrail/ YouTube | https://www.youtube.com/channel/UC8MKI1xB8YMchI1764zJXHg Freetrail Experts | https://freetrail.com/freetrail-experts/ Dylan Links: Instagram | https://www.instagram.com/dylanbo/ Twitter | https://twitter.com/dylanbo LinkedIn | https://www.linkedin.com/in/dylan-bowman-06174380/ Strava | https://www.strava.com/pros/1596921

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.

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.

With the 2026 Everest season hitting its most critical stretch, Sam and Adrian are back for their third installment of armchair mountaineering coverage. Before diving into Everest, Adrian recommends HBO's four-part series The Dark Wizard on the life of Dean Potter, which has now released all episodes and has been making the rounds well beyond the climbing community. Adrian reflects on  his feeling genuinely moved by how elegantly the filmmakers handled the full arc of Dean's life, his struggles, and ultimately his death. Sam touches on a new GPS-based avalanche transceiver from German company Nivia Safety, claiming to speed up burial searches by up to 30% and set to launch in fall 2026.From there, Sam and Adrian cover the following from the 2026 Everest season:Bartek Ziemski on Lhotse: The Polish ski mountaineer made only the second ski descent of the Lhotse Couloir — the first without oxygen, without new fixed ropes above Camp 3, and without ever taking his skis off, including finding a creative line through the icefall. Adrian, who made the first ski descent of Makalu and has a personal connection to Bartek, calls it one of the most groundbreaking Himalayan ski mountaineering achievements he's seen. Since recording this episode, Bartek went on to successfully summit and ski Everest without oxygen as well. The First Summit Wave: The rope fixing team reached the summit and six clients followed before the weather window closed. Adrian celebrates the fixing effort while pushing back on the practice of clients climbing on rope fixing day — a habit that adds pressure to the team doing the most dangerous work on the mountain.Summit Windows and Crowd Management: With a record number of climbers on the south side and a compressed season, Adrian breaks down what the next 10 days look like, how teams are positioning themselves across two potential windows, and why he's always preferred a marginal weather day with fewer people over a perfect day with 150 climbers on the route.Speed Ascents, Kristen Harila, and No-Oxygen Attempts: A look at the notable storylines shaping up for the final push — including Tyler Andrews and Karl Egloff's contrasting acclimatization approaches ahead of their FKT attempts, and Kristen Harila's no-oxygen bid after summiting Nuptse without supplemental oxygen as a warmup.Follow our podcast on Instagram @duffelshufflepodcast where you can learn more about us and our guests. Visit our website at www.duffelshufflepodcast.com and join our mailing list. The Duffel Shuffle Podcast is supported by Alpenglow Expeditions, an internationally renowned mountain guide service based in Lake Tahoe, California. Visit www.alpenglowexpeditions.com or follow @alpenglowexpeditions on Instagram to learn more.

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.  

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.

With the 2026 Everest season now firmly underway and the icefall finally open, Sam and Adrian are back for their second installment of armchair mountaineering coverage. Sam opens with a somber news section, paying tribute to two losses that hit close to home in the outdoor community: Bernie Rosow of Mammoth and Will Stanhope of BC, killed in separate incidents within days of each other. Adrian knew both casually, and reflects on what made each of them so magnetic — Bernie grinding away as a snow cat driver while somehow getting out more than anyone on the east side of the Sierra, and Will quietly pushing the cutting edge of hard trad lines in Squamish and around the world for decades. Adrian also brings a lighter story out of the Himalaya: a Russian and Ukrainian climber who headed to Manaslu in the spring off-season, found the mountain entirely to themselves, and hung it way out there in proper old-school style — a good reminder that the vast majority of the world's mountains can still deliver wild experiences. From there, Sam and Adrian dig into the following topics from the 2026 Everest season:- The Icefall Opens: The threatening serac that delayed the season has partially fallen, a route has been threaded, and teams are moving — but the season is now running in the most compressed window of the modern era, with record permit numbers and a shortened timeline creating real human factors pressure.- Drones on Everest: Last season's successful drone trials have hit a regulatory pause, and Adrian unpacks why that's both completely predictable and genuinely frustrating — and why getting drones properly established on the mountain may be the single most important step toward making the south side safe enough for Alpenglow to return.- Topo's First Impressions and Season Conditions: Alpenglow guide Topo Mena has made his first carry to Camp Two on the south side with early reports positive. Adrian also notes the mountain is running unusually dry this season, which exposes hard ice on the Lhotse Face and adds challenge for everyone — including speed climbers Tyler Andrews and Karl Egloff, who are on the mountain chasing records.- Listener Question — Does the Round Trip Count?: A listener asks the guys to weigh in on whether a summit counts if you don't make it back under your own power. Sam and Adrian don't hold back.Follow our podcast on Instagram @duffelshufflepodcast where you can learn more about us and our guests. Visit our website at www.duffelshufflepodcast.com and join our mailing list. The Duffel Shuffle Podcast is supported by Alpenglow Expeditions, an internationally renowned mountain guide service based in Lake Tahoe, California. Visit www.alpenglowexpeditions.com or follow @alpenglowexpeditions on Instagram to learn more.

