About Excel in Retirement: Financial Stewardship for Lasting Confidence
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.
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 - "Plans fail for lack of counsel…"
Proverbs 12:15 - "The way of fools seems right to them, but the wise listen to advice."
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't about knowing everything yourself; it'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 humility
00:27 Proverbs The value of many advisors
01:05 The potential risks of isolating oneself and seeking wisdom
02:11 The importance of understanding and avoiding pride
03:33 Lessons from public figures' falls from grace
04:50 The roots of pride in the biblical story of Adam and Eve
05:49 The early signs of pride in human nature
07:02 Challenges of helping prideful clients and the importance of humility
09:14 The value of timing and seeking advice at the right moment
12:37 The risks of isolation and the importance of community
13:46 The biblical view of grace and the concept of a fall from grace
20:29 The story of the financial steward and the fall from grace
21:41 The craftiness of the devil and the importance of staying humble
22:23 How Proverbs can guide daily life and decision-making
23:37 Encouragement to seek advice and build humility in life
Google Reviews for David Treece
https://www.google.com/search?q=clients+excel+reviews (https://www.google.com/search?q=clients+excel+reviews)
Excel and Retirement Newsletter
https://www.excelinretirement.com (https://www.excelinretirement.com)
Reach out to David
hello@clientsexcel.com (mailto: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
11 Sept 2026
36. Why do people work with Clients Excel?
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 (https://www.google.com/search?q=clients+excel+reviews)
Excel and Retirement Newsletter
https://www.excelinretirement.com (https://www.excelinretirement.com/)
Reach out to David
hello@clientsexcel.com (mailto: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
27 Aug 2026
35. What Happens to us when we stop trusting Government & Media?
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 (https://www.google.com/search?q=clients+excel+reviews)
Excel In Retirement Newsletter
https://www.excelinretirement.com (https://www.excelinretirement.com/)
Reach out to David
hello@clientsexcel.com (mailto:hello@clientsexcel.com)
Links from the episode
Pew Research Center (Public Trust in Government 1958–2024): https://www.pewresearch.org/politics/2024/06/24/public-trust-in-government-1958-2024/ (https://www.pewresearch.org/politics/2024/06/24/public-trust-in-government-1958-2024/)
Gallup Historical Tracking (Confidence in Institutions & Media): https://news.gallup.com/poll/1597/confidence-institutions.aspx (https://news.gallup.com/poll/1597/confidence-institutions.aspx)
Bureau of Labor Statistics (BLS Benchmark Revisions Analysis): https://www.bls.gov/web/empsit/cesprelmod.htm (https://www.google.com/search?q=https%3A%2F%2Fwww.bls.gov%2Fweb%2Fempsit%2Fcesprelmod.htm)
Proverbs 21:20 (Principles of Reserve & Stewardship): https://www.biblegateway.com/passage/?search=Proverbs+21%3A20&version=NIV (https://www.biblegateway.com/passage/?search=Proverbs+21%3A20&version=NIV)
Georgia Man arrested for Ponzi scheme
https://www.justice.gov/usao-ndga/pr/alleged-mastermind-165-million-cryptocurrency-ponzi-scheme-facing-federal-charges (https://www.justice.gov/usao-ndga/pr/alleged-mastermind-165-million-cryptocurrency-ponzi-scheme-facing-federal-charges)
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Apple Podcasts (US)
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2 ratings
Spotify
5.0 / 5
1 ratings
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