Excel in Retirement: Financial Stewardship for Lasting Confidence

22. How could the Iran War impact your finances?

Thu, 28 May 2026 16:00:20 +0000

This episode explores the current economic climate, focusing on inflation, energy prices, and investment strategies to protect your finances. David Treece shares insights on market opportunities, risk management, and practical steps for financial resilience amid global uncertainties.

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Chapters

00:00 Introduction to Financial Concerns

01:00 Understanding Inflation and Its Impact

04:36 Strategies for Managing Financial Worries

08:18 Avoiding Lazy Money and Investment Strategies

12:03 Opportunities in an Inflationary Environment

21. What to avoid in a financial advisor

Fri, 22 May 2026 18:00:35 +0000

In this episode, David discusses how to identify good and bad characteristics in financial advisors, emphasizing transparency, communication, and client-focused advice. You’ll learn how to make informed decisions when choosing a financial advisor to ensure your financial goals are met effectively.

00:00 Understanding Financial Advisors' Compensation

02:57 Recognizing Urgency and Pressure in Financial Decisions

06:05 The Importance of Communication in Financial Advisory

09:02 Navigating the Transition from Accumulation to Distribution

12:02 Proactivity in Financial Planning and Adjustments

14:57 Setting and Achieving Client Goals

17:57 The Evolution of Financial Advising

21:05 Client Experiences and Testimonials

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20. What could happen if taxes go up?

Fri, 08 May 2026 07:00:32 +0000

In this episode we explore the potential impact of significant tax increases on individuals' work, spending, and investment strategies. David offers practical advice on preparing for future tax scenarios and managing personal finances effectively.

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Contact David at: hello@clientsexcel.com

Chapters

00:00 Introduction to Future Financial Scenarios

01:00 Impact of Increased Taxes on Work and Spending

04:02 The Importance of Growing Your Money

05:49 Practical Steps for Tax Preparation

10:04 Understanding National Debt and Its Implications

12:00 Strategies for Reducing Debt and Tax Burden

https://www.wsj.com/economy/u-s-debt-tops-100-of-gdp-81c013d7?st=44jh1F

19. The BEST time to make financial decisions

Fri, 01 May 2026 07:00:53 +0000

David shares crucial insights on avoiding common pitfalls in financial decision-making, especially around timing. Topics include hasty decisions, sudden wealth, and market timing, providing practical advice to make wiser choices for long-term financial health.

00:00 Introduction to Financial Wisdom

04:05 The Dangers of Hasty Decisions

07:57 Navigating Sudden Wealth

12:55 The Pitfalls of Timing the Market

21:43 Conclusion and Key Takeaways

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18. When NOT to make financial decisions

Fri, 24 Apr 2026 15:00:27 +0000

In this episode, David shares crucial insights on avoiding common pitfalls in financial decision-making, especially around timing. Topics include hasty decisions, sudden wealth, and market timing, providing practical advice to make wiser choices for long-term financial health.

00:00 Introduction to Financial Wisdom

04:05 The Dangers of Hasty Decisions

07:57 Navigating Sudden Wealth

12:55 The Pitfalls of Timing the Market

21:43 Conclusion and Key Takeaways

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17. How to avoid fear when investing (Part 2)

Thu, 16 Apr 2026 07:00:08 +0000

In this episode, David shares practical strategies to navigate market volatility, emphasizing the importance of planning, understanding market cycles, and managing emotional reactions to market downturns.

00:00 Introduction to Market Volatility

03:00 Understanding Market Timing and Emotional Decisions

06:07 The Importance of Financial Planning

09:01 Different Types of Money and Their Uses

11:53 Historical Perspective on Investing

14:55 Conclusion and Call to Action

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16. How to avoid fear when investing (Part 1)

Thu, 09 Apr 2026 13:00:33 +0000

In this episode, David Treece shares insights on managing market volatility with calmness and long-term planning, emphasizing the importance of faith, wisdom, and strategic management in investing for retirement.

00:00 Introduction to Market Volatility and Faith

00:30 David Treese's Perspective on Market Fluctuations

01:49 Experiencing Market Swings During COVID-19

02:44 Understanding Market Movements and Tidal Waves

03:35 The Stair-Step Pattern of Market Declines

04:04 Preparing for Black Swan Events and Market Surprises

05:02 Long-Term Outlook and Market Turmoil as Part of the Plan

06:16 The Roller Coaster Analogy and Managing Emotions

07:02 The Role of Facts and Managing Expectations

08:20 Income Planning and Managing Resources

09:12 Downside Focus in Retirement Planning

10:12 Client Communication During Market Downturns

11:12 The Importance of Planning and Coaching

12:43 Balancing Growth and Fixed Investments

13:38 The Reality of Market Guarantees and Volatility

14:34 Media Influence and Fear in Financial Markets

15:41 Discerning News and Managing Fear

16:44 Long-Term Perspective and Faith in the Future

17:40 Emotional Management and Rational Investing

19:27 The Importance of a Financial Plan and Income Strategy

20:48 Thinking Long-Term and Planning for the Harvest

21:25 Building Trust and Client Relationships

22:24 The Mission of Long-Term Stewardship

22:55 Closing Remarks and Encouragement to Seek Wisdom

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15. Who does YOUR advisor work for?

