Fellowship Financial Group

Welcome to the official YouTube channel for Fellowship Financial Group!

Fellowship Financial Group provides retirement planning services designed to educate clients about their best options for meeting their current financial needs, achieving their long-term financial goals, avoiding common retirement planning mistakes, and enjoying a lifetime of financial security.

The goal is to teach clients how to enjoy reliable portfolio growth and security through conservative investment options designed to generate income through interest and dividends regardless of market conditions. This is income that can be spent or reinvested for dependable “organic” portfolio growth.

Fellowship Financial Group
A lot of retirees pictured more travel, but rising costs can change how realistic that feels. In this week’s episode of Money Talk with Michael Eastham, he answers a viewer question about how retirees can adjust travel plans when everything costs more now. Michael explains why retirees should not assume the whole goal is gone. He talks through reworking priorities, looking at whether the plan is leaning more toward growth or income, and thinking about timing, frequency, and overall travel style before cutting it completely. A good plan makes room for lifestyle changes without turning them into a source of frustration. If travel is still important to you, this episode offers a practical way to think through adjustments without giving up what you were looking forward to. Watch below, and like, subscribe, and leave your question in the comments to be a part of a future episode. #RetirementPlanning #RetirementLifestyle #TravelPlanning This content is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investment Advisory services offered through Fellowship Investment Advisors, LLC, an SEC Registered Investment Advisor. Schedule a FREE 15-minute call with Michael to discuss any questions further: https://calendly.com/fellowshipfinancial/15-minute-complimentary-consultation-mtwm Visit our website for more info: https://fellowshipfinancial.com/ Visit us on social media: https://soundcloud.com/fellowshipfinancial https://www.facebook.com/fellowshipfinancialgroup/ https://www.linkedin.com/company/fellowshipfinancialgroup Michael Eastham, CPA, PFS, is the founding Principal of Fellowship Financial Group in Maitland, Florida. Eastham has been involved in financial services for more than 25 years. He is an active member of the American Institute of CPAs and has earned their Personal Financial Specialist (PFS) designation. He has a BBA in Accounting from James Madison University and holds Series 65 & 63 securities licenses, as well as licenses in Insurance and Annuities. Eastham is the author of the bestselling book Common-Sense Income Strategies and is a recognized specialist in the areas of financial strategies, retirement planning, and asset protection. He is the host of the financial radio show, The Retirement Income Show.
Travel Costs Are Up: How Retirees Can Adjust Without Giving Up Travel
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLmVnMFlWcm9nU3BV
It is common for one spouse to want more growth while the other wants more safety, especially as retirement gets closer. In this week’s episode of Money Talk with Michael Eastham, Michael answers a viewer question about how couples can meet in the middle without turning every investment conversation into an argument. Michael explains why it helps to begin with shared retirement goals before debating individual investments. He also discusses how much of a market decline each spouse can realistically tolerate and how separating money needed for retirement income from money intended for longer-term growth may help create a plan both people can support. A good plan should not feel like one person won and the other gave in. It should give both spouses confidence in the path forward. Watch the episode, then leave your question for Michael in the comments and subscribe for future Money Talk videos. #RetirementPlanning #CouplesAndMoney #InvestmentRisk This content is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investment Advisory services offered through Fellowship Investment Advisors, LLC, an SEC Registered Investment Advisor. Schedule a FREE 15-minute call with Michael to discuss any questions further: https://calendly.com/fellowshipfinancial/15-minute-complimentary-consultation-mtwm Visit our website for more info: https://fellowshipfinancial.com/ Visit us on social media: https://soundcloud.com/fellowshipfinancial https://www.facebook.com/fellowshipfinancialgroup/ https://www.linkedin.com/company/fellowshipfinancialgroup Michael Eastham, CPA, PFS, is the founding Principal of Fellowship Financial Group in Maitland, Florida. Eastham has been involved in financial services for more than 25 years. He is an active member of the American Institute of CPAs and has earned their Personal Financial Specialist (PFS) designation. He has a BBA in Accounting from James Madison University and holds Series 65 & 63 securities licenses, as well as licenses in Insurance and Annuities. Eastham is the author of the bestselling book Common-Sense Income Strategies and is a recognized specialist in the areas of financial strategies, retirement planning, and asset protection. He is the host of the financial radio show, The Retirement Income Show.
