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ClearPath Wealth Strategies

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Frisco, TX
ClearPath Wealth Strategies

ClearPath Wealth Strategies provides quality financial strategies, and offers financial products. We are not licensed in all jurisdictions.

CEO Trevor Houston, President Mark Elder, along with Darnell Johnson are Financial Services Professionals offering securities products and services through NYLIFE Securities LLC (Member FINRA/SIPC), a Licensed Insurance Agency and New York Life Company. They are also licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies. Trevor Houston | CA Insurance License #4115650 Mark Elder | CA Insurance License | Darnell Johnson AR Insurance License #19479700

Neither ClearPath Wealth Strategies LLC, nor New York Life Insurance Company, nor its agents, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. ClearPath Wealth Strategies LLC is not owned or operated by New York Life Insurance Company or its affiliates. Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success.

2600 Network Blvd. Ste. 130 Frisco, TX 75034
Office: (972) 377-5222
Cell: (214) 585-1934
Email: [email protected]
Website URL: https://www.clearpathwealthstrategies.com

10/13/2026

A high-paying career can still make you feel broke.

Not financially.

Personally.

Some roles offer the title, the salary, and the status people spend years chasing.

But they may also cost you:

Your health.
Your relationships.
Your identity.
Your ability to ever truly switch off.

I recently shared my perspective in an article (featured in The Independent) examining high-paying careers where the personal cost can outweigh the professional reward.

What I’m noticing now is that more people are beginning to redefine success.

They’re no longer asking only:

“How much does this job pay?”

They’re also asking:

“What is this career costing me?”

That question matters.

Because a bigger salary can slowly become a trap when your entire lifestyle depends on it.

You know the role is wearing you down.
You know the pressure is affecting your family.
You know you want something different.

But leaving feels impossible because your expenses have grown around the income.

That’s what I call the golden handcuff effect.

The paycheck gives you freedom on paper while quietly taking freedom from your actual life.

This does not mean senior leadership, consulting, law, banking, or other demanding careers are automatically bad.

For the right person, they may be deeply rewarding.

But compensation should never be evaluated without sustainability.

Before pursuing the next promotion or higher-paying role, ask:

- Can I sustain the demands?
- What will this require from my health?
- What will my family experience?
- Does this career support the life I want, or replace it?

Your career is important.

But it should remain one part of your life.

Not the entire thing.

Read the full story here: https://lnkd.in/duQWju5x

10/06/2026

I don't believe retirement should feel like a lifetime of saying "no."

In fact, when someone asks me how to build a retirement budget, my answer usually surprises them.

It shouldn't feel like punishment.

I recently shared this perspective in an article featured in GOBankingRates, AOL, and MSN, discussing what retirees should consider stopping after age 65.

The goal isn't to spend less.

The goal is to spend with intention.

Over the years, our finances tend to collect layers.

- Monthly subscriptions.

- Memberships we forgot about.

- Extra vehicles we rarely drive.

- Homes that require more time, money, and maintenance than they once did.

None of these expenses are necessarily bad.

But together, they create financial clutter.

Before making any changes, I encourage people to ask one simple question:

What matters most to me at this stage of life?

Once you have that answer, the financial decisions become much easier.

Instead of asking: "What should I cut?"
Ask: "Does this expense support my health, my freedom, or the people I love?"

If the answer is yes, keep it.

If not, maybe it's time to let it go.

Retirement isn't about accumulating more.

It's about creating space for what matters most.

Read the full article here: https://www.gobankingrates.com/retirement/planning/financial-advisors-what-retirees-stop-buying-after-65/?utm_source

09/29/2026

Getting laid off can make you question everything.

Your career.
Your decisions.
Sometimes even your value.

But one of the most important things to remember is this:

Your role ended. Your value did not.

I recently shared my perspective in an article (featured in Independent) about how to navigate the days and weeks after a layoff.

My first advice?

Protect your mental and emotional health.

Go for a walk.
Work out.
Learn something new.

Spend time with people who remind you who you are outside of your job title.

And while you are processing what happened, protect something else too:

Your reputation.

It can be tempting to vent publicly, confront former colleagues, or post an emotional response immediately.

But the world is much smaller than most people realize.

The bridge you burn today may lead to an opportunity you need tomorrow.

So pause before posting.

Document your accomplishments.

Collect your performance reviews and professional records.

Understand your severance and benefits.

Then ask yourself a more useful question than:

“How quickly can I find another job?”

Ask:

“What do I want my next role to give me that the last one did not?”

