RedCircle VERIFY_TOKEN_45d01dc8-41d4-40d5-b62d-bda0cf250bea -- Rendered At Thu, 01 Oct 2026 15:10:49 +0000 Excel in Retirement: Financial Stewardship for Lasting Confidence https://redcircle.com/shows/excel-in-retirement-financial-stewardship-for-lasting-confidence en-US All rights reserved. David Treece Financial planner David Treece helps you become a better steward of your finances so you can excel in retirement. By following David’s advice, you can experience greater peace of mind and confidence about your financial future. David’s key framework is called the “Three Roles of Money,” a simple way to understand how each dollar in your plan should work for you. Reach out to David at ClientsExcel.com or call 864 641 7955 so he can help you excel in retirement. 45d01dc8-41d4-40d5-b62d-bda0cf250bea Financial planner David Treece helps you become a better steward of your finances so you can excel in retirement. By following David’s advice, you can experience greater peace of mind and confidence about your financial future.

David’s key framework is called the “Three Roles of Money,” a simple way to understand how each dollar in your plan should work for you.

Reach out to David at ClientsExcel.com or call 864 641 7955 so he can help you excel in retirement.

]]> episodic no David Treece hello@clientsexcel.com false full 36. Why do people work with Clients Excel? 36. Why do people work with Clients Excel? David Treece Today David shares his unique approach to financial planning, emphasizing the importance of trust, simplicity, and community in retirement planning. Discover how his color-coded money system and focus on long-term relationships can help you achieve confidence and clarity in your financial future.


00:00 Introduction and episode overview

02:15 The difference between retirement planning and investment management

04:02 The interconnectedness of financial decisions

06:19 The color-coded money system explained

09:01 The importance of simplicity and clear communication

11:24 Trust, verification, and building confidence

13:07 Creating community and ongoing support in retirement

16:19 The power of brand consistency and trust

20:03 The importance of being there for clients throughout retirement

22:30 What Clients Excel really means


Google Reviews for David Treece  

https://www.google.com/search?q=clients+excel+reviews


Excel and Retirement Newsletter

https://www.excelinretirement.com


Reach out to David

hello@clientsexcel.com


Investment advisory services offered through CreativeOne Wealth, LLC, a Registered Investment Adviser. Clients Excel and CreativeOne Wealth are unaffiliated entities. We are not affiliated with or endorsed by any government agency and do not provide tax or legal advice.

Licensed Insurance Professional. This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. 

Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company


]]> <p>Today David shares his unique approach to financial planning, emphasizing the importance of trust, simplicity, and community in retirement planning. Discover how his color-coded money system and focus on long-term relationships can help you achieve confidence and clarity in your financial future.</p><p><br></p><p>00:00 Introduction and episode overview</p><p>02:15 The difference between retirement planning and investment management</p><p>04:02 The interconnectedness of financial decisions</p><p>06:19 The color-coded money system explained</p><p>09:01 The importance of simplicity and clear communication</p><p>11:24 Trust, verification, and building confidence</p><p>13:07 Creating community and ongoing support in retirement</p><p>16:19 The power of brand consistency and trust</p><p>20:03 The importance of being there for clients throughout retirement</p><p>22:30 What Clients Excel really means</p><p><br></p><p><strong>Google Reviews for David Treece  </strong></p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p><br></p><p><strong>Excel and Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com/" rel="nofollow">https://www.excelinretirement.com</a></p><p><br></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p><p><br></p><p>Investment advisory services offered through CreativeOne Wealth, LLC, a Registered Investment Adviser. Clients Excel and CreativeOne Wealth are unaffiliated entities. We are not affiliated with or endorsed by any government agency and do not provide tax or legal advice.</p><p>Licensed Insurance Professional. This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. </p><p>Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company</p><p><br></p> d0482cc5-99a6-463b-99c0-a769ae673e05 https://www.clientsexcel.com/ Fri, 11 Sep 2026 07:00:27 +0000 1444 false full 35. What Happens to us when we stop trusting Government & Media? 35. What Happens to us when we stop trusting Government & Media? David Treece In this episode, David Treece discusses the importance of trust in financial decision-making, the impact of leadership failures on public trust, and introduces the BLESSED framework to help you assess and improve your financial health and planning.

The BLESSED Retirement Framework

B — Budget
What will retirement actually cost?

L — Legacy
What do you want to leave behind?

E — Estate Planning Strategies
Is everything structured the way you want it?

S — Social Security
When and how should you claim?

S — Savings & Investments
How should your assets be positioned for retirement?

E — Earnings & Income
Where will your retirement income come from?

D — Dream Retirement
What are you actually retiring to?


Key points: 

  • The decline of trust in government and media
  • Leadership failures like Watergate and the financial crisis
  • The importance of transparency and integrity in finance
  • The blessed framework for comprehensive financial planning
  • Steps to help overcome cynicism and make informed decisions


Google Reviews for David Treece  

https://www.google.com/search?q=clients+excel+reviews


Excel In Retirement Newsletter

https://www.excelinretirement.com


Reach out to David

hello@clientsexcel.com


Links from the episode

]]> <p>In this episode, David Treece discusses the importance of trust in financial decision-making, the impact of leadership failures on public trust, and introduces the BLESSED framework to help you assess and improve your financial health and planning.</p><p><strong>The BLESSED Retirement Framework</strong></p><p>B — <strong>Budget
</strong>What will retirement actually cost?</p><p>L — <strong>Legacy</strong>
What do you want to leave behind?</p><p>E — <strong>Estate</strong> Planning Strategies
Is everything structured the way you want it?</p><p>S — <strong>Social Security</strong>
When and how should you claim?</p><p>S — <strong>Savings</strong> &amp; Investments
How should your assets be positioned for retirement?</p><p>E — <strong>Earnings</strong> &amp; Income
Where will your retirement income come from?</p><p>D — <strong>Dream Retirement</strong>
What are you actually retiring to?</p><p><br></p><p><strong>Key points: </strong></p><ul><li>The decline of trust in government and media</li><li>Leadership failures like Watergate and the financial crisis</li><li>The importance of transparency and integrity in finance</li><li>The blessed framework for comprehensive financial planning</li><li>Steps to help overcome cynicism and make informed decisions</li></ul><p><br></p><p><strong>Google Reviews for David Treece  </strong></p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p><br></p><p><strong>Excel In Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com/" rel="nofollow">https://www.excelinretirement.com</a></p><p><br></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p><p><br></p><p><strong>Links from the episode</strong></p><ul><li><strong>Pew Research Center (Public Trust in Government 1958–2024):</strong><a href="https://www.pewresearch.org/politics/2024/06/24/public-trust-in-government-1958-2024/" rel="nofollow"> https://www.pewresearch.org/politics/2024/06/24/public-trust-in-government-1958-2024/</a></li><li><strong>Gallup Historical Tracking (Confidence in Institutions &amp; Media):</strong><a href="https://news.gallup.com/poll/1597/confidence-institutions.aspx" rel="nofollow"> https://news.gallup.com/poll/1597/confidence-institutions.aspx</a></li><li><strong>Bureau of Labor Statistics (BLS Benchmark Revisions Analysis):</strong><a href="https://www.google.com/search?q=https%3A%2F%2Fwww.bls.gov%2Fweb%2Fempsit%2Fcesprelmod.htm" rel="nofollow"> https://www.bls.gov/web/empsit/cesprelmod.htm</a></li><li><strong>Proverbs 21:20 (Principles of Reserve &amp; Stewardship):</strong><a href="https://www.biblegateway.com/passage/?search=Proverbs+21%3A20&version=NIV" rel="nofollow"> https://www.biblegateway.com/passage/?search=Proverbs+21%3A20&amp;version=NIV</a></li><li><strong>Georgia Man arrested for Ponzi scheme</strong></li><li><a href="https://www.justice.gov/usao-ndga/pr/alleged-mastermind-165-million-cryptocurrency-ponzi-scheme-facing-federal-charges" rel="nofollow">https://www.justice.gov/usao-ndga/pr/alleged-mastermind-165-million-cryptocurrency-ponzi-scheme-facing-federal-charges</a></li></ul> 5b572a24-63bc-476e-8ea4-7c81dbb1fae9 https://www.clientsexcel.com/ Thu, 27 Aug 2026 07:00:02 +0000 1670 false full 34. Did you get a quality Social Security report? (Part 2) 34. Did you get a quality Social Security report? (Part 2) David Treece In this 2nd part of a series on Social Security, David Treece explores the complexities of Social Security, including how taxes, cost of living adjustments, and personal assets impact retirement planning. He emphasizes the importance of understanding your benefits and planning ahead to help you maximize your retirement income.