When One Spouse Wants Growth and the Other Wants Safety
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLjV5MTllanNWbDdV
An inheritance can bring gratitude, grief, and pressure to act—all at the same time. In this week’s episode of Money Talk with Michael Eastham, Michael answers a viewer question about what to do first after receiving inherited cash. He explains why it may help to slow down, temporarily keep the money somewhere appropriate, and review your debts, reserves, and near-term needs before making a major decision. Most importantly, the money should have a clear purpose and fit into your broader retirement and financial plan. The goal is not to rush into a brand-new strategy. It is to make a thoughtful decision that supports the life you are already building. Watch the episode, and if it was helpful, like and subscribe so you don’t miss next week’s question. #RetirementPlanning #InheritedMoney #FinancialClarity This content is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investment Advisory services offered through Fellowship Investment Advisors, LLC, an SEC Registered Investment Advisor. Schedule a FREE 15-minute call with Michael to discuss any questions further: https://calendly.com/fellowshipfinancial/15-minute-complimentary-consultation-mtwm Visit our website for more info: https://fellowshipfinancial.com/ Visit us on social media: https://soundcloud.com/fellowshipfinancial https://www.facebook.com/fellowshipfinancialgroup/ https://www.linkedin.com/company/fellowshipfinancialgroup Michael Eastham, CPA, PFS, is the founding Principal of Fellowship Financial Group in Maitland, Florida. Eastham has been involved in financial services for more than 25 years. He is an active member of the American Institute of CPAs and has earned their Personal Financial Specialist (PFS) designation. He has a BBA in Accounting from James Madison University and holds Series 65 & 63 securities licenses, as well as licenses in Insurance and Annuities. Eastham is the author of the bestselling book Common-Sense Income Strategies and is a recognized specialist in the areas of financial strategies, retirement planning, and asset protection. He is the host of the financial radio show, The Retirement Income Show.
Inherited Cash? What to Do Before You Make a Move
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLnFmYkNDLUZMODdN
Social Security is an important part of retirement income for many households—but how much should your overall plan depend on it? In this week’s episode of Money Talk with Michael Eastham, Michael answers this viewer question: “I keep hearing Social Security could change. Should I plan on getting less?” Rather than trying to predict every possible future change, Michael focuses on the areas retirees and pre-retirees can evaluate now. He explains why it helps to understand what role Social Security is expected to play in covering essential monthly expenses, how cost-of-living adjustments fit into the conversation, and whether the rest of the retirement plan has enough flexibility. He also brings the discussion back to the decisions that remain within your control, including savings, spending, and the timing of retirement-income choices. A retirement plan does not have to predict every future change. It should be able to adjust as circumstances, expenses, and personal needs evolve. Watch the episode, then like, subscribe, and leave your question in the comments for a future Money Talk. #RetirementPlanning #SocialSecurity #RetirementIncome This content is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investment Advisory services offered through Fellowship Investment Advisors, LLC, an SEC Registered Investment Advisor. Schedule a FREE 15-minute call with Michael to discuss any questions further: https://calendly.com/fellowshipfinancial/15-minute-complimentary-consultation-mtwm Visit our website for more info: https://fellowshipfinancial.com/ Visit us on social media: https://soundcloud.com/fellowshipfinancial https://www.facebook.com/fellowshipfinancialgroup/ https://www.linkedin.com/company/fellowshipfinancialgroup Michael Eastham, CPA, PFS, is the founding Principal of Fellowship Financial Group in Maitland, Florida. Eastham has been involved in financial services for more than 25 years. He is an active member of the American Institute of CPAs and has earned their Personal Financial Specialist (PFS) designation. He has a BBA in Accounting from James Madison University and holds Series 65 & 63 securities licenses, as well as licenses in Insurance and Annuities. Eastham is the author of the bestselling book Common-Sense Income Strategies and is a recognized specialist in the areas of financial strategies, retirement planning, and asset protection. He is the host of the financial radio show, The Retirement Income Show.
How Much Should Your Retirement Plan Depend on Social Security?
