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
Paying extra tax on purpose can feel backwards when you're trying to protect your retirement savings. But what if a carefully planned Roth conversion today could give you more control over your tax bill tomorrow? In this week’s episode of Money Talk with Michael Eastham, he answers a viewer’s question: “Should you still do a Roth conversion just to fill your tax bracket?” You’ll hear a simple breakdown of what it means to convert up to—but not through—the top of your current tax bracket or IRMAA tier, so you can see where your own “line in the sand” might be. He also explains why using outside cash to pay the tax can help keep more of your retirement dollars working for you. You’ll see how your time horizon matters, too: a longer runway, or plans to leave money to heirs, can make Roth growth more appealing over time. It all comes back to one idea—paying some tax now to gain flexibility later. He walks through these decisions step by step in plain language, so you’re not left guessing or reacting to headlines. Use this episode as a starting point for a conversation with your own tax or financial professional. Watch now to understand the trade-offs, feel more confident about your next move, and decide whether a bracket-filling Roth conversion fits your retirement picture. Then like this video and subscribe so you don’t miss future Tuesday tips. #RothConversion #RetirementPlanning #TaxSmartRetirement Please send any questions you may have to info@fellowshipia.com 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.
Should You Still Do a Roth Conversion to Fill Your Tax Bracket?
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLm9VX3U2YTgzM0Y4
If you’re in your 70s with a large IRA, those Required Minimum Distributions can feel like a yearly tax penalty on your savings. In this episode of Money Talk with Michael Eastham, he answers a common viewer question: “I’m 73 with a big IRA—can giving to charity help reduce my RMD taxes this year?” He walks through how Qualified Charitable Distributions (QCDs) work for those age 70½ and older, and how sending money directly from your IRA to a qualified charity can help satisfy your RMD while supporting causes you care about. 💚 You’ll learn why the sequence matters—why it can be wise to do QCDs first so those dollars never show up in your Adjusted Gross Income in the first place, instead of trying to “fix” the tax bill later. He also highlights the basics of choosing eligible charities and why keeping your acknowledgment letters and donation records in one safe place is so important. 🧾 Understanding how QCDs fit into your RMD plan can bring more peace of mind when those RMD notices arrive each year and help you feel more intentional with both your giving and your tax planning. As always, this is general education, so be sure to talk with your tax professional about your specific situation. 🙏 Watch now to see how charitable and tax‑smart can work together in your retirement. #RetirementIncome #RMDs #CharitableGiving Please send any questions you may have to info@fellowshipia.com 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.
Lower RMD Taxes by Giving to Charity Directly From Your IRA
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLnV0MVhCNzYzRmdF
Worried your teacher pension could reduce Social Security and leave your younger spouse with less? In this episode of Money Talk with Michael Eastham, he explains how teacher pensions and Social Security interact—and why your claiming age can be pivotal when your spouse is younger. You’ll learn, in plain English, about the special Social Security rules that can reduce benefits for people with non-covered pensions (often called the Windfall Elimination Provision and Government Pension Offset), how a survivor-focused strategy can help protect your younger spouse, and practical ways to coordinate pension income and earnings to help manage how much of your Social Security is taxed. 🧮 Michael walks through a simple, household-first framework so you’re not optimizing one benefit while accidentally shrinking the survivor benefit. You’ll come away with a clearer path to timing your claim, protecting your spouse, and building more predictable income—so retirement feels calmer and more under control. 🧭 If you or someone you love has a teacher pension and a younger spouse, this video is for you. Watch now, give it a 👍 if it helps, and share it with a friend nearing retirement. #RetirementIncome #SocialSecurity #TeacherPension Please send any questions you may have to info@fellowshipia.com 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.
Teacher Pension & Social Security: Protect a Younger Spouse
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLjdXMGw5UHJ3OUdv
Small moves before December 31 can reshape next year’s tax picture—and your retirement cash flow. On Money Talk with Michael Eastham, he walks you through practical, do able steps you can still take before December 31 in Before December 31: Year End RMD, Roth, and Charitable Tax Moves. 🗓️ Bracket check: confirm RMDs are satisfied; review this year’s gains; and calibrate any Roth conversions without drifting into a higher tax bracket or triggering IRMAA (Medicare) surcharges. 🙏 Charitable tactics: if you give, consider a qualified charitable distribution (QCD) directly from an IRA, or bunch several years of gifts using a donor advised fund so your generosity does the most good in a tax smart way. 🧭 Portfolio & cash: rebalance back to your target; set next year’s withdrawal cadence; and top up a dedicated cash reserve so market swings don’t dictate your paycheck. You’ll also hear how a simple year end bracket check can reveal “creep” from RMDs and gains, helping you decide whether a modest Roth conversion still makes sense this year. A short checklist now can reduce surprises and increase peace of mind when you file next year. If this helped, tap 👍 and subscribe so you don’t miss next week’s viewer question. Educational only—talk with your tax professional about your situation. Watch now. #YearEndPlanning #TaxSmartRetirement #RetirementPlanning Please send any questions you may have to info@fellowshipia.com 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.
