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ClearFP

Financial Education Blog

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Want to learn more about everything finance? Check out some of our most popular blog posts covering Tim Clairmont's professional advice on all your financial questions, such as  taxes, estate planning, retirement, and investments. 

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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.

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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.

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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.

Important Disclosures

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This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. Not affiliated with or endorsed by the Social Security Administration or any other government agency. Please contact a qualified tax advisor or estate planning attorney.​

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Securities offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC, CA insurance license # 0644976), member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.

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This site is published for residents of the United States only. Registered representatives of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information, please contact the representative(s) listed on the site or visit the Cetera Advisor Networks site at www.ceteraadvisornetworks.com

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Important Information and Form CRS

Business Continuity Plan

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IMPORTANT CONSUMER INFORMATION

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An investment adviser (RIA) or investment advisor (IA) representative may only transact business in a state if first registered, or if it is excluded or exempt from state broker/dealer, investment adviser or IA registration requirements as appropriate. Follow-up and/or individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of an investment adviser or IA rep, a consumer should contact their state securities law administrator.

Links are provided as a convenience and are for informational purposes only. These links are not a part of the Clear Financial Partners, Inc., ClearFP Advisors, LLC and/or ClearFP Life, LLC’s web site nor are they monitored by Clear Financial Partners, Inc., ClearFP Advisors, LLC., and/or ClearFP Life, LLC.  These companies do not guarantee the accuracy or completeness of any data obtained, and accept no responsibility for the content, or the use, of the web site. These companies assume no liability for any inaccuracies, errors or omissions in or from any data or other information provided on the pages, or for any actions taken in reliance on any such data or information.

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​Annuities


Fixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 10 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.

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​Alt Investments

Investing in alternative assets involves higher risks than traditional investments and is suitable only for sophisticated investors. Alternative investments are often sold by a prospectus that discloses all risks, fees, and expenses.  They are not tax-efficient, and an investor should consult with his/her tax advisor prior to investing. Alternative investments have higher fees than traditional investments and they may also be highly leveraged and engage in speculative investment techniques, which can magnify the potential for investment loss or gain and should not be deemed a complete investment program. The value of the investment may fall as well as rise and investors may get back less than they invested.

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​Asset Allocation does not guarantee a profit or protect against a loss in a declining market.  It is a method used to help manage investment risk.

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​Exchange Traded Funds (ETF’s) are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.​

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In explanation of comments regarding Tim Clairmont’s international recognition by industry leaders - Tim has been asked to speak and has received accolades for speaking to financial planning and insurance professional audiences in the Philippines, India, Africa, the UK, Australia, and China.

 

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