Google Reviews for David Treece  

https://www.google.com/search?q=clients+excel+reviews


Excel and Retirement Newsletter

https://www.excelinretirement.com


Reach out to David

hello@clientsexcel.com


Chapters

00:00 Introduction to Social Security and Retirement Planning

05:56 The Importance of a Social Security Report

07:03 Using SSA.gov and Navigating Benefits

08:05 Impact of Cost of Living and Inflation

09:00 Role of Assets and Budgeting in Retirement

10:06 Dreaming Bigger in Retirement and Lifestyle Planning

11:10 The Power of Responsible Forecasting and Planning

12:08 Market Volatility and Retirement Strategies

12:59 The Value of a Social Security Report and Personal Decisions

14:10 The Importance of Planning for the Unexpected

14:53 Controlling Perspective and Life Balance

15:59 Understanding Provisional Income and Tax Rules

17:05 The Evolution of Social Security Taxation

18:07 Strategies to Help Minimize Tax Impact on Benefits

19:09 How Long Does a Social Security Report Take?

20:07 The Value of Professional Guidance and Personalized Reports

20:55 Stories of Unexpected Benefits and Peace of Mind

22:02 The Potential Cost of Not Planning and Missing Opportunities

23:02 Encouragement to Take Action and Get Your Report

24:03 Final Thoughts and Invitation to Connect



Investment advisory services offered through CreativeOne Wealth, LLC, a Registered

Investment Adviser. Clients Excel and CreativeOne Wealth are unaffiliated entities. We are not

affiliated with or endorsed by the Social Security Administration or any other government

agency.

This material has been prepared for informational and educational purposes only. It is not

intended to provide, and should not be relied upon for, accounting, legal, tax or investment

advice. Investing involves risk, including the loss of principal. No Investment strategy can

guarantee a profit or protect against loss. Licensed insurance professional. Insurance and

annuity products are backed by the financial strength and claims-paying ability of the issuing

insurance company.


]]> <p>In this 2nd part of a series on Social Security, David Treece explores the complexities of Social Security, including how taxes, cost of living adjustments, and personal assets impact retirement planning. He emphasizes the importance of understanding your benefits and planning ahead to help you maximize your retirement income.</p><p><br></p><p><strong>Google Reviews for David Treece  </strong></p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p><br></p><p><strong>Excel and Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com/" rel="nofollow">https://www.excelinretirement.com</a></p><p><br></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p><p><br></p><p><strong>Chapters</strong></p><p>00:00 Introduction to Social Security and Retirement Planning</p><p>05:56 The Importance of a Social Security Report</p><p>07:03 Using SSA.gov and Navigating Benefits</p><p>08:05 Impact of Cost of Living and Inflation</p><p>09:00 Role of Assets and Budgeting in Retirement</p><p>10:06 Dreaming Bigger in Retirement and Lifestyle Planning</p><p>11:10 The Power of Responsible Forecasting and Planning</p><p>12:08 Market Volatility and Retirement Strategies</p><p>12:59 The Value of a Social Security Report and Personal Decisions</p><p>14:10 The Importance of Planning for the Unexpected</p><p>14:53 Controlling Perspective and Life Balance</p><p>15:59 Understanding Provisional Income and Tax Rules</p><p>17:05 The Evolution of Social Security Taxation</p><p>18:07 Strategies to Help Minimize Tax Impact on Benefits</p><p>19:09 How Long Does a Social Security Report Take?</p><p>20:07 The Value of Professional Guidance and Personalized Reports</p><p>20:55 Stories of Unexpected Benefits and Peace of Mind</p><p>22:02 The Potential Cost of Not Planning and Missing Opportunities</p><p>23:02 Encouragement to Take Action and Get Your Report</p><p>24:03 Final Thoughts and Invitation to Connect</p><p><br></p><p><br></p><p>Investment advisory services offered through CreativeOne Wealth, LLC, a Registered</p><p>Investment Adviser. Clients Excel and CreativeOne Wealth are unaffiliated entities. We are not</p><p>affiliated with or endorsed by the Social Security Administration or any other government</p><p>agency.</p><p>This material has been prepared for informational and educational purposes only. It is not</p><p>intended to provide, and should not be relied upon for, accounting, legal, tax or investment</p><p>advice. Investing involves risk, including the loss of principal. No Investment strategy can</p><p>guarantee a profit or protect against loss. Licensed insurance professional. Insurance and</p><p>annuity products are backed by the financial strength and claims-paying ability of the issuing</p><p>insurance company.</p><p><br></p> 2c12215b-3c4f-4065-9e7f-af61cd6d6a98 https://www.clientsexcel.com/ Thu, 20 Aug 2026 07:00:50 +0000 1556 false full 33. Did you get a quality Social Security report? (Part 1) 33. Did you get a quality Social Security report? (Part 1) David Treece In this first of two episodes, David Treece shares his insights on ways to help you optimize your Social Security benefits through detailed analysis and strategic planning. Learn how to make informed decisions that could significantly impact your retirement income and peace of mind.


Topics covered:

  • Social Security benefit calculation and optimization
  • Timing strategies for claiming Social Security
  • Impact of life expectancy and health on benefits
  • Spousal and survivor benefits coordination
  • Effect of potential Social Security solvency issues


Takeaways

  • Your Social Security benefit is a variable, not a fixed number, and can be optimized.
  • Claiming benefits early versus delaying can potentially result in thousands of dollars difference over a lifetime.
  • A personalized Social Security report can help you make more informed decisions.
  • Waiting until age 70 can increase your benefits by up to 24%.
  • You can write a check to reset your benefits if you claim early and then change your mind within the first year.
  • Coordinating benefits with your spouse can help you maximize your household income.
  • Understanding your full retirement age and the impact of claiming before or after it is crucial.
  • Future solvency issues may reduce Social Security benefits, so planning for potential cuts is wise.


Google Reviews for David Treece  

https://www.google.com/search?q=clients+excel+reviews


Excel and Retirement Newsletter

https://www.excelinretirement.com


Reach out to David

hello@clientsexcel.com


Investment advisory services offered through CreativeOne Wealth, LLC, a Registered

Investment Adviser. Clients Excel and CreativeOne Wealth are unaffiliated entities. We are not

affiliated with or endorsed by the Social Security Administration or any other government

Agency.