Before December 31: Year End RMD, Roth, and Charitable Tax Moves
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLjVmNUs4MUNuckNB
You want income you can count on without risking your nest egg. In this week’s Money Talk with Michael Eastham, he explains—in plain English—how CDs and annuities approach the two things retirees care about most: protecting principal and generating income. You’ll get a calm, side‑by‑side comparison to help you think clearly before making a decision. What you’ll learn: - How each typically treats principal protection 🔒 - How income is structured—and what can influence it over time 💵 - Access to your money and time commitments to consider ⏳ - A simple way to think about which option may fit your goals 🎯 This is straightforward education to help you ask better questions and choose with more confidence—no hype, no hard sell. Watch now and get a clear framework you can use in your own planning. Watch now. #RetirementIncome #PrincipalProtection #CDsVsAnnuities Please send any questions you may have to info@fellowshipia.com 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.
CDs vs Annuities: Which Protects Your Principal and Income?
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLmFGMkVjXy1hTGJR
“I’m 64 and still working, but my wife just started Social Security. Should I claim now or wait until I retire at 66?” In this week’s Money Talk with Michael Eastham, he addresses this real‑life question and shares how he frames the choice between claiming now while still working or waiting until 66—especially when a spouse has already started. ⏳💬 Watch to hear his take and see how he thinks through timing, current income needs, and coordination with a spouse’s benefit in a situation like this. 👉 New episodes on Tuesdays. #SocialSecurity #RetirementPlanning #MoneyTalk Please send any questions you may have to info@fellowshipia.com 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.
Social Security at 64 While Working: Claim Now or Wait Until 66?
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLlluOHVLbkcwMjNB
Money Talk with Michael Eastham — In this week’s episode, Michael tackles one of the most common questions near-retirees are asking: 👉 “We’re getting close to retirement and keep hearing about Roth conversions—how do we know if it’s right for us?” If you’ve been wondering whether a Roth conversion could help you build more tax-efficient income in retirement—or if it could end up costing you more—this episode is for you. Michael breaks down how to think through the decision so you can move forward with clarity and confidence as you approach retirement. 🎥 Watch the full episode of Money Talk with Michael Eastham to find out what steps you should consider before deciding. #RothConversion #RetirementPlanning #MoneyTalkWithMichaelEastham Please send any questions you may have to info@fellowshipia.com 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.
Are Roth Conversions Right for You as You Near Retirement?
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLjU3Rk44YkQ2SGFJ
Lock Down Your Legacy: Make Sure Your Money Lands in the Right Hands You’ve worked hard to build your savings—so how can you make sure it ends up where it belongs? 🔒 In this week’s episode of Money Talk with Michael Eastham, he shares insights to help you think through how to protect what you’ve earned and ensure your financial legacy reaches the right people. This conversation can help you feel more confident about the steps you’re taking to secure your future and your family’s. Watch Money Talk with Michael Eastham and learn how to take control of your legacy today. ▶️ #RetirementPlanning #FinancialLegacy #MoneyTalk Please send any questions you may have to info@fellowshipia.com 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.
Lock Down Your Legacy: Make Sure Your Money Lands in the Right Hands.
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLm5sMHVHeVlXWnk4
Inflation vs. Your Retirement: Protect Your Purchasing Power In this week’s episode of Money Talk with Michael Eastham, he breaks down how rising prices quietly erode a retiree’s lifestyle—and the practical moves you can use to fight back. 💪💵 You’ll learn: - What “purchasing power” really means for your retirement budget 🧾 - How to build income that can rise with inflation - Smart ways to use cash reserves, dividends/interest, and laddered strategies - Why relying on Social Security alone may leave a gap—and how to fill it A simple checklist to stress-test your plan for higher costs If you’re 55–75 and want your savings to feel like a reliable paycheck, not a guessing game, this is for you. 👉 Watch now to protect your lifestyle and keep your retirement on track. #RetirementPlanning #Inflation #PurchasingPower Please send any questions you may have to info@fellowshipia.com 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.
Inflation vs. Your Retirement: Protect Your Purchasing Power
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLnZCd0hlNldxYThN
Load More... Subscribe