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Clear Money Talk

Clear Money Talk

Hosted by Tim Clairmont

BusinessInvesting
WebsiteRSS feedLinkedIn

Episodes

100

Latest episode

Aug 2026

Language

EN

About the 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.com Tim Clairmont & Tyler Andrews are Investment Advisor Representatives offering securities and advisory services through Cetera Advisor Networks LLC, a Broker/Dealer & Registered Investment Adviser, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. The views depicted in this material are for information purposes only and are not necessarily those of Cetera Advisor Networks LLC. They should not be considered specific advice or recommendations for any individual. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. A diversified portfolio does not assure a profit or protect against loss in a declining market. Investors cannot invest directly in indexes. The performance of any index is not indicative of the performance of any investment and does not take into account the effects of inflation and the fees and expenses associated with investing.

Listen to episodes

60 recent
August 17, 202633 min

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™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, explore how AI could influence your career, earning power, investments, and long-term financial planning. They discuss why adaptability and financial flexibility may become increasingly important, how businesses could benefit from greater efficiency, and why enthusiasm around AI should not be confused with an investment strategy. They also look at the growing role of AI in financial decision-making, including where these tools may be helpful and where professional judgment, context, and a personalized financial plan can still matter. Tune in for a practical conversation about navigating a rapidly changing technology without ignoring the opportunities, chasing the hype, or losing sight of your broader financial goals.

August 17, 20265 min

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™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, explore how AI could influence your career, earning power, investments, and long-term financial planning. They discuss why adaptability and financial flexibility may become increasingly important, how businesses could benefit from greater efficiency, and why enthusiasm around AI should not be confused with an investment strategy. They also look at the growing role of AI in financial decision-making, including where these tools may be helpful and where professional judgment, context, and a personalized financial plan can still matter. Tune in for a practical conversation about navigating a rapidly changing technology without ignoring the opportunities, chasing the hype, or losing sight of your broader financial goals.

August 3, 202628 min

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, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, compare HELOCs and cash-out refinances. They discuss how your existing mortgage rate, borrowing needs, repayment timeline, closing costs, and plans for the money can all influence the decision. They also explore when flexibility may matter more than a fixed repayment structure, why a lower monthly payment does not always lead to a lower long-term cost, and how borrowing against your home may affect your broader financial position. Tune in to hear the full conversation, available now on YouTube, Apple Podcasts, or wherever you listen.

August 3, 20265 min

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, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, compare HELOCs and cash-out refinances. They discuss how your existing mortgage rate, borrowing needs, repayment timeline, closing costs, and plans for the money can all influence the decision. They also explore when flexibility may matter more than a fixed repayment structure, why a lower monthly payment does not always lead to a lower long-term cost, and how borrowing against your home may affect your broader financial position. Tune in to hear the full conversation, available now on YouTube, Apple Podcasts, or wherever you listen.

July 20, 202631 min

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 decisions. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss the signs that your financial life may have outgrown a do-it-yourself approach. They also explore what a financial advisor can add beyond investment selection, including tax awareness, risk planning, retirement income strategy, behavioral guidance, and a second set of eyes on important decisions. Tune in to this week's episode for the full conversation. Available now on YouTube, Apple Podcasts, or wherever you listen.

July 20, 20266 min

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 decisions. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss the signs that your financial life may have outgrown a do-it-yourself approach. They also explore what a financial advisor can add beyond investment selection, including tax awareness, risk planning, retirement income strategy, behavioral guidance, and a second set of eyes on important decisions. Tune in to this week's episode for the full conversation. Available now on YouTube, Apple Podcasts, or wherever you listen.

July 6, 202633 min

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 and how the definition of success has changed over time. From housing and education costs to career choices, debt, lifestyle expectations, and retirement, they explore why traditional milestones may feel harder to reach today and why financial success may look different for each person. Watch the full episode for a thoughtful conversation on redefining the American Dream in today's financial reality.

July 6, 20266 min

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 and how the definition of success has changed over time. From housing and education costs to career choices, debt, lifestyle expectations, and retirement, they explore why traditional milestones may feel harder to reach today and why financial success may look different for each person. Watch the full episode for a thoughtful conversation on redefining the American Dream in today's financial reality.

June 22, 202633 min

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, insurance coverage, estate planning basics, and overall financial priorities. You can also download the free Mid-Year Financial Checklist on our website under the Insights tab and use it to follow along with the episode. Subscribe for more straightforward conversations about the money questions people are actually asking.

June 22, 20267 min

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, insurance coverage, estate planning basics, and overall financial priorities. You can also download the free Mid-Year Financial Checklist on our website under the Insights tab and use it to follow along with the episode. Subscribe for more straightforward conversations about the money questions people are actually asking.

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