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: 🔹 What it is (and isn't) 🔹 Why it's considered speculative and volatile 🔹 How blockchain works behind the scenes 🔹 The difference between "FOMO investing" and intentional strategy

They also share personal stories, historical context, and practical ways to think about where (if at all) crypto might fit into a bigger picture plan.

Whether you're crypto-curious or just tired of the buzzwords, this episode breaks it down in plain English. Listen now and decide for yourself: is crypto the main course, or just the "sizzle on the steak"?

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: 🔹 What it is (and isn't) 🔹 Why it's considered speculative and volatile 🔹 How blockchain works behind the scenes 🔹 The difference between "FOMO investing" and intentional strategy

They also share personal stories, historical context, and practical ways to think about where (if at all) crypto might fit into a bigger picture plan.

Whether you're crypto-curious or just tired of the buzzwords, this episode breaks it down in plain English. Listen now and decide for yourself: is crypto the main course, or just the "sizzle on the steak"?

The 2025 Tax Sunset could reshape the financial landscape, possibly leading to higher income taxes, reduced deductions, and lower estate tax exemptions. What might that mean for retirement planning, estate strategies, and long-term wealth management?

Episode overview: In this episode of Clear Money Talk, Tim Clairmont MSFS™, LACP™, and Tyler Andrews CFP® explore the potential ripple effects on retirees, high-income earners, and families building their estates.

They also discuss educational strategies people often consider, such as:

✔️ Using life insurance in estate planning

✔️ Reviewing gifting approaches

✔️ Considering Roth conversions while today's tax rates are still in place

🎧 Tune in for clear, practical insights to help you stay informed.

If Congress doesn't act, the 2025 tax sunset could bring higher income taxes, lower deductions, and a significant reduction in estate tax exemptions. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down the ripple effects this could have on high-income earners, retirees, and families with growing estates.

They also share practical tools to prepare—like using life insurance in estate planning, reviewing your gifting strategies, and considering Roth conversions while today's tax rates are still in place.

They're marketed as convenient. But Target Date Funds can sometimes be too aggressive, too conservative, or simply too generic for your unique situation. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down the mechanics of Target Date Funds and offer perspective on how to evaluate whether they're truly working for you.

The conversation covers the importance of understanding your fund's glide path, comparing how different providers structure their portfolios, and evaluating the potential risks of relying too heavily on automation. You'll also hear about alternative strategies that could provide more clarity, flexibility, and alignment with your goals.

They're marketed as convenient. But Target Date Funds can sometimes be too aggressive, too conservative, or simply too generic for your unique situation. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down the mechanics of Target Date Funds and offer perspective on how to evaluate whether they're truly working for you.

The conversation covers the importance of understanding your fund's glide path, comparing how different providers structure their portfolios, and evaluating the potential risks of relying too heavily on automation. You'll also hear about alternative strategies that could provide more clarity, flexibility, and alignment with your goals.

Empty nesting isn't just an emotional milestone—it's a financial one too. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, share ideas to help listeners make the most of this new phase.

They cover the impact of budget changes, how to reallocate spending once the kids are off the payroll, and ways to catch up on retirement savings. The conversation also touches on the realities of downsizing, the importance of legacy planning, and how to embrace a refreshed financial identity moving forward.

Empty nesting isn't just an emotional milestone—it's a financial one too. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, share ideas to help listeners make the most of this new phase.

They cover the impact of budget changes, how to reallocate spending once the kids are off the payroll, and ways to catch up on retirement savings. The conversation also touches on the realities of downsizing, the importance of legacy planning, and how to embrace a refreshed financial identity moving forward.

From saving 10% of your salary to allocating bonds based on your age, there are plenty of old money myths still floating around. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down some of the most common financial rules of thumb and explore whether they're helping—or holding you back.

They share the history behind these ideas, why they became popular, and what today's retirees could consider instead. If you're rethinking your approach to retirement planning, this episode offers a fresh, practical perspective.

From saving 10% of your salary to allocating bonds based on your age, there are plenty of old money myths still floating around. In this episode, Tim Clairmont MSFS™, LACP™, Wealth Advisor, and Tyler Andrews CFP®, Wealth Advisor, break down some of the most common financial rules of thumb and explore whether they're helping—or holding you back.

They share the history behind these ideas, why they became popular, and what today's retirees could consider instead. If you're rethinking your approach to retirement planning, this episode offers a fresh, practical perspective.