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.

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.

Send us Fan MailChris Fisher just came back from a three-month Ecuador adventure that started with almost no plan and turned into a full-on human-powered volcano mission. From a base in Quito at high altitude, he links long bike days with climbs on Ecuador's biggest volcanoes, chasing a “Big Ten” style objective that becomes nine summits once he decides an actively erupting peak is a hard no. We get into what the miles actually feel like, including a brutal opening push to Cayambe and the reality of riding loaded on highways where the risk is out of your hands.We also talk logistics that make or break a bikepacking and mountaineering trip: mapping routes with CalTopo and Strava, finding cheap hotels, staying fueled with local food, and why Ecuador can feel far more accessible than people assume. Chris shares the one sketchy moment that nearly derailed the trip, then explains why he still encourages people to explore the Andes and the Amazon with smart awareness instead of fear.The biggest shift comes in the rainforest, where an immersion with a Kichwa village reframes what “enough” looks like. That lesson carries into what's next: a possible return to Everest to support Tyler Andrews, a growing focus on bike-to-climb projects like the Tour des 14ers, and candid thoughts on the current state of FKTs, sponsorship, storytelling, and launching a YouTube channel with Erin.If you like big objectives with real heart behind them, subscribe, share this with a friend who loves the mountains, and leave a review so more people can find the show. What part of Chris's approach would you borrow for your own adventures?Follow Chris on IG - @chrisjfishContact Chris - chrisjfish.com Photo - Santiago Gurrero (@santigurrerog_)Follow James on IG - @jameslaurielloFollow the Steep Stuff Podcast on IG - @steepstuff_pod

When does it make sense to pay off your mortgage early? It's a question many people ask, especially as retirement gets closer, cash reserves grow, or interest rates shift. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the key factors that can shape that decision and why the right answer is rarely one-size-fits-all. Tim and Tyler explore how mortgage rates, tax treatment, liquidity, risk tolerance, and retirement timing can all influence whether paying off your mortgage early is the smartest move. They also discuss the emotional side of the equation, including the peace of mind that can come from reducing debt and why behavior matters just as much as math. Whether you are deciding between paying down debt, investing excess cash, or creating more flexibility for retirement, this episode will help you think through the tradeoffs with greater clarity.

When does it make sense to pay off your mortgage early? It's a question many people ask, especially as retirement gets closer, cash reserves grow, or interest rates shift. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the key factors that can shape that decision and why the right answer is rarely one-size-fits-all. Tim and Tyler explore how mortgage rates, tax treatment, liquidity, risk tolerance, and retirement timing can all influence whether paying off your mortgage early is the smartest move. They also discuss the emotional side of the equation, including the peace of mind that can come from reducing debt and why behavior matters just as much as math. Whether you are deciding between paying down debt, investing excess cash, or creating more flexibility for retirement, this episode will help you think through the tradeoffs with greater clarity.

What should you do with your old 401(k)s after you change jobs? It sounds like a simple question, but the wrong move can create unnecessary taxes, missed opportunities, or added complexity. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, unpack the bigger picture behind old retirement accounts and why this decision deserves more attention than it often gets. From understanding your available options to recognizing some of the most common missteps, this conversation is designed to help listeners slow down and think more intentionally about a decision that can have lasting financial consequences. What seems like a small administrative task can actually play a meaningful role in how organized, efficient, and aligned your financial life remains over time. Whether you have one old 401(k) or several accounts scattered across past employers, this episode will help you think more clearly about what comes next and what mistakes are worth avoiding.