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLkg3OXlBQzcyUTE4
Would you sleep better entering retirement with no mortgage—or with more cash available? In this week’s episode of Money Talk with Michael Eastham, Michael answers a question many homeowners face: should you pay off the mortgage before retirement or keep more cash on hand? This is as much a “sleep number” decision as a financial one. Michael explains why it helps to compare the comfort of removing a monthly payment with the flexibility of keeping cash available. He also looks at how dependable your retirement income may be and how much of a reserve would remain after the payoff. Where the payoff money comes from matters, too. Using cash savings may reduce the money available for repairs, healthcare costs, and other unexpected expenses. Taking a large distribution from a tax-deferred retirement account may increase taxable income. Those tradeoffs should be considered as part of the broader retirement income plan and coordinated with your tax professional. Watch now, and if you have a question like this, drop it below and don’t forget to subscribe. #RetirementPlanning #MortgagePayoff #RetirementIncome This content is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investment Advisory services offered through Fellowship Investment Advisors, LLC, an SEC Registered Investment Advisor. Schedule a FREE 15-minute call with Michael to discuss any questions further: https://calendly.com/fellowshipfinancial/15-minute-complimentary-consultation-mtwm Visit our website for more info: https://fellowshipfinancial.com/ Visit us on social media: https://soundcloud.com/fellowshipfinancial https://www.facebook.com/fellowshipfinancialgroup/ https://www.linkedin.com/company/fellowshipfinancialgroup Michael Eastham, CPA, PFS, is the founding Principal of Fellowship Financial Group in Maitland, Florida. Eastham has been involved in financial services for more than 25 years. He is an active member of the American Institute of CPAs and has earned their Personal Financial Specialist (PFS) designation. He has a BBA in Accounting from James Madison University and holds Series 65 & 63 securities licenses, as well as licenses in Insurance and Annuities. Eastham is the author of the bestselling book Common-Sense Income Strategies and is a recognized specialist in the areas of financial strategies, retirement planning, and asset protection. He is the host of the financial radio show, The Retirement Income Show.
Pay Off the Mortgage Before Retirement—or Keep the Cash?
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLlpkUjhQQnZ5T0NZ
Are you helping an aging parent and worried it could hurt your own retirement? In this week’s episode of Money Talk with Michael Eastham, he answers the viewer question: “I’m helping an aging parent. How do I do that without hurting my own retirement?” Many people are part of the “sandwich generation” — helping aging parents, supporting adult children, and still trying to keep their own retirement plan on track. Caregiving can bring emotional stress, financial pressure, long-term care questions, Medicaid planning concerns, and unexpected costs like assisted living or nursing home care. In this episode, Michael shares why it’s important to: Be honest about what support you can realistically afford Protect your own retirement savings and monthly needs Create a clear plan instead of reacting to one emergency at a time Understand when Medicaid and long-term care planning may need to be part of the conversation Helping family is an act of love, but it still needs a plan. If this was helpful, like and subscribe so you don’t miss next week’s question. #RetirementPlanning #AgingParents #LongTermCare Investment Advisory services offered through Fellowship Investment Advisors, LLC, an SEC Registered Investment Advisor. This content is for educational purposes only and should not be considered individualized financial, legal, or tax advice. Medicaid and long-term care planning rules vary by state. Please consult qualified professionals before making decisions. Schedule a FREE 15-minute call with Michael to discuss any questions further: https://calendly.com/fellowshipfinancial/15-minute-complimentary-consultation-mtwm Visit our website for more info: https://fellowshipfinancial.com/ Visit us on social media: https://soundcloud.com/fellowshipfinancial https://www.facebook.com/fellowshipfinancialgroup/ https://www.linkedin.com/company/fellowshipfinancialgroup The Retirement Income Show with Michael Eastham Podcast is now available to stream for FREE wherever you get your podcasts. Michael Eastham, CPA, PFS, is the founding Principal of Fellowship Financial Group in Maitland, Florida. Eastham has been involved in financial services for more than 25 years. He is an active member of the American Institute of CPAs and has earned their Personal Financial Specialist (PFS) designation. He has a BBA in Accounting from James Madison University and holds Series 65 & 63 securities licenses, as well as licenses in Insurance and Annuities. Eastham is the author of the bestselling book Common-Sense Income Strategies and is a recognized specialist in the areas of financial strategies, retirement planning, and asset protection. He is the host of the financial radio show, The Retirement Income Show.
Helping an Aging Parent Without Hurting Your Retirement
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLnVCWWxhOU9VbjYw
Everything seems to cost more, and that can create real stress in retirement. In this week’s Money Talk, Michael Eastham answers a viewer question: “Everything costs more again. Do we need to cut back now or ride it out?” Rising costs can make even people with solid savings start second-guessing everyday spending. But before making drastic cuts, it can help to step back and look at the full picture. Michael discusses why retirees may want to separate temporary pressure from lasting changes in spending needs, look for a few meaningful adjustments instead of cutting everything at once, and review whether their income plan still fits today’s reality. Have a question for a future Money Talk? Leave it in the comments, and don’t forget to like and subscribe. Investment Advisory services offered through Fellowship Investment Advisors, LLC, an SEC Registered Investment Advisor. This content is for educational purposes only and s Schedule a FREE 15-minute call with Michael to discuss any questions further: https://calendly.com/fellowshipfinancial/15-minute-complimentary-consultation-mtwm Visit our website for more info: https://fellowshipfinancial.com/ Visit us on social media: https://soundcloud.com/fellowshipfinancial https://www.facebook.com/fellowshipfinancialgroup/ https://www.linkedin.com/company/fellowshipfinancialgroup The Retirement Income Show with Michael Eastham Podcast is now available to stream for FREE wherever you get your podcasts. Michael Eastham, CPA, PFS, is the founding Principal of Fellowship Financial Group in Maitland, Florida. Eastham has been involved in financial services for more than 25 years. He is an active member of the American Institute of CPAs and has earned their Personal Financial Specialist (PFS) designation. He has a BBA in Accounting from James Madison University and holds Series 65 & 63 securities licenses, as well as licenses in Insurance and Annuities. Eastham is the author of the bestselling book Common-Sense Income Strategies and is a recognized specialist in the areas of financial strategies, retirement planning, and asset protection. He is the host of the financial radio show, The Retirement Income Show.