This material has been prepared for informational and educational purposes only. It is not

intended to provide, and should not be relied upon for, accounting, legal, tax or investment

advice. Investing involves risk, including the loss of principal. No Investment strategy can

guarantee a profit or protect against loss. Licensed insurance professional. Insurance and

annuity products are backed by the financial strength and claims-paying ability of the issuing

insurance company.

]]> <p>In this first of two episodes, David Treece shares his insights on ways to help you optimize your Social Security benefits through detailed analysis and strategic planning. Learn how to make informed decisions that could significantly impact your retirement income and peace of mind.</p><p><br></p><p><strong>Topics covered:</strong></p><ul><li>Social Security benefit calculation and optimization</li><li>Timing strategies for claiming Social Security</li><li>Impact of life expectancy and health on benefits</li><li>Spousal and survivor benefits coordination</li><li>Effect of potential Social Security solvency issues</li></ul><p><br></p><p><strong>Takeaways</strong></p><ul><li>Your Social Security benefit is a variable, not a fixed number, and can be optimized.</li><li>Claiming benefits early versus delaying can potentially result in thousands of dollars difference over a lifetime.</li><li>A personalized Social Security report can help you make more informed decisions.</li><li>Waiting until age 70 can increase your benefits by up to 24%.</li><li>You can write a check to reset your benefits if you claim early and then change your mind within the first year.</li><li>Coordinating benefits with your spouse can help you maximize your household income.</li><li>Understanding your full retirement age and the impact of claiming before or after it is crucial.</li><li>Future solvency issues may reduce Social Security benefits, so planning for potential cuts is wise.</li></ul><p><br></p><p><strong>Google Reviews for David Treece  </strong></p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p><br></p><p><strong>Excel and Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com/" rel="nofollow">https://www.excelinretirement.com</a></p><p><br></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p><p><br></p><p>Investment advisory services offered through CreativeOne Wealth, LLC, a Registered</p><p>Investment Adviser. Clients Excel and CreativeOne Wealth are unaffiliated entities. We are not</p><p>affiliated with or endorsed by the Social Security Administration or any other government</p><p>Agency.</p><p><br></p><p>This material has been prepared for informational and educational purposes only. It is not</p><p>intended to provide, and should not be relied upon for, accounting, legal, tax or investment</p><p>advice. Investing involves risk, including the loss of principal. No Investment strategy can</p><p>guarantee a profit or protect against loss. Licensed insurance professional. Insurance and</p><p>annuity products are backed by the financial strength and claims-paying ability of the issuing</p><p>insurance company.</p> 054c29b2-0b31-4d51-af4c-ee92c0945d76 https://www.clientsexcel.com/ Thu, 13 Aug 2026 07:00:58 +0000 1723 false full 32. What could happen to Social Security in the future? 32. What could happen to Social Security in the future? David Treece In this episode, David Treece discusses the future of Social Security, its funding challenges, and what individuals can do to prepare for potential changes. This is essential listening for anyone planning for retirement and wanting to understand the math and options behind Social Security's sustainability.


Google Reviews for David Treece  

https://www.google.com/search?q=clients+excel+reviews


Excel and Retirement Newsletter

https://www.excelinretirement.com


Reach out to David

hello@clientsexcel.com


Sources: 


https://www.theatlantic.com/ideas/2026/07/social-security-taxes-benefits/688042/


https://taxfoundation.org/data/all/federal/latest-federal-income-tax-data-2025/


Chapters


00:00 Introduction to Social Security's Funding Problem

01:05 Why Social Security Is a Math Problem, Not Politics

02:39 Where Has the Money for Social Security Come From?

03:30 The Trust Fund and Its Challenges

05:16 Options for Addressing the Funding Shortfall

09:21 The Role of Taxes and Government Revenue

10:41 Reducing Benefits and Raising Retirement Age

12:00 The Impact of Borrowing and National Debt

16:23 Potential Solutions and Personal Strategies

22:27 How to help maximize Social Security Benefits and Planning

25:16 How to Get Personalized Social Security Guidance


]]> <p>In this episode, David Treece discusses the future of Social Security, its funding challenges, and what individuals can do to prepare for potential changes. This is essential listening for anyone planning for retirement and wanting to understand the math and options behind Social Security&#39;s sustainability.</p><p><br></p><p><strong>Google Reviews for David Treece  </strong></p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p><br></p><p><strong>Excel and Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com/" rel="nofollow">https://www.excelinretirement.com</a></p><p><br></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p><p><br></p><p><strong>Sources</strong>: </p><p><br></p><p><a href="https://www.theatlantic.com/ideas/2026/07/social-security-taxes-benefits/688042/" rel="nofollow">https://www.theatlantic.com/ideas/2026/07/social-security-taxes-benefits/688042/</a></p><p><br></p><p><a href="https://taxfoundation.org/data/all/federal/latest-federal-income-tax-data-2025/" rel="nofollow">https://taxfoundation.org/data/all/federal/latest-federal-income-tax-data-2025/</a></p><p><br></p><p><strong>Chapters</strong></p><p><br></p><p>00:00 Introduction to Social Security&#39;s Funding Problem</p><p>01:05 Why Social Security Is a Math Problem, Not Politics</p><p>02:39 Where Has the Money for Social Security Come From?</p><p>03:30 The Trust Fund and Its Challenges</p><p>05:16 Options for Addressing the Funding Shortfall</p><p>09:21 The Role of Taxes and Government Revenue</p><p>10:41 Reducing Benefits and Raising Retirement Age</p><p>12:00 The Impact of Borrowing and National Debt</p><p>16:23 Potential Solutions and Personal Strategies</p><p>22:27 How to help maximize Social Security Benefits and Planning</p><p>25:16 How to Get Personalized Social Security Guidance</p><p><br></p> 29b18144-c06d-4f08-b3e2-5707c1c75ad1 https://www.clientsexcel.com/ Thu, 06 Aug 2026 07:00:38 +0000 1740 false full 31. Is Spreading Your Accounts Around Helpful? 31. Is Spreading Your Accounts Around Helpful? David Treece In this episode, David Treece discusses the importance of consolidating and organizing your financial accounts to avoid redundancy, confusion, and inefficiency. He shares practical analogies and strategies to help listeners simplify their financial lives and prepare for a successful retirement.


Google Reviews for David Treece  

https://www.google.com/search?q=clients+excel+reviews


Excel and Retirement Newsletter

https://www.excelinretirement.com


Reach out to David

hello@clientsexcel.com

]]> <p>In this episode, David Treece discusses the importance of consolidating and organizing your financial accounts to avoid redundancy, confusion, and inefficiency. He shares practical analogies and strategies to help listeners simplify their financial lives and prepare for a successful retirement.</p><p><br></p><p><strong>Google Reviews for David Treece  </strong></p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p><br></p><p><strong>Excel and Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a></p><p><br></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p> 18874963-aeb9-4b32-940f-7d8286f96b81 https://www.clientsexcel.com/ Thu, 30 Jul 2026 07:00:14 +0000 1537 false full 30. How to overcome your family's financial mindset 30. How to overcome your family's financial mindset David Treece David Treece explores the deep-rooted emotional and psychological aspects of money, discussing how childhood experiences, communication, and gratitude influence our financial behaviors and well-being. They share practical insights for fostering healthier money habits and conversations, especially in retirement planning.