A layoff is painful.

But it can also create space to reconsider what fits you now.

Do not let one company’s decision become your definition of your worth.

Recover first.

Reflect honestly.

Then make your next move from confidence not panic.

Read the full article here: https://www.independent.co.uk/us/money/layoff-expert-advice-job-market-b2984533.html

09/15/2026

One of the biggest misconceptions about retirement is that confidence comes from having a certain dollar amount saved.

In reality…

I've met retirees with substantial savings who still worry every month.

And I've met others with far less who sleep well at night.

The difference usually isn't the balance in the account.

It's the clarity of the plan.

I recently shared this perspective in an article (featured in MSN and MarketWatch) about a retired teacher who had built nearly $800,000 in savings but still felt like she was living month to month.

My advice wasn't to chase higher investment returns.

It was to create certainty.

Start by asking:

- How much of my essential spending is already covered by guaranteed income?

- Where are the gaps?

- Does the rest of my portfolio provide both protection today and flexibility for tomorrow?

Retirement planning isn't about eliminating every uncertainty.

It's about reducing the uncertainties you can control.

That's one of the biggest benefits of working with an advisor.

Not because they have a magic product.

But because they can help you avoid costly mistakes, ask the right questions, and create a plan that aligns with the life you want to live.

The goal isn't simply to have more money.

The goal is to feel more confident about the money you've already worked so hard to build.

What gives you more peace of mind in retirement—having more savings, or having a clearer plan?

Read the full article here: https://www.msn.com/en-us/money/personalfinance/i-don-t-want-to-live-month-to-month-i-m-a-retired-teacher-68-with-800k-saved-but-i-live-in-an-expensive-state-help/ar-AA1RW7Ig

09/08/2026

One of the hardest moments in retirement planning is when something doesn't make sense.

A retirement account balance looks wrong.

Statements stop arriving.

You begin wondering whether years of hard work have somehow disappeared.

I recently shared my thoughts in an article featured in MarketWatch and MSN, about a couple facing exactly that situation.

My advice wasn't to panic.

It was to pause.

Too often, people assume the worst before they have the full picture.

But retirement assets don't simply disappear.

If something looks wrong, ask questions.

Call HR.

Contact the retirement plan provider.

Request documentation.

Follow the paper trail.

As I shared in the article:

"Let's go find it."

That same principle applies beyond a missing 401(k).

When retirement feels uncertain, your first priority shouldn't be making dramatic financial decisions.

It should be creating clarity.

That's why I often tell people to focus on two things:

• Stabilize your finances.

• Simplify your financial life.

Understand where every dollar is.

Reduce unnecessary complexity.

Know your options before making permanent decisions.

Financial confidence doesn't come from having all the answers immediately.

It comes from taking the next right step.

Sometimes the most valuable thing you can do isn't finding a new strategy.

It's finding the information you already deserve to have.

08/25/2026

One of the biggest retirement mistakes isn't making bad investment decisions.

It's making life more complicated than it needs to be.

I recently shared this perspective in an article (featured in Yahoo Finance, AOL, and GOBankingRates) discussing how retirees are finding smarter ways to stretch their retirement savings.

One strategy that often gets overlooked?

Simplifying what you've already built.

After working for decades, it's common for people to have retirement accounts scattered across multiple employers.

Old 401(k)s.

Forgotten accounts.

Different investment platforms.

Different fees.

Different paperwork.

Consolidating those accounts, when it makes sense for your situation, can make retirement easier to manage and reduce the chances of losing track of part of your savings.

But that's only one piece of the puzzle.

Retirement isn't just about having enough money.

It's about creating a plan that supports the life you want to live.

That includes:

- Creating reliable retirement income

- Keeping part of your portfolio positioned for long-term growth

- Staying healthy to help reduce future healthcare costs

Often, the smartest retirement strategies aren't the most complicated.

They're the ones that bring clarity.

Because the less time you spend managing financial clutter…

The more time you can spend enjoying retirement.

What's one financial task you've been putting off that would simplify your life?

PS: Read the full article here: https://www.gobankingrates.com/retirement/planning/financial-experts-clever-ways-boomers-are-saving-money-in-retirement/

08/18/2026

One of the biggest misconceptions about changing careers after 50 is that you have to start over.

You don't.

In fact, the people who make the most successful career transitions usually do the exact opposite.

I shared this perspective in an article featured in DailyMail.com, discussing high-paying second careers for professionals over 50.

