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 diversification, and whether investors are being adequately rewarded for the risks they're taking.

Gene shares his perspective on the current investment landscape and the factors investors may want to consider as they evaluate risk, opportunity, and diversification within their portfolios.

If you're wondering how today's market conditions could affect your investment strategy, this episode offers a thoughtful look at some of the biggest questions facing investors right now.

Subscribe to Clear Money Talk for more conversations about investing, retirement planning, taxes, and the financial decisions that can shape your future.

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 diversification, and whether investors are being adequately rewarded for the risks they're taking.

Gene shares his perspective on the current investment landscape and the factors investors may want to consider as they evaluate risk, opportunity, and diversification within their portfolios.

If you're wondering how today's market conditions could affect your investment strategy, this episode offers a thoughtful look at some of the biggest questions facing investors right now.

Subscribe to Clear Money Talk for more conversations about investing, retirement planning, taxes, and the financial decisions that can shape your future.

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 Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss Bitcoin's growing presence in the financial world, the role of cryptocurrency ETFs and easier access, and why increased adoption does not eliminate Bitcoin's significant volatility and speculative nature.

They also explore how investors can think about Bitcoin within the context of diversification, risk tolerance, long-term financial goals, and the fear of missing out.

Is Bitcoin here to stay? Is it truly mainstream yet? And how should you evaluate whether cryptocurrency has any place in your financial picture?

Tune in to hear the full conversation.

Subscribe to Clear Money Talk on YouTube, Apple Podcasts, or wherever you listen.

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 Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, NSSA®, Wealth Advisor, discuss Bitcoin's growing presence in the financial world, the role of cryptocurrency ETFs and easier access, and why increased adoption does not eliminate Bitcoin's significant volatility and speculative nature.

They also explore how investors can think about Bitcoin within the context of diversification, risk tolerance, long-term financial goals, and the fear of missing out.

Is Bitcoin here to stay? Is it truly mainstream yet? And how should you evaluate whether cryptocurrency has any place in your financial picture?

Tune in to hear the full conversation.

Subscribe to Clear Money Talk on YouTube, Apple Podcasts, or wherever you listen.

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.

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.

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.

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.

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.

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.