Excel in Retirement

David C. Treece
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Where financial planning becomes understandable. David brings interesting stories each week to listeners of his Excel in Retirement show along with actionable ideas that may help listeners avoid pitfalls that many people face in their retirement. David C. Treece began his career in the financial services industry in 2011. He is an independent financial adviser. He has passed the Series 65 securities exam, and he is health and life insurance licensed in several states. David’s financial advisory firm focuses on retirement income planning.David worked for two other financial advisors before founding his firm in 2018. David launched Clients Excel because he has a desire for his clients to have a second to none experience when it comes to their financial planning for retirement. David relentlessly strives to be the best at helping people prepare for retirement.The bedrock of David’s ethos is treating others as he would want to be treated.David works tirelessly to continually bring pertinent content to our clients and friends through our weekly newsletter and podcast. Through these, David brings informative content that may aid you in preparing for retirement. Through his financial planning work, David’s hope is that his clients are empowered to have a confident financial future.David and his wife, Mallory, have a daughter named Amelia and rescue dog named Oscar. They also have a backyard flock of chickens that Amelia loves to tend. David and his family are active in their church in Spartanburg. He is also a volunteer mentor with JumpStart, which is a ministry for people who have been recently released from prison.

  1. 22/11/2024

    How will the Election Results impact your Retirement? Ep 130

    Hear some of our clients top questions on how the election results will impact their financial portfolios, what to look out for, and ways you can help insulate yourself for a successful retirement.

    24 min

  2. 01/11/2024

    Medicare 101 Episode 129

    Excel in Retirement

    16 min

  3. 16/10/2024

    How Much Does a Financial Planner Cost? Ep. 128

    Investment advisory services offered through CreativeOne Wealth, LLC. Clients Excel, LLC and CreativeOne Wealth are not affiliated companies. Licensed Insurance Professionals. Investing involves risk, including potential loss of principal. Any references to protection or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the insuring carrier. Annuity withdrawals are subject to ordinary income taxes and potentially a 10% IRS penalty before age 59-1/2. Roth distributions are tax free after age 59-1/2 and the account has been open for at least 5 years. This video is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet particular needs of an individual’s situation. Clients Excel is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Clients Excel. The use of logos and/or trademarks of hosting sites are the property of their respective owners and are not an endorsement by those owners of our firm or our program.

    17 min

  4. 06/09/2024

    How to Deal with Financial Pressure Ep 127

    Experts from the show: A couple weeks Jerome Powell, the head of the Federal Reserve, stated the time has come to lower interest rates. The goal has been to lower the cost of everyday items we use while not plunging the economy into a recession. Talk about trying to walk on a tightrope over the Grand Canyon. Believe it or not there’s even a fear and greed index that gauges which sentiment is most applicable at the time. From the Wall Street Journal, “September is a popular time for companies to go public. This month’s stock-market volatility is putting some plans on ice. It isn’t just the market’s recent choppiness, they say, but that turbulence could flare up again, given the uncertainty around November’s presidential election and how much the Federal Reserve will cut interest rates this year.”  From Fox Business, “About 61% of workers said they fear retirement more than they do death, while 64% said the thought of retiring is scarier than the thought of getting divorced. One reason for the fear is that Americans are worried they will run out of money in retirement.” Last week I was talking to my friend Jason Benham and we were talking about how fear often leads to anxiety. The World Health Organization states, “In 2019, 301 million people in the world had an anxiety disorder, making anxiety disorders the most common of all mental disorders.” If you’ve been reading our newsletter for a while you may recall our mice problem we had a while back in our garage. Investment advisory services offered through CreativeOne Wealth, LLC. Clients Excel, LLC and CreativeOne Wealth are not affiliated companies. Licensed Insurance Professionals. Investing involves risk, including potential loss of principal. Any references to protection or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the insuring carrier. Annuity withdrawals are subject to ordinary income taxes and potentially a 10% IRS penalty before age 59-1/2. Roth distributions are tax free after age 59-1/2 and the account has been open for at least 5 years. This video is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet particular needs of an individual’s situation. Clients Excel is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Clients Excel. The use of logos and/or trademarks of hosting sites are the property of their respective owners and are not an endorsement by those owners of our firm or our program.

    16 min

  5. 21/08/2024

    Why You're Invested Ep 126

    Excel in Retirement

    7 min

  6. 14/08/2024

    Benefits of Aging Ep. 125

    Investment advisory services offered through CreativeOne Wealth, LLC. Clients Excel, LLC and CreativeOne Wealth are not affiliated companies. Licensed Insurance Professionals. Investing involves risk, including potential loss of principal. Any references to protection or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the insuring carrier. Annuity withdrawals are subject to ordinary income taxes and potentially a 10% IRS penalty before age 59-1/2. Roth distributions are tax free after age 59-1/2 and the account has been open for at least 5 years. This video is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet particular needs of an individual’s situation. Clients Excel is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Clients Excel. The use of logos and/or trademarks of hosting sites are the property of their respective owners and are not an endorsement by those owners of our firm or our program.