Rising Costs in Retirement: Cut Back or Ride It Out?
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLk1vSmJHLXhkck9v
A lot of people hold onto a stock longer than they intended because they are worried about the tax bill. In this episode of Money Talk with Michael Eastham, he answers a viewer question: “I want to sell some stock, but I’m worried about taxes. What should I think through?” He talks through why it can help to look at the after-tax result, consider your income and timing for the year, and ask whether the stock still fits your overall plan and risk level. Have a question for a future Money Talk? Drop it in the comments below, and don’t forget to like and subscribe. This content is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investment Advisory services offered through Fellowship Investment Advisors, LLC, an SEC Registered Investment Advisor. Schedule a FREE 15-minute call with Michael to discuss any questions further: https://calendly.com/fellowshipfinancial/15-minute-complimentary-consultation-mtwm Visit our website for more info: https://fellowshipfinancial.com/ Visit us on social media: https://soundcloud.com/fellowshipfinancial https://www.facebook.com/fellowshipfinancialgroup/ https://www.linkedin.com/company/fellowshipfinancialgroup The Retirement Income Show with Michael Eastham Podcast is now available to stream for FREE wherever you get your podcasts. Michael Eastham, CPA, PFS, is the founding Principal of Fellowship Financial Group in Maitland, Florida. Eastham has been involved in financial services for more than 25 years. He is an active member of the American Institute of CPAs and has earned their Personal Financial Specialist (PFS) designation. He has a BBA in Accounting from James Madison University and holds Series 65 & 63 securities licenses, as well as licenses in Insurance and Annuities. Eastham is the author of the bestselling book Common-Sense Income Strategies and is a recognized specialist in the areas of financial strategies, retirement planning, and asset protection. He is the host of the financial radio show, The Retirement Income Show.
Selling Stock? Consider Taxes, Timing, and Your Bigger Plan
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLlM1SkNyWmNLcjBj
No spouse should be left scrambling to find accounts, passwords, bills, or key contacts during a difficult moment. In this week’s episode of Money Talk with Michael Eastham, he answers a viewer question many couples may quietly relate to: “My spouse handles the money. What do we need to organize in case something happens?” This conversation is less about becoming a financial expert and more about making sure both spouses understand the basics of the plan. If one person usually handles the household money, the other spouse should still know where to find important information and who to contact when questions come up. You’ll hear simple, practical steps for organizing a list of accounts, income sources, bills, and key contacts. The episode also covers the importance of knowing where passwords, documents, and important records are kept so nothing has to be figured out under stress. The goal is peace of mind. When both spouses know the basics, it can help reduce confusion and make the household feel more prepared. Watch now, and if this was helpful, like and subscribe so you don’t miss next week’s question. #RetirementPlanning #MoneyTalk #FinancialOrganization Schedule a FREE 15-minute call with Michael to discuss any questions further: https://calendly.com/fellowshipfinancial/15-minute-complimentary-consultation-mtwm Visit our website for more info: https://fellowshipfinancial.com/ Visit us on social media: https://soundcloud.com/fellowshipfinancial https://www.facebook.com/fellowshipfinancialgroup/ https://www.linkedin.com/company/fellowshipfinancialgroup The Retirement Income Show with Michael Eastham Podcast is now available to stream for FREE wherever you get your podcasts. Michael Eastham, CPA, PFS, is the founding Principal of Fellowship Financial Group in Maitland, Florida. Eastham has been involved in financial services for more than 25 years. He is an active member of the American Institute of CPAs and has earned their Personal Financial Specialist (PFS) designation. He has a BBA in Accounting from James Madison University and holds Series 65 & 63 securities licenses, as well as licenses in Insurance and Annuities. Eastham is the author of the bestselling book Common-Sense Income Strategies and is a recognized specialist in the areas of financial strategies, retirement planning, and asset protection. He is the host of the financial radio show, The Retirement Income Show.
When One Spouse Handles the Money: What to Organize First
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLnYzRmdLY0djNUVB
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