Timothy D. Clairmont, CFP, MSFS, is a 13-year MDRT member with one Court of the Table and 12 Top of the Table honors. Clairmont, from Lake Oswego, Oregon, began his career by founding Clear Financial Partners Inc., a holistic planning business serving pre-retirees and the recently retired in the Pacific Northwest. He then pioneered the concept of the ClearFP Clock, which he turned into a globally available, free, education app for advisors and clients. He also founded an international practice development company, designed the ClearFP Advisor Program and launched a nationwide insurance organization, ClearFP Life, to help advisors create a cost-of-living adjustment for their clients.