Google Reviews for David Treece  

https://www.google.com/search?q=clients+excel+reviews


Excel and Retirement Newsletter

https://www.excelinretirement.com


Reach out to David

hello@clientsexcel.com


]]> <p>David Treece explores the deep-rooted emotional and psychological aspects of money, discussing how childhood experiences, communication, and gratitude influence our financial behaviors and well-being. They share practical insights for fostering healthier money habits and conversations, especially in retirement planning.</p><p><br></p><p><strong>Google Reviews for David Treece  </strong></p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p><br></p><p><strong>Excel and Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com/" rel="nofollow">https://www.excelinretirement.com</a></p><p><br></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p><p><br></p> 49c1de6a-273d-4823-a55d-41b31fde2c5c https://www.clientsexcel.com/ Thu, 23 Jul 2026 07:00:47 +0000 1510 false full 29. 11 Important Moments to Call Your Financial Advisor 29. 11 Important Moments to Call Your Financial Advisor David Treece In this episode, financial advisor David Treece shares eleven critical moments when you should contact your financial advisor, from health shocks to geopolitical turmoil. Learn how to prepare and respond to life's financial huddles to secure your future.

01:30 Immediate health shock and its financial implications

03:59 Gray divorce and updating estate plans

05:51 Sudden windfalls and beneficiary reviews

08:00 Legislative changes affecting taxes and retirement accounts

09:06 Recognizing scams and verifying wire transfers

10:01 Loss of a spouse and estate considerations

12:56 Unexpected early layoffs and adjusting your plan

14:45 Large financial opportunities and market shifts

16:38 Market meltdowns and the importance of a downside-focused strategy

18:03 The importance of regular communication with your advisor

19:30 Geopolitical turmoil and black swan events


]]> <p>In this episode, financial advisor David Treece shares eleven critical moments when you should contact your financial advisor, from health shocks to geopolitical turmoil. Learn how to prepare and respond to life&#39;s financial huddles to secure your future.</p><p>01:30 Immediate health shock and its financial implications</p><p>03:59 Gray divorce and updating estate plans</p><p>05:51 Sudden windfalls and beneficiary reviews</p><p>08:00 Legislative changes affecting taxes and retirement accounts</p><p>09:06 Recognizing scams and verifying wire transfers</p><p>10:01 Loss of a spouse and estate considerations</p><p>12:56 Unexpected early layoffs and adjusting your plan</p><p>14:45 Large financial opportunities and market shifts</p><p>16:38 Market meltdowns and the importance of a downside-focused strategy</p><p>18:03 The importance of regular communication with your advisor</p><p>19:30 Geopolitical turmoil and black swan events</p><p><br></p> f1e5367f-d2b8-48e6-bd5d-5a121b10dec2 https://www.clientsexcel.com/ Thu, 16 Jul 2026 19:00:45 +0000 1380 false full 28. Is it too late to switch financial advisors? 28. Is it too late to switch financial advisors? David Treece Today David tells you why it’s important to switch your financial advisors later in life if you aren’t confident they are going to guide you into this next chapter of life. You’ll learn how to do it smoothly, and how to manage expectations of the new advisor. We discuss common reasons for switching, the process involved, and how to verify a new advisor's credibility.


00:00 Navigating the Transition to Retirement

03:04 The Importance of Communication in Financial Advising

05:52 Understanding the Role of Advisors in Retirement

08:45 Overcoming the Fear of Switching Advisors

11:57 The Risks of Frequent Switching

14:55 Having Difficult Conversations with Advisors

18:01 Setting Expectations with Your Financial Advisor


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Excel and Retirement Newsletter

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Reach out to David

hello@clientsexcel.com

]]> <p>Today David tells you why it’s important to switch your financial advisors later in life if you aren’t confident they are going to guide you into this next chapter of life. You’ll learn how to do it smoothly, and how to manage expectations of the new advisor. We discuss common reasons for switching, the process involved, and how to verify a new advisor&#39;s credibility.</p><p><br></p><p>00:00 Navigating the Transition to Retirement</p><p>03:04 The Importance of Communication in Financial Advising</p><p>05:52 Understanding the Role of Advisors in Retirement</p><p>08:45 Overcoming the Fear of Switching Advisors</p><p>11:57 The Risks of Frequent Switching</p><p>14:55 Having Difficult Conversations with Advisors</p><p>18:01 Setting Expectations with Your Financial Advisor</p><p><br></p><p><strong>Google Reviews for David Treece </strong> </p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p><br></p><p><strong>Excel and Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a></p><p><br></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p> 062fac02-7416-4706-b624-1c0f56932395 https://www.clientsexcel.com/ Thu, 16 Jul 2026 07:00:40 +0000 1687 false full 27. How AI can help you make better financial decisions 27. How AI can help you make better financial decisions David Treece Today David explores the positive applications of artificial intelligence in personal finance, emphasizing simple, value-driven approaches. Guests discuss how AI can enhance financial literacy, decision-making, and time efficiency, while also highlighting the importance of discernment and human oversight.


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Excel and Retirement Newsletter

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Reach out to David

hello@clientsexcel.com


00:00 Introduction to AI in Finance

01:05 Learning and Teaching with AI

04:06 Financial Literacy and AI Tools

07:53 Practical Applications of AI in Daily Finances

10:17 AI in Buying Decisions

15:33 Using AI for Problem Solving

19:59 The Human Element in AI Usage


]]> <p>Today David explores the positive applications of artificial intelligence in personal finance, emphasizing simple, value-driven approaches. Guests discuss how AI can enhance financial literacy, decision-making, and time efficiency, while also highlighting the importance of discernment and human oversight.</p><p><br></p><p><strong>Google Reviews for David Treece </strong> </p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p><br></p><p><strong>Excel and Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a></p><p><br></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p><p><br></p><p>00:00 Introduction to AI in Finance</p><p>01:05 Learning and Teaching with AI</p><p>04:06 Financial Literacy and AI Tools</p><p>07:53 Practical Applications of AI in Daily Finances</p><p>10:17 AI in Buying Decisions</p><p>15:33 Using AI for Problem Solving</p><p>19:59 The Human Element in AI Usage</p><p><br></p> 48505e0d-34c8-4de8-baad-e65d15dea46d https://www.clientsexcel.com/ Thu, 09 Jul 2026 07:00:42 +0000 1458 false full 26. The Limitations and Dangers of Artificial Intelligence in Personal Finance 26. The Limitations and Dangers of Artificial Intelligence in Personal Finance David Treece We’re exploring the dark side of AI in personal finance, highlighting risks like drift, hallucination, scams, and over-reliance.Artificial Intelligence has amazing capabilities but also has real limitations so we must have discernment and wisdom when integrating AI tools into financial decisions.


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Excel and Retirement Newsletter

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Reach out to David

hello@clientsexcel.com


02:43 The Dark Side of AI: Mistakes and Miscalculations

05:38 Flattery and AI: The Human Element

08:43 Scams and AI: The Pig Butchering Phenomenon

11:39 AI vs Human Advisors: The Importance of Personal Touch

14:54 The Future of AI in Financial Advisory

17:41 Conclusion: Navigating AI in Personal Finance


]]> <p>We’re exploring the dark side of AI in personal finance, highlighting risks like drift, hallucination, scams, and over-reliance.Artificial Intelligence has amazing capabilities but also has real limitations so we must have discernment and wisdom when integrating AI tools into financial decisions.</p><p><br></p><p><strong>Google Reviews for David Treece </strong> </p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p><br></p><p><strong>Excel and Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a></p><p><br></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p><p><br></p><p>02:43 The Dark Side of AI: Mistakes and Miscalculations</p><p>05:38 Flattery and AI: The Human Element</p><p>08:43 Scams and AI: The Pig Butchering Phenomenon</p><p>11:39 AI vs Human Advisors: The Importance of Personal Touch</p><p>14:54 The Future of AI in Financial Advisory</p><p>17:41 Conclusion: Navigating AI in Personal Finance</p><p><br></p> b1de96b2-83d0-47f8-aa59-b38b27ae7235 https://www.clientsexcel.com/ Thu, 02 Jul 2026 07:00:33 +0000 1784 false full 25. The Traits of the Financially Savvy 25. The Traits of the Financially Savvy David Treece David shares key characteristics of financially savvy individuals, effective saving strategies, and how to cultivate a healthy long-term financial mindset. Discover practical tips on automating savings, overcoming cultural pressures, and passing financial wisdom across generations.