    8 min

  7. 07/08/2024

    Frantic Markets! Here's What To Do Ep. 124

    I’m reading a book titled Think Ahead by Craig Groeschel, and one of the premises of the book is to pre-decide how we will react in given circumstances. My first thought was this would be a great book for teenagers to read. Planning beforehand for the outcome we know to be right is better than waiting until we’re under stress to think through what we should do. Under stress we may make bad decisions. One of the reasons Groeschel said we sometimes make poor decisions is we are fatigued by all the decisions we have to make. He writes, “Experts estimate that we make 35,000 decisions a day.”  Think about how many basic decisions you made before you even left your house this morning. You had to think about getting up, brushing your teeth, what to eat, what to wear, taking the dog outside, and the list could go on.  The issue is by the time we get hit with a big decision we may not make our best decision because we have not predetermined our belief system about the topic. In my previous volunteer work with a local ministry called Jumpstart, I learned that one of the ways prisons control the detained is by limiting the decisions they can make in a given day. Instead of 35,000 decisions they may have 6,000 decisions they can make a day. It stands to reason that the way we can control our outcomes is to limit the amount of mental energy we need to expend on making decisions. As evidenced by major stock market trading platforms going down on Monday due to large quantities of people placing trades in their equity portfolios, a lot of investors may not have pre-decided what they should do in a market downturn. When we don’t have a plan, we subjugate ourselves to making decisions based on feelings and not on hard facts. The stock market likes predictability and we’ve seen historically unpredictable events transpire recently.  The cool thing about our financial planning process is we have pre-determined how we should react in a down market so we don’t have to frantically attempt to make wise decisions in the chaos of the moment. In our 3 Roles of Money process we have our “red money” in the market, but we’ve segregated out our “blue money” to use over the next ten years.  Investment advisory services offered through CreativeOne Wealth, LLC. Clients Excel, LLC and CreativeOne Wealth are not affiliated companies. Licensed Insurance Professionals. Investing involves risk, including potential loss of principal. Any references to protection or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the insuring carrier. Annuity withdrawals are subject to ordinary income taxes and potentially a 10% IRS penalty before age 59-1/2. Roth distributions are tax free after age 59-1/2 and th

    10 min

  8. 24/07/2024

    How To Prepare For Retirement Ep. 123

    People come to us for financial planning at different stages of life. Most of our clients are closing in on retirement or they’re in retirement, but that can be a 10- to 15-year window of when people generally become a client of our firm. I’ve gotten a bird’s-eye view into what works well and what doesn’t. We normally recommend that people begin working on their financial plans for retirement when they are five years out from retirement. It makes sense to begin making the transition from an accumulation stage to an income and distribution stage five years out. Once we are closer to potentially using our funds, it makes sense to dial down our risk on some of our funds in order to figure out a way to increase our probability of being able to successfully take income out of our accounts. For that reason we are downside focused first because most of our clients are transitioning into retirement. We also want to begin figuring out how much income you may be able to sustainably draw from your retirement accounts and make them last as long as possible. This may include tax planning strategies like converting tax-deferred 401k accounts to tax-free accounts and the implications around this. Healthcare planning and taking a crash course on Medicare is often helpful, as is figuring out your best Social Security claiming strategy. We can do all this quickly, but when there is a window of time to work through these things, it allows for you to not feel like you have an exhausting summer of activities and you have time to rest in between mental exercises. It’s not easy planning the next 25 to 40 years of your life, and it’s best done methodically. If you’re like most of our clients, it took you 30 to 40 years to accumulate the funds you have. It definitely merits taking a few hours off work to figure how to make them last for the next 30 years. Whenever you have questions about your financial plan, please reach out at 864.641.7955. Get David's book How To Excel in Retirement.  Investment advisory services offered through CreativeOne Wealth, LLC. Clients Excel, LLC and CreativeOne Wealth are not affiliated companies. Licensed Insurance Professionals. Investing involves risk, including potential loss of principal. Any references to protection or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the insuring carrier. Annuity withdrawals are subject to ordinary income taxes and potentially a 10% IRS penalty before age 59-1/2. Roth distributions are tax free after age 59-1/2 and the account has been open for at least 5 years. This video is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet particular needs of an individual’s situation. Clients Excel is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Clients Excel. The use of logos and/or trademarks of hosting sites are the property of their respective owners and are not an endorsement by those owners of our firm or our program.

    11 min
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About

Where financial planning becomes understandable. David brings interesting stories each week to listeners of his Excel in Retirement show along with actionable ideas that may help listeners avoid pitfalls that many people face in their retirement. David C. Treece began his career in the financial services industry in 2011. He is an independent financial adviser. He has passed the Series 65 securities exam, and he is health and life insurance licensed in several states. David’s financial advisory firm focuses on retirement income planning.David worked for two other financial advisors before founding his firm in 2018. David launched Clients Excel because he has a desire for his clients to have a second to none experience when it comes to their financial planning for retirement. David relentlessly strives to be the best at helping people prepare for retirement.The bedrock of David’s ethos is treating others as he would want to be treated.David works tirelessly to continually bring pertinent content to our clients and friends through our weekly newsletter and podcast. Through these, David brings informative content that may aid you in preparing for retirement. Through his financial planning work, David’s hope is that his clients are empowered to have a confident financial future.David and his wife, Mallory, have a daughter named Amelia and rescue dog named Oscar. They also have a backyard flock of chickens that Amelia loves to tend. David and his family are active in their church in Spartanburg. He is also a volunteer mentor with JumpStart, which is a ministry for people who have been recently released from prison.

Information

  • Creator
    David C. Treece
  • Years Active
    2020 - 2024
  • Episodes
    129
  • Rating
    Clean
  • Copyright
    © 2025 Excel in Retirement
  • Show Website
    Excel in Retirement