Wed, 01 Apr 2026 19:00:42 +0000

Today David shares the consumer’s advantages of working with an independent fiduciary versus a captive advisor, emphasizing faster access to innovative tools, simplified investing, and greater transparency. Learn how independence can benefit your financial strategy and ensure your interests are prioritized.

02:08 The Advantages of Independence in Financial Advisory

05:15 Simplifying Financial Complexity

10:03 Understanding Client Needs and Financial Literacy

12:43 Preparing for Financial Storms

15:35 The Pressure of Financial Advisory Roles

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14. How to talk to your heirs about your money (Part 3/3)

Thu, 19 Mar 2026 07:00:43 +0000

In our last episode of a three part series we discuss the importance of having open conversations with heirs about financial matters. You must understand and vet someone to take the role of financial advisor in guiding these discussions. You need very clear communication regarding assets, and updated beneficiary information. We also discuss logistical challenges in asset distribution and the essential documents needed for effective estate planning.

00:00 Introduction to Financial Planning for Heirs

05:41 Communicating Asset Information to Heirs

11:16 Logistical Challenges of Multiple Accounts

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13. How to talk to your heirs about your money (Part 2/3)

Thu, 12 Mar 2026 17:00:21 +0000

This is part two of three discussions on how to have open conversations about finances with your heirs. We discuss the need for clear communication regarding values, financial stability, and the intentional use of the inherited funds. We cover strategies for managing debt, investing in education, and fostering a culture of generosity. We also discuss why you should enjoy your wealth.

95% of people avoid financial conversations with heirs.
Having these conversations is an act of love.
Intentionality is key in financial planning.
Paying off high-interest debt is a priority for heirs.
Building an emergency fund is essential for financial stability.
Investing in education can yield long-term benefits.
Wealth gained hastily can dwindle quickly.
Encouraging generosity can create a lasting legacy.
Enjoying wealth while alive is important.
Establishing a support team for heirs is crucial.

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12. How to talk to your heirs about your money (Part 1/3)

Thu, 05 Mar 2026 17:00:13 +0000

Part 1 of 3 - Today we’re teaching you how to have necessary conversations with your heirs regarding finances and inheritance. The first conversation is a values-based discussion.

For help with your conversations with your heirs reach out to David at

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Chapters

01:04 Values-Based Discussions with Heirs

04:25 Savings, Discipline, and Financial Responsibility

07:21 Giving, Legacy, and Stewardship

11:19 The Importance of Gratitude and Planning

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11. Prosperity's Responsibility

Mon, 02 Mar 2026 19:00:45 +0000

In this episode of the Excel in Retirement podcast we discuss the evolving landscape of prosperity in America, the responsibilities that come with wealth, and the importance of educating future generations about financial stewardship. We emphasize the need for open conversations about money within families and the significance of planning for the future to ensure that wealth is passed down responsibly. The discussion also touches on the impact of inflation and the necessity of a visionary approach to financial planning.

Chapters

00:00 The Landscape of Prosperity in America

05:00 The Responsibility of Wealth

10:20 Educating the Next Generation

16:11 Navigating Difficult Conversations

22:47 Planning for Future Generations

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10. Is your Social Security broken?

Thu, 05 Feb 2026 08:00:47 +0000

Is Social Security going to survive? And if it does, what are the implications of claiming early versus waiting until full retirement age and the importance of coordinating benefits with a spouse, and the potential tax implications of social security income? You must have a comprehensive financial plan that includes considerations for Medicare to navigate the complexities of retirement benefits.

Get help from David by email at Hello@ClientsExcel.com

Takeaways

Age 62 is the first age to claim social security benefits.
Ida May Fuller exemplifies the unpredictability of social security.
Claiming social security early can lock in reduced benefits.
It's crucial to coordinate social security benefits with your spouse.
The widow's tax can significantly impact financial planning.
Having a diverse income strategy is essential for retirement.
Understanding social security rules can prevent financial pitfalls.
Maximizing benefits at age 70 is critical for financial security.
Medicare plays a vital role in retirement planning.
Professional guidance can help navigate social security complexities.