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Excel and Retirement Newsletter

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Reach out to David

hello@clientsexcel.com

]]> <p>David shares key characteristics of financially savvy individuals, effective saving strategies, and how to cultivate a healthy long-term financial mindset. Discover practical tips on automating savings, overcoming cultural pressures, and passing financial wisdom across generations.</p><p><br></p><p><strong>Google Reviews for David Treece </strong> </p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p></p><p><strong>Excel and Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a></p><p><br></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p> 7b6d536b-6946-4f7f-8661-4ab3e4dc56b0 https://www.clientsexcel.com/ Thu, 18 Jun 2026 07:00:52 +0000 1265 false full 24. The Smart Kid Blueprint: Teaching Financial Wisdom To Your Kids or Grandkids 24. The Smart Kid Blueprint: Teaching Financial Wisdom To Your Kids or Grandkids David Treece This episode explores how parents and grandparents can teach children financial literacy through practical steps like saving, spending, and understanding credit. Hosted by Andy Traub with expert advice from David C. Treece, it covers real-life stories, account types, and strategies to foster financial responsibility from a young age.

00:00 Introduction to Financial Education for Kids

05:57 Teaching Kids About Interest and Debt

11:54 The Role of Allowances in Financial Literacy

17:28 The Value of Saving and Financial Education

23:58 Understanding Credit and Its Importance

30:00 Building Financial Independence for Future Generations


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Excel and Retirement Newsletter

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Reach out to David

hello@clientsexcel.com

]]> <p>This episode explores how parents and grandparents can teach children financial literacy through practical steps like saving, spending, and understanding credit. Hosted by Andy Traub with expert advice from David C. Treece, it covers real-life stories, account types, and strategies to foster financial responsibility from a young age.</p><p>00:00 Introduction to Financial Education for Kids</p><p>05:57 Teaching Kids About Interest and Debt</p><p>11:54 The Role of Allowances in Financial Literacy</p><p>17:28 The Value of Saving and Financial Education</p><p>23:58 Understanding Credit and Its Importance</p><p>30:00 Building Financial Independence for Future Generations</p><p><br></p><p><strong>Google Reviews for David Treece </strong> </p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p><br></p><p><strong>Excel and Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a></p><p><br></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p> 9352468e-2316-4719-b37f-f218f7a32359 https://www.clientsexcel.com/ Thu, 11 Jun 2026 07:00:01 +0000 2223 false full 23. How could the elections influence your financial future? 23. How could the elections influence your financial future? David Treece In this episode we explore how political elections influence the stock market, investor emotions, and financial planning strategies. 

00:00 Navigating Political Turbulence in Financial Markets

10:06 Understanding the K-Shaped Economy

19:57 Building a Financial Plan for the Future


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Excel and Retirement Newsletter

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Reach out to David

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]]> <p><span>In this episode we explore how political elections influence the stock market, investor emotions, and financial planning strategies. </span></p><p><span>00:00 Navigating Political Turbulence in Financial Markets</span></p><p><span>10:06 Understanding the K-Shaped Economy</span></p><p><span>19:57 Building a Financial Plan for the Future</span></p><p><br></p><p><strong>Google Reviews for David Treece </strong><span> </span></p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p><strong>Excel and Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a></p><p><br></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p><p><br></p><ul><li><strong>Stock Performance Under Party in Power (Fidelity Analysis):</strong><span> </span><a href="https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/party-in-power.pdf" rel="nofollow">https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/party-in-power.pdf</a></li><li><strong>Managing Client Accounts Through US Elections (Fidelity Guide):</strong><span> </span><a href="https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/election_guide.pdf" rel="nofollow">https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/election_guide.pdf</a></li><li><strong>Joint Center for Housing Studies of Harvard University (K-Shape Demographics):</strong><span> </span><a href="https://www.jchs.harvard.edu/" rel="nofollow">https://www.jchs.harvard.edu/</a></li><li><strong>Auto Loan Debt &amp; Average Monthly Payments (LendingTree Statistics):</strong><span> </span><a href="https://www.lendingtree.com/auto/debt-statistics/" rel="nofollow">https://www.lendingtree.com/auto/debt-statistics/</a></li><li><strong>Automotive Industry Trends &amp; Negative Equity Reports (Edmunds Industry Center):</strong><span> </span><a href="https://www.edmunds.com/industry-center/" rel="nofollow">https://www.edmunds.com/industry-center/</a></li></ul><p><br></p> c96ffbed-c395-4f3d-9201-384f7f7de093 https://www.clientsexcel.com/ Thu, 04 Jun 2026 07:00:43 +0000 1509 false full 22. How could the Iran War impact your finances? 22. How could the Iran War impact your finances? David Treece 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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Excel and Retirement Newsletter

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Reach out to David

hello@clientsexcel.com


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


]]> <p>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.</p><p><br></p><p><strong>Google Reviews for David Treece  </strong></p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p><br></p><p><strong>Excel and Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a></p><p><br></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p><p><br></p><p><strong>Chapters</strong></p><p>00:00 Introduction to Financial Concerns</p><p>01:00 Understanding Inflation and Its Impact</p><p>04:36 Strategies for Managing Financial Worries</p><p>08:18 Avoiding Lazy Money and Investment Strategies</p><p>12:03 Opportunities in an Inflationary Environment</p><p><br></p> fb21d433-12d6-4efd-b1d5-cd500d59e50f https://www.clientsexcel.com/ Thu, 28 May 2026 16:00:20 +0000 959 false full 21. What to avoid in a financial advisor 21. What to avoid in a financial advisor David Treece 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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Excel and Retirement Newsletter

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Reach out to David

hello@clientsexcel.com


]]> <p>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.</p><p>00:00 Understanding Financial Advisors&#39; Compensation</p><p>02:57 Recognizing Urgency and Pressure in Financial Decisions</p><p>06:05 The Importance of Communication in Financial Advisory</p><p>09:02 Navigating the Transition from Accumulation to Distribution</p><p>12:02 Proactivity in Financial Planning and Adjustments</p><p>14:57 Setting and Achieving Client Goals</p><p>17:57 The Evolution of Financial Advising</p><p>21:05 Client Experiences and Testimonials</p><p><br></p><p><strong>Google Reviews for David Treece </strong></p><p><a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a></p><p><strong>Excel and Retirement Newsletter</strong></p><p><a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a></p><p><strong>Reach out to David</strong></p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p><p><br></p> f64a1273-3ec9-4a8e-ad1a-d550c678ae1e https://www.clientsexcel.com/ Fri, 22 May 2026 18:00:35 +0000 1364 false full 20. What could happen if taxes go up? 20. What could happen if taxes go up? David Treece 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.


