Adviser using time in the US to break bank (7)

I believe the answer is:

tipster

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'adviser' is the definition.
(I know that tipster is a type of adviser)

'time in the us to break bank' is the wordplay.
'time in the us' becomes 'pst' (I can't explain this - if you can you should believe this answer much more).
'to break' is an insertion indicator (inserted letters break into the word).
'bank' becomes 'tier' (both can mean a row of similar things).
'pst' placed inside 'tier' is 'TIPSTER'.

'using' acts as a link.

Can you help me to learn more?

(Other definitions for tipster that I've seen before include "Racing tout" , "I have a horse" , "Supposed expert on horses" , "Person offering advice" , "Betting pundit" .)

I've seen this clue in The Guardian.

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