Chapters

00:00 Introduction to Retirement Planning

01:02 Understanding the Importance of Age 62

10:01 Navigating Social Security Benefits

18:05 Maximizing Benefits at Age 70

21:59 The Role of Medicare in Retirement

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9. Five ways to keep more of your money

Thu, 29 Jan 2026 08:00:49 +0000

Today you’ll learn simple and actionable strategies for keeping more of your money. They include the importance of staying calm during market fluctuations, prioritizing debt repayment, exercising due diligence in financial decisions, adopting a long-term investment philosophy, and engaging in proactive tax planning.

To get help with these issues contact David at Hello@ClientsExcel.com

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8. Taking the fear out of your Medicare decisions

Fri, 23 Jan 2026 07:48:14 +0000

Medicare can be very confusing, and it also has an immense impact on your retirement. In today's episode, we take the fear out of making Medicare decisions as we discuss timely enrollment, the various parts of Medicare (A, B, D), and the potential costs associated with different plans. David emphasizes the need for informed decision-making and the role of financial advisors in navigating Medicare options to ensure individuals make the best choices for their healthcare needs in retirement.

Medicare is essential for those over 65 and requires timely enrollment.
Part A covers hospital stays, while Part B covers outpatient care.
Part D is necessary for prescription drug coverage, regardless of current medication use.
Failing to enroll in Medicare on time can lead to lifelong penalties.
Choosing the right Medicare plan can lead to better coverage and lower costs.
Understanding income limits is crucial as they affect Medicare premiums.
It's important to start planning for Medicare well before turning 65.
Consulting with a financial advisor can help navigate Medicare complexities.
Independent advisors can provide unbiased advice on Medicare options.
Making Medicare decisions in isolation from other financial matters can be detrimental.

If you need help making Medicare decisions, reach out to David by emailing hello@clientsexcel.com.

Chapters

00:00 Understanding Medicare: An Overview

02:46 The Importance of Timely Enrollment

05:46 Navigating Medicare Costs and Coverage

08:50 Making Informed Decisions About Medicare

11:56 The Role of Financial Advisors in Medicare Planning

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7. Seven paths to more financial freedom

Fri, 16 Jan 2026 08:00:17 +0000

We can create our own freedom through wise financial decisions, by overcoming fear and worry related to money, and gain control over one's financial future. You’ll learn about different paths to freedom including the significance of being debt-free, the implications of over-taxation, the value of leisure, and the power of generosity in creating a fulfilling life.

To take proactive steps towards achieving financial peace and autonomy reach out to David at Hello@ClientsExcel.com

Chapters

03:04 Understanding the Nature of Worry

05:54 Freedom from Fear and Mental Weight

08:55 The Importance of Control and Autonomy

11:57 Navigating Over-Taxation

14:54 The Benefits of Being Debt-Free

17:54 Embracing Leisure and Enjoyment

21:00 The Power of Generosity

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6. What if we are in a market peak?

Fri, 09 Jan 2026 08:00:29 +0000

What are the implications of AI on investment strategies, and the importance of financial stewardship and legacy planning in uncertain economic times? We explore the psychology behind market behavior, the necessity of diversification, and strategies for preparing for market volatility as you approach retirement.

To contact David email Hello@ClientsExcel.com

02:57 The Impact of AI on Market Dynamics

05:57 Job Displacement and Economic Concerns

08:58 Stewardship and Legacy Planning

11:53 The Importance of Diversification

14:48 Stability in Retirement Planning

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5. Maximizing Low Interest Rates & Avoiding Lazy Cash

Fri, 26 Dec 2025 08:00:52 +0000

What should we be doing in light of rising and lowering interest rates? And how can we avoid 'lazy money'—funds that are not actively earning interest or being utilized effectively. Today Davide teaches about the importance of having a strategy for managing cash to avoid complacency and ensure that money is working towards financial goals.

Contact him at Hello@ClientsExcel.com

Takeaways

If we get more than a year of bill paying money, we've got lazy money.

We want to be cognizant of lazy money to put it to work.

There are reasons for having money in cash, but it shouldn't be complacent.

Having a methodology for managing money is crucial.

Money should not just sit aimlessly; it should be utilized effectively.

Understanding the implications of lazy money can lead to better financial decisions.

Active management of cash can enhance financial growth.

Investing is essential to avoid the pitfalls of lazy money.

A good interest rate is important for cash management.

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4. How to buy good cars and still build your wealth

Thu, 18 Dec 2025 08:00:46 +0000

This conversation explores the increasing trends in car loans and average car payments in America, highlighting significant statistics and insights into the auto industry.

Takeaways

The average new car loan amount has exceeded $41,000.

Car payments for new vehicles increased by 2% in 2025.

The least car payments went up by 4%.

Listeners are prompted to guess the average car payment in 2025.

