Clear Money Talk by Tim Clairmont | Biz and Tech Podcasts

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.

June 8, 202632 min

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 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/

June 8, 20263 min

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 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/

May 25, 202632 min

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 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.

May 25, 20264 min

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 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.

Clear Money Talk

About the show

Listen to episodes

When Does DIY Investing Stop Being Enough?

Just The Answer: When Does DIY Investing Stop Being Enough?

Is The American Dream Still Financially Attainable?

Just The Answer: Is The American Dream Still Financially Attainable?

What Should Be on Your Mid-year Financial Checklist?

Just The Answer: What Should Be on Your Mid-year Financial Checklist?

What Financial Moves Should You Make Before 40?

Just The Answer: What Financial Moves Should You Make Before 40?

Should You Sell Your RSUs Immediately?

Just The Answer: Should You Sell Your RSUs Immediately?

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