PODCAST · business
Clear Money Talk
by Tim Clairmont
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.comTim 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
Episodes
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Just The Answer: Are Bonds Finally Worth Owning Again?
Bonds haven't exactly lived up to their reputation for stability in recent years. Has that changed? In this episode of Clear Money Talk, Tim and Tyler are joined by Gene Goldman, CFA®, Chief Investment Officer at Cetera Financial Group, to explore how the bond market has evolved and what…
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Are Bonds Finally Worth Owning Again?
Bonds haven't exactly lived up to their reputation for stability in recent years. Has that changed? In this episode of Clear Money Talk, Tim and Tyler are joined by Gene Goldman, CFA®, Chief Investment Officer at Cetera Financial Group, to explore how the bond market has evolved and what…
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Are Index Funds Still Enough?
Are index funds still enough for today's investor? Index funds have long been popular for their simplicity, low costs, and broad diversification. But today's investing landscape looks different. Major indexes can be more concentrated than many investors realize, and there are more investment...
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Just The Answer: Are Index Funds Still Enough?
Are index funds still enough for today's investor? Index funds have long been popular for their simplicity, low costs, and broad diversification. But today's investing landscape looks different. Major indexes can be more concentrated than many investors realize, and there are more investment...
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Are Investors Taking Too Much Risk Right Now?
Gene Goldman, CFA®, Chief Investment Officer of Cetera Financial Group, joins Tim and Tyler for a conversation about what investors should be paying attention to in today's market. In this episode of Clear Money Talk, they discuss market concentration, elevated valuations, portfolio...
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Just The Answer: Are Investors Taking Too Much Risk Right Now?
Gene Goldman, CFA®, Chief Investment Officer of Cetera Financial Group, joins Tim and Tyler for a conversation about what investors should be paying attention to in today's market. In this episode of Clear Money Talk, they discuss market concentration, elevated valuations, portfolio...
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Is Bitcoin Really Becoming Mainstream?
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...
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Just The Answer: Is Bitcoin Really Becoming Mainstream?
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...
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What Does AI Mean For Your Money?
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™,...
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Just The Answer: What Does AI Mean For Your Money?
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™,...
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HELOC or Cash Out Refinance?
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…
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Just The Answer: HELOC or Cash Out Refinance?
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…
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When Does DIY Investing Stop Being Enough?
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...
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Just The Answer: When Does DIY Investing Stop Being Enough?
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...
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Is The American Dream Still Financially Attainable?
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...
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Just The Answer: Is The American Dream Still Financially Attainable?
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...
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What Should Be on Your Mid-year Financial Checklist?
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…
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Just The Answer: What Should Be on Your Mid-year Financial Checklist?
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…
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What Financial Moves Should You Make Before 40?
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…
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Just The Answer: What Financial Moves Should You Make Before 40?
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…
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Should You Sell Your RSUs Immediately?
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...
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Just The Answer: Should You Sell Your RSUs Immediately?
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...
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Is Private Equity Worth The Hype?
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…
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Just The Answer: Is Private Equity Worth The Hype?
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…
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Just The Answer: What's The Difference Between Feeling Wealthy And Actually Being 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…
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What's The Difference Between Feeling Wealthy And Actually Being 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…
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When Does It Make Sense To Pay Off Your Mortgage Early?
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,...
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Just The Answer: When Does It Make Sense To Pay Off Your Mortgage Early?
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,...
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What Should You Do With Your Old 401(k)s After You Change Jobs?
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®,...
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Just The Answer: What Should You Do With Your Old 401(k)s After You Change jobs?
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®,...
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Should You Stop Using Your Debit Card?
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...
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Just The Answer: Should You Stop Using Your Debit Card?
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...
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Just The Answer: How Do Wars Impact the Economy, Markets, and Your Portfolio?
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…
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How Do Wars Impact the Economy, Markets, and Your Portfolio?
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…
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Your Life Changes Fast. Is Your Financial Plan Keeping Up?
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...
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Just The Answer: Your Life Changes Fast. Is Your Financial Plan Keeping Up?
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...
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Are You Chasing Returns or Building Real Wealth?
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...
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Just The Answer: Are You Chasing Returns or Building Real Wealth?
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...
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Can You Talk About Money With Family Without Starting A Feud?
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...
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Just The Answer: Can You Talk About Money With Family Without Starting A Feud?
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...
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Will AI Change the Way You Invest?
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...
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Just The Answer: Will AI Change the Way You Invest?
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...
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Just The Answer: What Should Be On Your New Year Financial Checklist
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...
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What Should Be On Your New Year Financial Checklist?
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...
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Bonus Episode: Just The Answer - Are You Relying Too Heavily on Your Employer for Financial Security?
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...
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Bonus Episode: Are You Relying Too Heavily on Your Employer for Financial Security?
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...
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Just The Answer: Is Rising Debt Putting Your Financial Future at Risk?
U.S. household debt has surpassed $18 trillion, and higher interest rates have changed how many people experience borrowing. This episode of Clear Money Talk takes an educational look at how rising debt fits into today's financial landscape and why it has become a more important topic in recent...
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Is Rising Debt Putting Your Financial Future at Risk?
U.S. household debt has surpassed $18 trillion, and higher interest rates have changed how many people experience borrowing. This episode of Clear Money Talk takes an educational look at how rising debt fits into today's financial landscape and why it has become a more important topic in recent...
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Can You Actually Trust Online Financial Advice?
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...
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Just The Answer: Can You Actually Trust Online Financial Advice?
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...
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ABOUT THIS SHOW
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.comTim 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
HOSTED BY
Tim Clairmont
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