The highest average car payment is $749.

The discussion includes comparisons to mortgage costs.

LendingTree.com provides verified statistics on car payments.

The conversation reflects on financial trends in the auto industry.

Understanding these trends is crucial for consumers making purchasing decisions.

The data indicates a shift in consumer spending on vehicles.

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3. Why 59 ½ matters and what you need to do about it

Fri, 12 Dec 2025 08:00:41 +0000

In this episode we discuss the critical age of 59 and a half in retirement planning. We explore the implications of this age, including making changes that benefit from a tax perspective. The conversation also covers the importance of proactive financial stewardship, understanding penalties for early withdrawals, and strategies for tax-efficient retirement planning. David emphasizes the need for you to take control of your financial future and make informed decisions as you approach retirement.

Takeaways

Age 59 and a half is a pivotal point in retirement planning.

In-service transfers allow for more investment options without tax penalties.

Understanding penalties for early withdrawals is crucial for financial planning.

Proactive stewardship is essential as retirement approaches.

Diversifying tax strategies can lead to better financial outcomes in retirement.

It's important to start making projections about retirement income early.

Every little bit of proactive financial action matters.

You can control your financial future by being informed and engaged.

The government may raise taxes in the future, making current tax strategies important.

Feeling behind in retirement planning is common, but it's never too late to start.

Chapters

00:00 Introduction to Retirement Planning

01:07 The Significance of Age 59 and a Half

05:25 Understanding Penalties and Withdrawals

10:57 Proactive Financial Stewardship

14:16 Tax Strategies for Retirement

19:26 Encouragement for Those Feeling Behind

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2. The Three Enemies of Financial Stewardship (Part 2)

Fri, 21 Nov 2025 17:05:07 +0000

The episode on "Stewardship" is the second part of a series focusing on the challenges that make responsible financial management difficult. We discuss the three worst stewards of our money: the Government, American culture, and ourselves.

The first opponent is the Government, which is notoriously fiscally irresponsible. With the national debt approaching $37 trillion, the government is essentially operating on a "high interest credit card". This lack of stewardship mandates that individuals take control of their future tax burden. Specifically, the episode highlights that due to historically low tax rates (a result of the 2017 Tax Cuts and Jobs Act), clients have a crucial window to systematically convert tax-deferred accounts (like 401ks and IRAs) to tax-free Roth accounts before anticipated future tax increases occur.

The second challenge is American culture, which constantly markets to consumers, destroying long-term fiscal outlooks. The focus is on combating planned obsolescence (products, like smartphones and appliances, designed to break quickly) and perceived obsolescence (being told something is old when it still works). The solution involves discipline, avoiding lifestyle creep, and consciously choosing to purchase high-quality items that prove cheaper in the long run.

The final challenge is Ourselves, stemming from a lack of financial education and the inherent human desire to spend now. To overcome this, the fundamental step is creating a budget and tracking expenses, because "you can't improve what you don't track". The ultimate goal of good stewardship is to maximize the potential of every dollar and utilize a holistic approach to planning to achieve peace of mind.

Learn the key ages that you need to be prepared for and maximize in retirement by getting out free guide to retirement ages at

http://www.ClientsExcel.com/ages

Roth Disclosure:

Please remember that converting an employer plan account to a Roth IRA is a

taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including (but not limited to) a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.

1. Generational Stewardship (Part 1) and the three roles of money

Fri, 21 Nov 2025 17:00:05 +0000

Learn the key ages that you need to be prepared for and maximize in retirement by getting out free guide to retirement ages at

http://www.ClientsExcel.com/ages

The episode on stewardship introduces our podcast's mission: to help good people make wise financial decisions so they can excel in retirement and achieve peace of mind. Stewardship is not merely as money management, but a proactive approach to managing the time, skills, and money that have been entrusted to us.

The episode also provides a key blueprint for good stewardship using the "Three Roles of Money" framework. This involves segmenting assets into:

Green Money: Liquid bank funds needed for emergencies (ideally six to nine months of expenses).
Blue Money: Stable assets designated for short-term income needs over the next decade, used for drawdown and stability.
Red Money: Market and growth money, allocated to the stock market to serve as a hedge against inflation and protect purchasing power over the long term.

The episode utilizes Biblical wisdom to reinforce the need for planning and action, noting that those who fail to grow their resources are rebuked, like the person who buried their treasure.You need to have a specific plan, echoing the Scripture about a builder who must first estimate the cost before laying the foundation. Luke 14: 28-30.

Finally, good stewardship extends to generosity, urging listeners to be "rich in good deeds, and be generous and willing to share".

Learn the key ages that you need to be prepared for and maximize in retirement by getting out free guide to retirement ages at

http://www.ClientsExcel.com/ages