What should you do with your old 401(k)s after you change jobs? It sounds like a simple question, but the wrong move can create unnecessary taxes, missed opportunities, or added complexity. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, unpack the bigger picture behind old retirement accounts and why this decision deserves more attention than it often gets. From understanding your available options to recognizing some of the most common missteps, this conversation is designed to help listeners slow down and think more intentionally about a decision that can have lasting financial consequences. What seems like a small administrative task can actually play a meaningful role in how organized, efficient, and aligned your financial life remains over time. Whether you have one old 401(k) or several accounts scattered across past employers, this episode will help you think more clearly about what comes next and what mistakes are worth avoiding.

Should you stop using your debit card? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the pros and cons of debit cards versus credit cards and explain why this everyday money decision may matter more than most people realize. From fraud protection and frozen bank funds to credit-building opportunities, rewards programs, and spending discipline, this episode explores the real-world tradeoffs behind how you pay. Tim and Tyler also share when a debit card may still be appropriate, why credit cards can be a powerful financial tool when used responsibly, and how to think through the best option for your own situation. Tune in for a practical conversation on spending smarter, protecting your cash flow, and making more intentional financial decisions.

Should you stop using your debit card? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the pros and cons of debit cards versus credit cards and explain why this everyday money decision may matter more than most people realize. From fraud protection and frozen bank funds to credit-building opportunities, rewards programs, and spending discipline, this episode explores the real-world tradeoffs behind how you pay. Tim and Tyler also share when a debit card may still be appropriate, why credit cards can be a powerful financial tool when used responsibly, and how to think through the best option for your own situation. Tune in for a practical conversation on spending smarter, protecting your cash flow, and making more intentional financial decisions.

When global conflict dominates the headlines, uncertainty can spread through financial markets and the broader economy. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore how war and geopolitical conflict can influence the economy, market volatility, inflation, energy prices, and investor behavior. They discuss why markets often react during periods of uncertainty, what history has shown about economic conditions during wartime, and how investors can think about maintaining discipline when headlines create fear or confusion. The goal of Clear Money Talk is to turn complex financial topics into clear, practical insights so listeners can better understand the forces shaping the economy and financial markets. We appreciate you spending your minutes with us.

When global conflict dominates the headlines, uncertainty can spread through financial markets and the broader economy. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, explore how war and geopolitical conflict can influence the economy, market volatility, inflation, energy prices, and investor behavior. They discuss why markets often react during periods of uncertainty, what history has shown about economic conditions during wartime, and how investors can think about maintaining discipline when headlines create fear or confusion. The goal of Clear Money Talk is to turn complex financial topics into clear, practical insights so listeners can better understand the forces shaping the economy and financial markets. We appreciate you spending your minutes with us.

Life naturally evolves over time. Careers progress. Families grow. Priorities shift. The question is not whether change happens. It is whether your financial plan reflects where you are today. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, CFS®, CIS™, CAS®, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor discuss why financial planning is not a one-time event. They explore how plans can quietly drift out of alignment and why intentional, recurring Strategy Sessions help ensure clarity over time. They also revisit the Five Principles of Financial Planning and explain how each one plays a role in keeping your strategy cohesive, intentional, and aligned with your long term goals. A well-designed plan should evolve as you do. If you find conversations like this helpful, subscribe to Clear Money Talk so you do not miss future episodes. You can also explore additional insights and resources at ClearFP.com.  

Life naturally evolves over time. Careers progress. Families grow. Priorities shift. The question is not whether change happens. It is whether your financial plan reflects where you are today. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, CFS®, CIS™, CAS®, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor discuss why financial planning is not a one-time event. They explore how plans can quietly drift out of alignment and why intentional, recurring Strategy Sessions help ensure clarity over time. They also revisit the Five Principles of Financial Planning and explain how each one plays a role in keeping your strategy cohesive, intentional, and aligned with your long term goals. A well-designed plan should evolve as you do. If you find conversations like this helpful, subscribe to Clear Money Talk so you do not miss future episodes. You can also explore additional insights and resources at ClearFP.com.

