Excel in Retirement: Financial Stewardship for Lasting Confidence

David Treece
  • 5.0 (2)
  • Investing
  • Updated Weekly

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.

  1. 6d ago

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

    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 optimizationTiming strategies for claiming Social SecurityImpact of life expectancy and health on benefitsSpousal and survivor benefits coordinationEffect 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.

  2. Aug 6

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

    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

  3. Jul 30

    31. Is Spreading Your Accounts Around Helpful?

    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

  4. Jul 23

    30. How to overcome your family's financial mindset

    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

  5. Jul 16

    29. 11 Important Moments to Call Your Financial Advisor

    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

  6. Jul 16

    28. Is it too late to switch financial advisors?

    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 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

  7. Jul 9

    27. How AI can help you make better financial decisions

    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   https://www.google.com/search?q=clients+excel+reviews Excel and Retirement Newsletter https://www.excelinretirement.com 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

  8. Jul 2

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

    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   https://www.google.com/search?q=clients+excel+reviews Excel and Retirement Newsletter https://www.excelinretirement.com 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

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About

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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