Get David’s weekly updates by visiting - 

http://www.ExcelInRetirement.com


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


]]> <p>In this episode we explore the potential impact of significant tax increases on individuals&#39; work, spending, and investment strategies. David offers practical advice on preparing for future tax scenarios and managing personal finances effectively.</p><p><br></p><p>Get David’s weekly updates by visiting - </p><p><a href="http://www.excelinretirement.com" rel="nofollow">http://www.ExcelInRetirement.com</a></p><p><br></p><p>Contact David at: <a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p><p><br></p><p><strong>Chapters</strong></p><p>00:00 Introduction to Future Financial Scenarios</p><p>01:00 Impact of Increased Taxes on Work and Spending</p><p>04:02 The Importance of Growing Your Money</p><p>05:49 Practical Steps for Tax Preparation</p><p>10:04 Understanding National Debt and Its Implications</p><p>12:00 Strategies for Reducing Debt and Tax Burden</p><p><br></p><p><a href="https://www.wsj.com/economy/u-s-debt-tops-100-of-gdp-81c013d7?st=44jh1F" rel="nofollow">https://www.wsj.com/economy/u-s-debt-tops-100-of-gdp-81c013d7?st=44jh1F</a></p><p><br></p> 4c6fe691-29ca-4f41-8a2e-fcd212e37263 https://www.clientsexcel.com/ Fri, 08 May 2026 07:00:32 +0000 1057 false full 19. The BEST time to make financial decisions 19. The BEST time to make financial decisions David Treece 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


https://excelinretirement.com/


]]> <p>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.</p><p>00:00 Introduction to Financial Wisdom</p><p>04:05 The Dangers of Hasty Decisions</p><p>07:57 Navigating Sudden Wealth</p><p>12:55 The Pitfalls of Timing the Market</p><p>21:43 Conclusion and Key Takeaways</p><p><br></p><p><a href="https://excelinretirement.com/" rel="nofollow">https://excelinretirement.com/</a></p><p><br></p> 08205e40-71df-4024-9f95-08d7cc09567f https://www.clientsexcel.com/ Fri, 01 May 2026 07:00:53 +0000 1309 false full 18. When NOT to make financial decisions 18. When NOT to make financial decisions David Treece 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

Get weekly tips from David -> http://www.ExcelInRetirement.com


]]> <p>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.</p><p>00:00 Introduction to Financial Wisdom</p><p>04:05 The Dangers of Hasty Decisions</p><p>07:57 Navigating Sudden Wealth</p><p>12:55 The Pitfalls of Timing the Market</p><p>21:43 Conclusion and Key Takeaways</p><p>Get weekly tips from David -&gt; <a href="http://www.ExcelInRetirement.com" rel="nofollow">http://www.ExcelInRetirement.com</a></p><p><br></p> e7de9276-2bc4-4929-bada-2f6e0ed3907d https://www.clientsexcel.com/ Fri, 24 Apr 2026 15:00:27 +0000 1434 false full 17. How to avoid fear when investing (Part 2) 17. How to avoid fear when investing (Part 2) David Treece 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


https://www.clientsexcel.com/

]]> <p>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.</p><p>00:00 Introduction to Market Volatility</p><p>03:00 Understanding Market Timing and Emotional Decisions</p><p>06:07 The Importance of Financial Planning</p><p>09:01 Different Types of Money and Their Uses</p><p>11:53 Historical Perspective on Investing</p><p>14:55 Conclusion and Call to Action</p><p><br></p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p> dea4d068-0422-41d6-b0e7-36b0b94e4f93 https://www.clientsexcel.com/ Thu, 16 Apr 2026 07:00:08 +0000 1078 false full 16. How to avoid fear when investing (Part 1) 16. How to avoid fear when investing (Part 1) David Treece 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

https://www.clientsexcel.com/

]]> <p>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.</p><p>00:00 Introduction to Market Volatility and Faith</p><p>00:30 David Treese&#39;s Perspective on Market Fluctuations</p><p>01:49 Experiencing Market Swings During COVID-19</p><p>02:44 Understanding Market Movements and Tidal Waves</p><p>03:35 The Stair-Step Pattern of Market Declines</p><p>04:04 Preparing for Black Swan Events and Market Surprises</p><p>05:02 Long-Term Outlook and Market Turmoil as Part of the Plan</p><p>06:16 The Roller Coaster Analogy and Managing Emotions</p><p>07:02 The Role of Facts and Managing Expectations</p><p>08:20 Income Planning and Managing Resources</p><p>09:12 Downside Focus in Retirement Planning</p><p>10:12 Client Communication During Market Downturns</p><p>11:12 The Importance of Planning and Coaching</p><p>12:43 Balancing Growth and Fixed Investments</p><p>13:38 The Reality of Market Guarantees and Volatility</p><p>14:34 Media Influence and Fear in Financial Markets</p><p>15:41 Discerning News and Managing Fear</p><p>16:44 Long-Term Perspective and Faith in the Future</p><p>17:40 Emotional Management and Rational Investing</p><p>19:27 The Importance of a Financial Plan and Income Strategy</p><p>20:48 Thinking Long-Term and Planning for the Harvest</p><p>21:25 Building Trust and Client Relationships</p><p>22:24 The Mission of Long-Term Stewardship</p><p>22:55 Closing Remarks and Encouragement to Seek Wisdom</p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p> 35e29cf3-bc55-42c8-bd66-ff173d535aac https://www.clientsexcel.com/ Thu, 09 Apr 2026 13:00:33 +0000 1452 false full 15. Who does YOUR advisor work for? 15. Who does YOUR advisor work for? David Treece 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

https://www.clientsexcel.com/

]]> <p>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.</p><p>02:08 The Advantages of Independence in Financial Advisory</p><p>05:15 Simplifying Financial Complexity</p><p>10:03 Understanding Client Needs and Financial Literacy</p><p>12:43 Preparing for Financial Storms</p><p>15:35 The Pressure of Financial Advisory Roles</p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p> aa6fd204-bd2d-455b-8b99-affd548bf090 https://www.clientsexcel.com/ Wed, 01 Apr 2026 19:00:42 +0000 1075 false full 14. How to talk to your heirs about your money (Part 3/3) 14. How to talk to your heirs about your money (Part 3/3) David Treece 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


https://www.clientsexcel.com/

]]> <p>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.</p><p>00:00 Introduction to Financial Planning for Heirs</p><p>05:41 Communicating Asset Information to Heirs</p><p>11:16 Logistical Challenges of Multiple Accounts</p><p><br></p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p> a5d3096c-e58f-4645-aa6b-b372adbe21da https://www.clientsexcel.com/ Thu, 19 Mar 2026 07:00:43 +0000 1185 false full 13. How to talk to your heirs about your money (Part 2/3) 13. How to talk to your heirs about your money (Part 2/3) David Treece 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.


https://www.clientsexcel.com/

]]> <p>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. </p><ul><li>95% of people avoid financial conversations with heirs.</li><li>Having these conversations is an act of love.</li><li>Intentionality is key in financial planning.</li><li>Paying off high-interest debt is a priority for heirs.</li><li>Building an emergency fund is essential for financial stability.</li><li>Investing in education can yield long-term benefits.</li><li>Wealth gained hastily can dwindle quickly.</li><li>Encouraging generosity can create a lasting legacy.</li><li>Enjoying wealth while alive is important.</li><li>Establishing a support team for heirs is crucial.</li></ul><p><br></p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p> f1bdf578-a666-4c77-849e-73febf230b0a https://www.clientsexcel.com/ Thu, 12 Mar 2026 17:00:21 +0000 1121 false full 12. How to talk to your heirs about your money (Part 1/3) 12. How to talk to your heirs about your money (Part 1/3) David Treece 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

hello@clientsexcel.com

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


https://www.clientsexcel.com/

]]> <p>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. </p><p>For help with your conversations with your heirs reach out to David at </p><p><a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a></p><p><strong>Chapters</strong></p><p>01:04 Values-Based Discussions with Heirs</p><p>04:25 Savings, Discipline, and Financial Responsibility</p><p>07:21 Giving, Legacy, and Stewardship</p><p>11:19 The Importance of Gratitude and Planning</p><p><br></p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p> c6c13c25-0f61-4d34-a115-22272a1983a3 https://www.clientsexcel.com/ Thu, 05 Mar 2026 17:00:13 +0000 1100 false full 11. Prosperity's Responsibility 11. Prosperity's Responsibility David Treece 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

https://www.clientsexcel.com/

]]> <p>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.</p><p><strong>Chapters</strong></p><p>00:00 The Landscape of Prosperity in America</p><p>05:00 The Responsibility of Wealth</p><p>10:20 Educating the Next Generation</p><p>16:11 Navigating Difficult Conversations</p><p>22:47 Planning for Future Generations</p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p> 5855a335-c267-4556-93ba-f22abf9d9375 https://www.clientsexcel.com/ Mon, 02 Mar 2026 19:00:45 +0000 1517 false full 10. Is your Social Security broken? 10. Is your Social Security broken? David Treece 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


https://www.clientsexcel.com/

]]> <p>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.</p><p>Get help from David by email at <a href="mailto:Hello@ClientsExcel.com" rel="nofollow">Hello@ClientsExcel.com</a></p><p><strong>Takeaways</strong></p><ul><li>Age 62 is the first age to claim social security benefits.</li><li>Ida May Fuller exemplifies the unpredictability of social security.</li><li>Claiming social security early can lock in reduced benefits.</li><li>It&#39;s crucial to coordinate social security benefits with your spouse.</li><li>The widow&#39;s tax can significantly impact financial planning.</li><li>Having a diverse income strategy is essential for retirement.</li><li>Understanding social security rules can prevent financial pitfalls.</li><li>Maximizing benefits at age 70 is critical for financial security.</li><li>Medicare plays a vital role in retirement planning.</li><li>Professional guidance can help navigate social security complexities.</li></ul><p><br></p><p><strong>Chapters</strong></p><p>00:00 Introduction to Retirement Planning</p><p>01:02 Understanding the Importance of Age 62</p><p>10:01 Navigating Social Security Benefits</p><p>18:05 Maximizing Benefits at Age 70</p><p>21:59 The Role of Medicare in Retirement</p><p><br></p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p> 88f9cc5c-b245-4a4e-81e3-847867e8d353 https://www.clientsexcel.com/ Thu, 05 Feb 2026 08:00:47 +0000 1447 false full 9. Five ways to keep more of your money 9. Five ways to keep more of your money David Treece 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

https://www.clientsexcel.com/

]]> <p>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.</p><p>To get help with these issues contact David at <a href="mailto:Hello@ClientsExcel.com" rel="nofollow">Hello@ClientsExcel.com</a></p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p> 683f2b0b-fbbf-4dfd-9bd7-0fce5c70fc6f https://www.clientsexcel.com/ Thu, 29 Jan 2026 08:00:49 +0000 1649 false full 8. Taking the fear out of your Medicare decisions 8. Taking the fear out of your Medicare decisions David Treece 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


https://www.clientsexcel.com/

]]> <p>Medicare can be very confusing, and it also has an immense impact on your retirement. In today&#39;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.</p><ul><li>Medicare is essential for those over 65 and requires timely enrollment.</li><li>Part A covers hospital stays, while Part B covers outpatient care.</li><li>Part D is necessary for prescription drug coverage, regardless of current medication use.</li><li>Failing to enroll in Medicare on time can lead to lifelong penalties.</li><li>Choosing the right Medicare plan can lead to better coverage and lower costs.</li><li>Understanding income limits is crucial as they affect Medicare premiums.</li><li>It&#39;s important to start planning for Medicare well before turning 65.</li><li>Consulting with a financial advisor can help navigate Medicare complexities.</li><li>Independent advisors can provide unbiased advice on Medicare options.</li><li>Making Medicare decisions in isolation from other financial matters can be detrimental.</li></ul><p><br></p><p>If you need help making Medicare decisions, reach out to David by emailing <a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a>.</p><p><strong>Chapters</strong></p><p>00:00 Understanding Medicare: An Overview</p><p>02:46 The Importance of Timely Enrollment</p><p>05:46 Navigating Medicare Costs and Coverage</p><p>08:50 Making Informed Decisions About Medicare</p><p>11:56 The Role of Financial Advisors in Medicare Planning</p><p><br></p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p> a9b93c24-9abc-4b7d-b3c0-19758b9c354b https://www.clientsexcel.com/ Fri, 23 Jan 2026 07:48:14 +0000 1013 false full 7. Seven paths to more financial freedom 7. Seven paths to more financial freedom David Treece 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


https://www.clientsexcel.com/

]]> <p>We can create our own freedom through wise financial decisions, by overcoming fear and worry related to money, and gain control over one&#39;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. </p><p>To take proactive steps towards achieving financial peace and autonomy reach out to David at <a href="mailto:Hello@ClientsExcel.com" rel="nofollow">Hello@ClientsExcel.com</a></p><p><strong>Chapters</strong></p><p>03:04 Understanding the Nature of Worry</p><p>05:54 Freedom from Fear and Mental Weight</p><p>08:55 The Importance of Control and Autonomy</p><p>11:57 Navigating Over-Taxation</p><p>14:54 The Benefits of Being Debt-Free</p><p>17:54 Embracing Leisure and Enjoyment</p><p>21:00 The Power of Generosity</p><p><br></p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p> 02b4be63-d142-4baa-b410-438590287fe6 https://www.clientsexcel.com/ Fri, 16 Jan 2026 08:00:17 +0000 1634 false full 6. What if we are in a market peak? 6. What if we are in a market peak? David Treece 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


https://www.clientsexcel.com/


]]> <p><span>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.</span></p><p><span>To contact David email Hello@ClientsExcel.com</span></p><p><span>02:57 The Impact of AI on Market Dynamics</span></p><p><span>05:57 Job Displacement and Economic Concerns</span></p><p><span>08:58 Stewardship and Legacy Planning</span></p><p><span>11:53 The Importance of Diversification</span></p><p><span>14:48 Stability in Retirement Planning</span></p><p><br></p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p><p><br></p> 73da2c24-1a1a-4486-ba4e-359cbc2a1153 https://www.clientsexcel.com/ Fri, 09 Jan 2026 08:00:29 +0000 1229 false full 5. Maximizing Low Interest Rates & Avoiding Lazy Cash 5. Maximizing Low Interest Rates & Avoiding Lazy Cash David Treece 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.

https://www.clientsexcel.com/

]]> <p><span>What should we be doing in light of rising and lowering interest rates? And how can we avoid &#39;lazy money&#39;—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.</span></p><p><span>Contact him at </span><a href="mailto:Hello@ClientsExcel.com" rel="nofollow">Hello@ClientsExcel.com</a><span> </span></p><p><strong>Takeaways</strong></p><p><span>If we get more than a year of bill paying money, we&#39;ve got lazy money.</span></p><p><span>We want to be cognizant of lazy money to put it to work.</span></p><p><span>There are reasons for having money in cash, but it shouldn&#39;t be complacent.</span></p><p><span>Having a methodology for managing money is crucial.</span></p><p><span>Money should not just sit aimlessly; it should be utilized effectively.</span></p><p><span>Understanding the implications of lazy money can lead to better financial decisions.</span></p><p><span>Active management of cash can enhance financial growth.</span></p><p><span>Investing is essential to avoid the pitfalls of lazy money.</span></p><p><span>A good interest rate is important for cash management.</span></p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p> 58b93037-d1da-4769-8e3c-ac3285e03863 https://www.clientsexcel.com/ Fri, 26 Dec 2025 08:00:52 +0000 1588 false full 4. How to buy good cars and still build your wealth 4. How to buy good cars and still build your wealth David Treece 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.


