Time Vs Money – Which one is more important?

Jun 15, 2023 | Podcast

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Important Disclosures

Check the background of Tim Clairmont on FINRA’s BrokerCheck.

Securities offered through ClearFP® Securities, LLC, member FINRA and SIPC. Insurance services offered through Clear Financial Partners®, Inc., ClearFP® Advisors, and/or ClearFP® Life, LLC.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
Certified Financial Planner Board of Standards Inc., owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and federally registered CFP® in the U.S., which it awards to individuals who successfully complete initial and ongoing certification requirements.

Registered representatives and investment advisor representatives may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed until appropriate registration is obtained or exemption from registration is determined. Not all of the services referenced on this site are available in every state and through every advisor listed. For additional information, please contact Clear Financial Partners, Inc. at (503) 579-1000.

IMPORTANT CONSUMER INFORMATION

A broker-dealer, BD agent, or registered representative may only transact business in a state if first registered, or if it is excluded or exempt from state broker/dealer or registered representative registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion.

Links are provided as a convenience and are for informational purposes only. These links are not a part of the Something Smart About Money website nor are they monitored by Something Smart About Money, Tim Clairmont, ClearFP IP, LLC, ClearFP Securities, LLC, Clear Financial Partners, Inc. or any of its affiliates. 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 website. 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.

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.

Alternative 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.

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.

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.

*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.

ClearFP® IP, LLC owns the federally registered trademarks ClearFP® and Clear Financial Partners® in the United States, Canada, and the U.K as well as derivative trademarks including but not limited to ClearFP® Mission™, ClearFP® Securities, ClearFP® Appreciation Events™, etc. Copyright ClearFP® IP, LLC. 2023

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