It's easy to get caught up in investment returns, market headlines, and performance scorecards. But is focusing on returns alone really the best way to build long-term wealth? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor explore the difference between chasing performance and building a thoughtful financial plan designed to support your life over decades, not just one market cycle. They discuss why trying to beat the market can become a distraction, how emotional decision-making often works against investors, and why patience and discipline matter more than perfect timing. The conversation also touches on time in the market versus timing the market, the role of taxes and planning, and why your financial plan not short-term returns, is the real MVP. If you've ever wondered whether you're investing with purpose or just reacting to the scoreboard, this episode offers helpful perspective.

t's easy to get caught up in investment returns, market headlines, and performance scorecards. But is focusing on returns alone really the best way to build long-term wealth? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor explore the difference between chasing performance and building a thoughtful financial plan designed to support your life over decades, not just one market cycle. They discuss why trying to beat the market can become a distraction, how emotional decision-making often works against investors, and why patience and discipline matter more than perfect timing. The conversation also touches on time in the market versus timing the market, the role of taxes and planning, and why your financial plan not short-term returns, is the real MVP. If you've ever wondered whether you're investing with purpose or just reacting to the scoreboard, this episode offers helpful perspective.

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.

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.

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

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

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.

  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: 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? 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

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.

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.

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? 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.

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:

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:

A new tax bill has officially been signed into law — but what does it really mean for your income, your small business, and your long-term financial plan? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor break down the key changes, including: The new standard deduction and SALT cap increase Expanded small business and child tax credits Reinstated R&D deductions for innovation Cuts to certain federal programs Growing national deficit and long-term planning implications Strategic estate planning opportunities  Tim and Tyler explain how these updates may affect your taxes today and your broader financial strategy tomorrow. Listen now to learn how to navigate the new rules and plan proactively for the years ahead.

A new tax bill has officially been signed into law — but what does it really mean for your income, your small business, and your long-term financial plan? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor and Tyler Andrews, CFP®, Wealth Advisor break down the key changes, including: The new standard deduction and SALT cap increase Expanded small business and child tax credits Reinstated R&D deductions for innovation Cuts to certain federal programs Growing national deficit and long-term planning implications Strategic estate planning opportunities  Tim and Tyler explain how these updates may affect your taxes today and your broader financial strategy tomorrow. Listen now to learn how to navigate the new rules and plan proactively for the years ahead.

Retirement 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:

Retirement 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:

Sam and Adrian connect for Episode 39 of the Duffel Shuffle Podcast to discuss the fall season in the Himalaya and, in particular, two athletes with specific objectives on Everest. With a break in guests for the show, Sam and Adrian used this week's episode to catch up on a few items.- Adrian is tuning in while attending the Black Diamond Athlete Summit, so we took the opportunity to learn more. Athlete Summit's are a popular event among brands, but there's not much info about them for the average consumer, so we use this opportunity to deep dive and learn more. - With the Autumn season on Everest wrapping up, Sam and Adrian discuss the two special projects that took place this season; Tyler Andrews was unfortunately unsuccessful in two attempts to set the FKT on Everest while Andrzej Bargeil successfully submitted and skied off Everest, without supplemental oxygen, in his third attempt. - Despite a tricky season with short weather window's other fall 8,000ers in the Himalaya, many commercial operators had success on Manaslu, with fewer successful on Cho Oyu due to fewer climbers for political reasons. Upcoming, we'll be launching a 7 episode series to deep-dive into all aspects of each of the seven summits. We'll be following the format of Episode 36 “K2: The Savage Mountain” and unpacking all the important information about the tallest peaks on every continent. Stay tuned!Follow our podcast on Instagram @duffelshufflepodcast where you can learn more about us and our guests. Visit our website at www.duffelshufflepodcast.com and join our mailing list. The Duffel Shuffle Podcast is supported by Alpenglow Expeditions, an internationally renowned mountain guide service based in Lake Tahoe, California. Visit www.alpenglowexpeditions.com or follow @alpenglowexpeditions on Instagram to learn more.

Is Crypto Right for You? Bitcoin, blockchain, and cryptocurrencies have been everywhere in the headlines, but do they really belong in your financial plan? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, and Tyler Andrews unpack the basics of crypto:

Is Crypto Right for You? Bitcoin, blockchain, and cryptocurrencies have been everywhere in the headlines, but do they really belong in your financial plan? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, and Tyler Andrews unpack the basics of crypto: