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.

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In this episode, David explores the importance of patience and discernment in financial decision-making, drawing insights from Proverbs and real-world examples. He discusses how AI, market fluctuations, and instant gratification culture impact our wisdom and long-term success. Chapters00:00 Introduction to Wisdom and Patience in Finance01:12 The Impact of Impatience on Financial Mistakes02:11 The Age of AI and Information Overload03:11 Patience as a Key to Successful Planning04:07 Culture&#39;s Speed and Its Effect on Wisdom05:25 The Role of Community and Learning from Others06:26 Characteristics of Successful Long-Term Investors07:38 The Risks of Quick Reactions in Markets09:27 Long-Term Perspective in Investing11:13 The Fallacy of Short-Term Trading12:35 Market Fluctuations and Emotional Discipline14:11 Building Resilience Against Market Volatility16:14 The Risks of Constant Market Monitoring17:28 Living Disciplined and Prioritizing Wisdom19:45 Practical Ways to Cultivate Patience22:16 The Power of Consistent Small Steps23:36 The Importance of Long-Term Thinking in Wealth24:23 Encouragement to Seek Wisdom and Patience in Finance Scripture Foundation: Proverbs 14:29 — &#34;Whoever is patient has great understanding...&#34; Whoever is patient has great understanding,  but one who is quick-tempered displays folly. Google Reviews for David Treece  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> Excel and Retirement Newsletter<a href="https://www.excelinretirement.com/" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a> 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

39. The Power of Patience With Your Money

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In this episode, David explores the biblical perspective on money, trust, and contentment. He discusses how loving money can lead to temptation and wandering from faith, and how trusting in God&#39;s provision can bring peace and purpose.Scripture Foundation: Proverbs 11:28 — &#34;Those who trust in their riches will fall, but the righteous will thrive like a green leaf.&#34;&#34;For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.&#34; — 1 Timothy 6:10 (NIV)The Core Lesson: Money is a tool for stewardship, not the ultimate source of emotional security. When people worship the balance on their statement rather than planning for its purpose, market drop may create unnecessary anxiety.Clients Excel focuses on giving your money a job (Green/Blue/Red framework) rather than just stockpiling wealth. Purpose helps create peace; wealth alone does not.Fear of running out of money:<a href="https://www.allianzlife.com/about/newsroom/2026-press-releases/fear-of-running-out-of-money-over-death-at-record-high?" rel="nofollow">https://www.allianzlife.com/about/newsroom/2026-press-releases/fear-of-running-out-of-money-over-death-at-record-high?</a> Google Reviews for David Treece  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> Excel and Retirement Newsletter<a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a> 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

38. Why do we love money so much?

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In this episode, David explores the importance of seeking counsel, humility, and wisdom from Proverbs to avoid pitfalls like pride and isolation, especially in financial and personal decisions.Scripture Foundation: Proverbs 15:22 - &#34;Plans fail for lack of counsel…&#34;Proverbs 12:15 - &#34;The way of fools seems right to them, but the wise listen to advice.&#34;13:10 - Pride leads to conflict; those who take advice are wise.The Core Lesson: Isolation breeds blind spots. Making high-stakes financial choices—like Social Security timing or tax conversions—in a vacuum or based purely on online headlines often leads to avoidable mistakes.Real wisdom isn&#39;t about knowing everything yourself; it&#39;s about surrounding yourself with a coordinated team (tax, legal, income, Medicare) to help your retirement plan actually succeed. 00:00 Introduction to the importance of advice and humility00:27 Proverbs The value of many advisors01:05 The potential risks of isolating oneself and seeking wisdom02:11 The importance of understanding and avoiding pride03:33 Lessons from public figures&#39; falls from grace04:50 The roots of pride in the biblical story of Adam and Eve05:49 The early signs of pride in human nature07:02 Challenges of helping prideful clients and the importance of humility09:14 The value of timing and seeking advice at the right moment12:37 The risks of isolation and the importance of community13:46 The biblical view of grace and the concept of a fall from grace20:29 The story of the financial steward and the fall from grace21:41 The craftiness of the devil and the importance of staying humble22:23 How Proverbs can guide daily life and decision-making23:37 Encouragement to seek advice and build humility in life Google Reviews for David Treece  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> Excel and Retirement Newsletter<a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a> 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

37. Proverbs 15:22 - The Wisdom of Getting Help

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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 overview02:15 The difference between retirement planning and investment management04:02 The interconnectedness of financial decisions06:19 The color-coded money system explained09:01 The importance of simplicity and clear communication11:24 Trust, verification, and building confidence13:07 Creating community and ongoing support in retirement16:19 The power of brand consistency and trust20:03 The importance of being there for clients throughout retirement22:30 What Clients Excel really means Google Reviews for David Treece  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> Excel and Retirement Newsletter<a href="https://www.excelinretirement.com/" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a> 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

36. Why do people work with Clients Excel?

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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 FrameworkB — 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 &amp; Investments How should your assets be positioned for retirement?E — Earnings &amp; Income Where will your retirement income come from?D — Dream Retirement What are you actually retiring to? Key points: <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> Google Reviews for David Treece  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> Excel In Retirement Newsletter<a href="https://www.excelinretirement.com/" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a> Links from the episode<ul><li>Pew Research Center (Public Trust in Government 1958–2024):<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>Gallup Historical Tracking (Confidence in Institutions &amp; Media):<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>Bureau of Labor Statistics (BLS Benchmark Revisions Analysis):<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>Proverbs 21:20 (Principles of Reserve &amp; Stewardship):<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>Georgia Man arrested for Ponzi scheme</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>

35. What Happens to us when we stop trusting Government & Media?

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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  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> Excel and Retirement Newsletter<a href="https://www.excelinretirement.com/" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a> Chapters00:00 Introduction to Social Security and Retirement Planning05:56 The Importance of a Social Security Report07:03 Using SSA.gov and Navigating Benefits08:05 Impact of Cost of Living and Inflation09:00 Role of Assets and Budgeting in Retirement10:06 Dreaming Bigger in Retirement and Lifestyle Planning11:10 The Power of Responsible Forecasting and Planning12:08 Market Volatility and Retirement Strategies12:59 The Value of a Social Security Report and Personal Decisions14:10 The Importance of Planning for the Unexpected14:53 Controlling Perspective and Life Balance15:59 Understanding Provisional Income and Tax Rules17:05 The Evolution of Social Security Taxation18:07 Strategies to Help Minimize Tax Impact on Benefits19:09 How Long Does a Social Security Report Take?20:07 The Value of Professional Guidance and Personalized Reports20:55 Stories of Unexpected Benefits and Peace of Mind22:02 The Potential Cost of Not Planning and Missing Opportunities23:02 Encouragement to Take Action and Get Your Report24:03 Final Thoughts and Invitation to Connect Investment advisory services offered through CreativeOne Wealth, LLC, a RegisteredInvestment Adviser. Clients Excel and CreativeOne Wealth are unaffiliated entities. We are notaffiliated with or endorsed by the Social Security Administration or any other governmentagency.This material has been prepared for informational and educational purposes only. It is notintended to provide, and should not be relied upon for, accounting, legal, tax or investmentadvice. Investing involves risk, including the loss of principal. No Investment strategy canguarantee a profit or protect against loss. Licensed insurance professional. Insurance andannuity products are backed by the financial strength and claims-paying ability of the issuinginsurance company.

34. Did you get a quality Social Security report? (Part 2)

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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:<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> Takeaways<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> Google Reviews for David Treece  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> Excel and Retirement Newsletter<a href="https://www.excelinretirement.com/" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a> Investment advisory services offered through CreativeOne Wealth, LLC, a RegisteredInvestment Adviser. Clients Excel and CreativeOne Wealth are unaffiliated entities. We are notaffiliated with or endorsed by the Social Security Administration or any other governmentAgency. This material has been prepared for informational and educational purposes only. It is notintended to provide, and should not be relied upon for, accounting, legal, tax or investmentadvice. Investing involves risk, including the loss of principal. No Investment strategy canguarantee a profit or protect against loss. Licensed insurance professional. Insurance andannuity products are backed by the financial strength and claims-paying ability of the issuinginsurance company.

33. Did you get a quality Social Security report? (Part 1)

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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. Google Reviews for David Treece  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> Excel and Retirement Newsletter<a href="https://www.excelinretirement.com/" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a> Sources:  <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> <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> Chapters 00:00 Introduction to Social Security&#39;s Funding Problem01:05 Why Social Security Is a Math Problem, Not Politics02:39 Where Has the Money for Social Security Come From?03:30 The Trust Fund and Its Challenges05:16 Options for Addressing the Funding Shortfall09:21 The Role of Taxes and Government Revenue10:41 Reducing Benefits and Raising Retirement Age12:00 The Impact of Borrowing and National Debt16:23 Potential Solutions and Personal Strategies22:27 How to help maximize Social Security Benefits and Planning25:16 How to Get Personalized Social Security Guidance

32. What could happen to Social Security in the future?

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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  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> Excel and Retirement Newsletter<a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a>

31. Is Spreading Your Accounts Around Helpful?

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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  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> Excel and Retirement Newsletter<a href="https://www.excelinretirement.com/" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a>

30. How to overcome your family's financial mindset

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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.01:30 Immediate health shock and its financial implications03:59 Gray divorce and updating estate plans05:51 Sudden windfalls and beneficiary reviews08:00 Legislative changes affecting taxes and retirement accounts09:06 Recognizing scams and verifying wire transfers10:01 Loss of a spouse and estate considerations12:56 Unexpected early layoffs and adjusting your plan14:45 Large financial opportunities and market shifts16:38 Market meltdowns and the importance of a downside-focused strategy18:03 The importance of regular communication with your advisor19:30 Geopolitical turmoil and black swan events