https://www.clientsexcel.com/

]]> <p>This conversation explores the increasing trends in car loans and average car payments in America, highlighting significant statistics and insights into the auto industry.</p><p><strong>Takeaways</strong></p><p>The average new car loan amount has exceeded $41,000.</p><p>Car payments for new vehicles increased by 2% in 2025.</p><p>The least car payments went up by 4%.</p><p>Listeners are prompted to guess the average car payment in 2025.</p><p>The highest average car payment is $749.</p><p>The discussion includes comparisons to mortgage costs.</p><p>LendingTree.com provides verified statistics on car payments.</p><p>The conversation reflects on financial trends in the auto industry.</p><p>Understanding these trends is crucial for consumers making purchasing decisions.</p><p>The data indicates a shift in consumer spending on vehicles.</p><p><br></p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p> 4317832f-3689-43c0-9c11-a71b347731bc https://www.clientsexcel.com/ Thu, 18 Dec 2025 08:00:46 +0000 1401 false full 3. Why 59 ½ matters and what you need to do about it 3. Why 59 ½ matters and what you need to do about it David Treece 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


https://www.clientsexcel.com/

]]> <p>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.</p><p><strong>Takeaways</strong></p><p>Age 59 and a half is a pivotal point in retirement planning.</p><p>In-service transfers allow for more investment options without tax penalties.</p><p>Understanding penalties for early withdrawals is crucial for financial planning.</p><p>Proactive stewardship is essential as retirement approaches.</p><p>Diversifying tax strategies can lead to better financial outcomes in retirement.</p><p>It&#39;s important to start making projections about retirement income early.</p><p>Every little bit of proactive financial action matters.</p><p>You can control your financial future by being informed and engaged.</p><p>The government may raise taxes in the future, making current tax strategies important.</p><p>Feeling behind in retirement planning is common, but it&#39;s never too late to start. </p><p><strong>Chapters</strong></p><p>00:00 Introduction to Retirement Planning</p><p>01:07 The Significance of Age 59 and a Half</p><p>05:25 Understanding Penalties and Withdrawals</p><p>10:57 Proactive Financial Stewardship</p><p>14:16 Tax Strategies for Retirement</p><p>19:26 Encouragement for Those Feeling Behind</p><p><br></p><p><a href="https://www.clientsexcel.com/" rel="nofollow">https://www.clientsexcel.com/</a></p> ad699d62-3457-4c49-9de7-758ed8bd2f7b https://www.clientsexcel.com/ Fri, 12 Dec 2025 08:00:41 +0000 1568 false full 2. The Three Enemies of Financial Stewardship (Part 2) 2. The Three Enemies of Financial Stewardship (Part 2) David Treece 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.

]]> <p><span>The episode on &#34;Stewardship&#34; is the second part of a series focusing on the </span><strong>challenges</strong><span> that make responsible financial management difficult. We discuss the </span><strong>three worst stewards of our money</strong><span>: the Government, American culture, and ourselves.</span></p><p><span>The first opponent is the </span><strong>Government</strong><span>, which is notoriously fiscally irresponsible. With the national debt approaching $37 trillion, the government is essentially operating on a &#34;high interest credit card&#34;. 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.</span></p><p><span>The second challenge is </span><strong>American culture</strong><span>, which constantly markets to consumers, destroying long-term fiscal outlooks. The focus is on combating </span><strong>planned obsolescence</strong><span> (products, like smartphones and appliances, designed to break quickly) and </span><strong>perceived obsolescence</strong><span> (being told something is old when it still works). The solution involves </span><strong>discipline</strong><span>, avoiding </span><strong>lifestyle creep</strong><span>, and consciously choosing to purchase high-quality items that prove cheaper in the long run.</span></p><p><span>The final challenge is </span><strong>Ourselves</strong><span>, stemming from a lack of financial education and the inherent human desire to spend now. To overcome this, the fundamental step is creating a </span><strong>budget</strong><span> and tracking expenses, because &#34;you can&#39;t improve what you don&#39;t track&#34;. The ultimate goal of good stewardship is to maximize the potential of every dollar and utilize a </span><strong>holistic approach</strong><span> to planning to achieve </span><strong>peace of mind</strong><span>.</span></p><p><span>Learn the key ages that you need to be prepared for and maximize in retirement by getting out free guide to retirement ages at </span></p><p><a href="http://www.ClientsExcel.com/ages" rel="nofollow">http://www.ClientsExcel.com/ages</a></p><p><br></p><p><span>Roth Disclosure:</span></p><p><span>Please remember that converting an employer plan account to a Roth IRA is a</span></p><p><span>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.</span></p> d73e5556-b02b-488d-9c40-e4b9e8f7b9fc http://www.ClientsExcel.com/ Fri, 21 Nov 2025 17:05:07 +0000 2025 false full 1. Generational Stewardship (Part 1) and the three roles of money 1. Generational Stewardship (Part 1) and the three roles of money David Treece 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:

  1. Green Money: Liquid bank funds needed for emergencies (ideally six to nine months of expenses).
  2. Blue Money: Stable assets designated for short-term income needs over the next decade, used for drawdown and stability.
  3. 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

]]> <p><span>Learn the key ages that you need to be prepared for and maximize in retirement by getting out free guide to retirement ages at </span></p><p><a href="http://www.ClientsExcel.com/ages" rel="nofollow">http://www.ClientsExcel.com/ages </a></p><p><span>The episode on </span><strong>stewardship</strong><span> introduces our podcast&#39;s mission: to help good people make </span><strong>wise financial decisions</strong><span> so they can </span><strong>excel in retirement</strong><span> and achieve </span><strong>peace of mind</strong><span>. Stewardship is not merely as money management, but a </span><strong>proactive</strong><span> approach to managing the time, skills, and money that have been entrusted to us. </span></p><p><span>The episode also provides a key blueprint for good stewardship using the </span><strong>&#34;Three Roles of Money&#34;</strong><span> framework. This involves segmenting assets into:</span></p><ol><li><strong>Green Money:</strong><span> Liquid bank funds needed for emergencies (ideally six to nine months of expenses).</span></li><li><strong>Blue Money:</strong><span> Stable assets designated for short-term income needs over the next decade, used for drawdown and stability.</span></li><li><strong>Red Money:</strong><span> Market and growth money, allocated to the stock market to serve as a </span><strong>hedge against inflation</strong><span> and protect purchasing power over the long term.</span></li></ol><p><span>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. </span></p><p><span>Finally, good stewardship extends to generosity, urging listeners to be </span><strong>&#34;rich in good deeds, and be generous and willing to share&#34;</strong><span>.</span></p><p><span>Learn the key ages that you need to be prepared for and maximize in retirement by getting out free guide to retirement ages at </span></p><p><a href="http://www.ClientsExcel.com/ages" rel="nofollow">http://www.ClientsExcel.com/ages</a></p> 87a7ad59-d5d9-4ee3-97d6-7d50fd642bef http://www.ClientsExcel.com/ Fri, 21 Nov 2025 17:00:05 +0000 1953 false