One point I emphasized was this:

The most successful career changes aren't random job moves. They're leveraged moves.

Think about everything you've built over the last 20 or 30 years:

- Leadership

- Communication

- Industry expertise

- Problem-solving

- Relationships

Those aren't things you leave behind.

They're the reason someone hires you.

That's why many professionals successfully transition into consulting, project management, sales leadership, financial advising, and business advisory roles.

They're not starting from zero.

They're building on decades of experience.

Too often, people underestimate the value of what they've already learned because it feels ordinary to them.

But to someone else?

That experience solves expensive problems.

Your next career doesn't need to erase your first one.

It should capitalize on it.

If you're considering a career pivot, ask yourself this:

How can I leverage what I already know instead of trying to reinvent myself?

PS: Read the full article here:

https://www.dailymail.com/yourmoney/article-15789413/second-careers-americans-experience-earnings.html

08/11/2026

A $40,000 car in retirement isn’t a spending decision.

It’s a tax decision.

I shared this perspective in features with MarketWatch and MSN and it’s a question more retirees are asking:

“Which account should I use?”

Because once the paycheck stops, the game changes.

It’s no longer about:

“Can I afford this?”

It’s about:

“What does this decision do to my future?”

I’ve seen situations like this often:

- $1M+ in IRAs
- Brokerage accounts
- Roth accounts growing tax-free

And then comes a simple purchase:

A $40K car.

Seems straightforward.

But it isn’t.

Because where you take that $40K from can impact:

- Your future tax bill
- Your portfolio longevity
- Your flexibility later in retirement

For example:

Pulling from a Roth IRA might feel easy (no taxes today)

But that money was growing tax-free.

Once it’s gone, it’s gone.

On the other hand:

A brokerage account may create capital gains.

An IRA withdrawal may increase taxable income.

So the real question becomes:

What’s the long-term trade-off?

Even financing, something many retirees avoid, can sometimes make sense.

Not because debt is “good,”

But because preserving your portfolio and managing taxes matters more.

The takeaway isn’t “always do X.”

It’s this:

At this stage, every financial decision is connected.

And the smartest move is understanding the impact before the action.

Read the full article here: https://lnkd.in/gpwvUGYe

08/04/2026

The biggest retirement mistake?

Treating Social Security like a guarantee.

I was recently featured in GOBankingRates, inkl, Yahoo Finance, and AOL, discussing how each generation should approach Social Security in their retirement plan.

Here’s the reality:

Social Security is important.

But it should never be the foundation.

For Gen Z and Millennials, I wouldn’t build around it at all.

Focus on what you can control: saving, investing, building multiple income streams.

When you build assets, you build confidence.

When you rely solely on programs, you build uncertainty.

For Gen X, things get more serious.

You’re close enough to retirement that changes matter.

Benefits could be delayed. Adjusted. Taxed differently.

Plan conservatively.

Treat Social Security as a supplement, not your primary engine.

For Baby Boomers, it’s often a meaningful piece of income.

But strategy still matters.

When you claim.
How it coordinates with other income.
How it impacts your taxes.

I’ve seen people lose thousands simply by rushing that decision.

Every generation faces a different retirement reality.

But the principle stays the same:

Social Security should support your plan.

It should not be your plan.

07/23/2026

For years, we treated college like the default answer.

Not an option. The option.

But more parents are starting to question whether that assumption still makes sense.

I recently shared this perspective in articles featured in Fortune, MSN, and inkl:

"Parents are waking up. College doesn't carry the same ROI it once did because the cost is outrageous, and the outcome is uncertain."

That doesn't mean college has no value.

It absolutely does.

For many careers, it's still the right path.

But what has changed is the idea that every student should follow the same roadmap.

Today, parents are looking at:

- Rising education costs

- Uncertain hiring markets

- Growing student debt

- Skills-based careers with strong demand

And they're asking a different question.

Not: "Should my child go to college?"

But: "What's the best path for my child?"

Trade schools.
Apprenticeships.
Certifications.
Technical training.
Skills-first careers.

These are no longer backup plans.

They're legitimate pathways to meaningful careers, financial stability, and long-term success.

The future belongs to people who develop valuable skills.

The method they use to get there is becoming increasingly flexible.

If you were advising a teenager today, would college still be your default recommendation?

PS: Read the full story here: https://fortune.com/article/trade-school-vs-college-parents-job-market/

Address

2600 Network Boulevard, Ste 130
Frisco, TX
75034

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm

Website

https://www.clearpathwealthstrategies.com/

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