29. 11 Important Moments to Call Your Financial Advisor

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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. 00:00 Navigating the Transition to Retirement03:04 The Importance of Communication in Financial Advising05:52 Understanding the Role of Advisors in Retirement08:45 Overcoming the Fear of Switching Advisors11:57 The Risks of Frequent Switching14:55 Having Difficult Conversations with Advisors18:01 Setting Expectations with Your Financial Advisor Google Reviews for David Treece  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> Excel and Retirement Newsletter<a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a>

28. Is it too late to switch financial advisors?

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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. Google Reviews for David Treece  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> Excel and Retirement Newsletter<a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a> 00:00 Introduction to AI in Finance01:05 Learning and Teaching with AI04:06 Financial Literacy and AI Tools07:53 Practical Applications of AI in Daily Finances10:17 AI in Buying Decisions15:33 Using AI for Problem Solving19:59 The Human Element in AI Usage

27. How AI can help you make better financial decisions

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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. Google Reviews for David Treece  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> Excel and Retirement Newsletter<a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a> 02:43 The Dark Side of AI: Mistakes and Miscalculations05:38 Flattery and AI: The Human Element08:43 Scams and AI: The Pig Butchering Phenomenon11:39 AI vs Human Advisors: The Importance of Personal Touch14:54 The Future of AI in Financial Advisory17:41 Conclusion: Navigating AI in Personal Finance

26. The Limitations and Dangers of Artificial Intelligence in Personal Finance

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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. Google Reviews for David Treece  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a>﻿Excel and Retirement Newsletter<a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a>

25. The Traits of the Financially Savvy

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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 Kids05:57 Teaching Kids About Interest and Debt11:54 The Role of Allowances in Financial Literacy17:28 The Value of Saving and Financial Education23:58 Understanding Credit and Its Importance30:00 Building Financial Independence for Future Generations Google Reviews for David Treece  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> ﻿Excel and Retirement Newsletter<a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a>

24. The Smart Kid Blueprint: Teaching Financial Wisdom To Your Kids or Grandkids

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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 Markets10:06 Understanding the K-Shaped Economy19:57 Building a Financial Plan for the Future Google Reviews for David Treece  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a>Excel and Retirement Newsletter<a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a> <ul><li>Stock Performance Under Party in Power (Fidelity Analysis): <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>Managing Client Accounts Through US Elections (Fidelity Guide): <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>Joint Center for Housing Studies of Harvard University (K-Shape Demographics): <a href="https://www.jchs.harvard.edu/" rel="nofollow">https://www.jchs.harvard.edu/</a></li><li>Auto Loan Debt &amp; Average Monthly Payments (LendingTree Statistics): <a href="https://www.lendingtree.com/auto/debt-statistics/" rel="nofollow">https://www.lendingtree.com/auto/debt-statistics/</a></li><li>Automotive Industry Trends &amp; Negative Equity Reports (Edmunds Industry Center): <a href="https://www.edmunds.com/industry-center/" rel="nofollow">https://www.edmunds.com/industry-center/</a></li></ul>

23. How could the elections influence your financial future?

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2026/5/29/10/af524f1c-6645-4260-91fb-a2300f825603_eir022.mp3

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. Google Reviews for David Treece  <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a> Excel and Retirement Newsletter<a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a> Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a> Chapters00:00 Introduction to Financial Concerns01:00 Understanding Inflation and Its Impact04:36 Strategies for Managing Financial Worries08:18 Avoiding Lazy Money and Investment Strategies12:03 Opportunities in an Inflationary Environment

22. How could the Iran War impact your finances?

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2026/5/25/23/e197940a-83dc-4598-947a-1a7c11741049_eir021.mp3

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&#39; Compensation02:57 Recognizing Urgency and Pressure in Financial Decisions06:05 The Importance of Communication in Financial Advisory09:02 Navigating the Transition from Accumulation to Distribution12:02 Proactivity in Financial Planning and Adjustments14:57 Setting and Achieving Client Goals17:57 The Evolution of Financial Advising21:05 Client Experiences and Testimonials Google Reviews for David Treece <a href="https://www.google.com/search?q=clients+excel+reviews" rel="nofollow">https://www.google.com/search?q=clients+excel+reviews</a>Excel and Retirement Newsletter<a href="https://www.excelinretirement.com" rel="nofollow">https://www.excelinretirement.com</a>Reach out to David<a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a>

21. What to avoid in a financial advisor

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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. Get David’s weekly updates by visiting - <a href="http://www.excelinretirement.com" rel="nofollow">http://www.ExcelInRetirement.com</a> Contact David at: <a href="mailto:hello@clientsexcel.com" rel="nofollow">hello@clientsexcel.com</a> Chapters00:00 Introduction to Future Financial Scenarios01:00 Impact of Increased Taxes on Work and Spending04:02 The Importance of Growing Your Money05:49 Practical Steps for Tax Preparation10:04 Understanding National Debt and Its Implications12:00 Strategies for Reducing Debt and Tax Burden <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>

20. What could happen if taxes go up?

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.