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
Retiring from a large company can feel overwhelming when you need to decide what to do with your 401(k) and how to build an income plan at the same time. A clearer starting point can help you step into retirement with more confidence and peace of mind. In this week’s episode of Money Talk with Michael Eastham, he answers a viewer question about leaving a big employer and making the rollover decision before retirement begins. He walks through the main choices: keeping money in the plan, rolling it to an IRA, or using a partial approach. He also explains why it helps to compare costs, the investment menu, and access to advice before making a move. This episode also highlights special rules that can affect your next step, including company stock considerations such as NUA and the age-55 penalty exception inside the 401(k). From there, the focus shifts to income planning—mapping withdrawals, thinking through taxes, and setting up cash buckets on day one. If you are retiring soon and want a better framework for your 401(k) and income plan, this week’s question is a helpful place to start. Watch now, and if this helped, please like and subscribe so you don’t miss next week’s question. #401k #RetirementIncome #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.
Retiring Soon? What to Do With Your 401(k) and Income Plan
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLi0xRGFHYWEtYlM4
One IRA beneficiary choice can affect taxes, access, and how much protection your family has when the time comes. Making that decision on purpose can give you more confidence and peace of mind. In this week’s episode of Money Talk with Michael Eastham, he answers a question many families ask: Should your trust be the beneficiary of your IRA, or is naming your children directly the safer choice? This is one of those decisions that can look simple on paper but carry real consequences for the people you care about most. The beneficiary form helps determine how smoothly assets move, how quickly beneficiaries can act, and how much structure is built into the process. This week, discover why naming individuals is often the simpler route. It can mean faster access for beneficiaries and cleaner 10-year rules, which is why many families prefer the direct approach when simplicity is the goal. He also explains why some families still choose a trust. A trust can offer more control and protection, but it adds complexity and needs to qualify as a see-through trust if it is going to be used. The key is to start with intent, not defaults. If your beneficiaries are minors or have special needs, the extra complexity of a trust may be worth it. If not, the simpler choice may be the better fit. Name beneficiaries on purpose, not by default. Watch now, like and subscribe, and check the next video on your screen for more retirement answers. #IRABeneficiaries #RetirementPlanning #EstatePlanning 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.
IRA Beneficiaries: Trust or Name Your Children Directly?
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLjFUeFkwWi1hZUk4
You want the house to go to your children without leaving behind confusion or unnecessary delays. Understanding the right planning tool can bring more peace of mind as you organize what happens next. In this week’s episode of Money Talk with Michael Eastham, he answers a viewer question: “We want the house to go to our three kids. Should we use a Lady Bird deed or a revocable trust?” This episode walks through the difference in scope between the two options. A Lady Bird deed lets you retain control during life and transfer the home at death, which may appeal to those looking for a simpler, lower-cost approach. A revocable trust adds incapacity planning and broader asset coordination, making it a more comprehensive planning tool for some families. Rather than offering a one-size-fits-all answer, he helps you understand what each tool is designed to do. He also explains why important details still need to be confirmed before making a decision. Homestead, step-up, and creditor issues can all affect how a plan fits your overall goals, so counsel should review those details carefully. If passing your home thoughtfully to your children is part of your estate map, this is a helpful episode to watch. Choose the tool that fits your plan, then like, subscribe, and save this video so you can revisit it when you’re planning. #EstatePlanning #LadyBirdDeed #RevocableTrust 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.
Want the House to Go to Your Children? Lady Bird Deed vs. Trust
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLmxvNTBaRjZWNW9B
Trying to create dependable retirement income without taking unnecessary risk can feel harder when bond choices look similar on the surface. In this week’s episode of Money Talk with Michael Eastham, he answers an important question for retirees: are AA-rated municipal bonds better than Treasuries in a taxable account? Using a Florida retiree example, he starts where the comparison should start when there is no state income tax: federal tax math. You’ll learn why tax-equivalent yield matters before making a decision, and why the higher-looking yield is not always the better fit after taxes. He also walks through an important risk and quality distinction. Treasuries are often viewed as the top credit choice, while municipal bonds can vary by issuer and may also bring AMT considerations into the conversation. This episode also highlights why laddering and liquidity matter in retirement. Matching bond maturities to spending timelines can help you think more clearly about when the money may be needed and how much flexibility you want to keep. That kind of planning can help support more confidence and peace of mind. Before you buy, do the yield math carefully. Watch this week’s episode, then like and subscribe so you catch every Tuesday’s tip. #RetirementPlanning #MunicipalBonds #Treasuries 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 Municipal Bonds Better Than Treasuries for Retirees?
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLmxJRjNpSlRmNlM4
If your old variable annuity feels expensive and complicated, this episode is for you. In this week’s episode of Money Talk with Michael Eastham, he answers a common viewer question: “I have a 2007 variable annuity with high fees. What should I do with it—and should I switch to a lower‑cost fixed indexed annuity?” Before you make any move, start with a simple 1035 exchange checklist and a clear inventory of what you actually own: ✅ Fees: What are you paying each year (and for what)? ✅ Surrender charges: Are there penalties for exiting the contract right now? ✅ Riders & features: Which optional riders are attached, and what do they cost? ✅ Guarantees: Are there benefits you could lose if you change contracts? He also explains why a 1035 exchange is often part of the conversation—because it may help preserve tax deferral when moving from one annuity to another, rather than cashing out and potentially giving up valuable benefits. Finally, he walks through the idea of alternatives, including whether a lower‑cost fixed or fixed‑indexed annuity might be worth considering for protection and/or income—depending on your goals and the details of your current contract. Keep the value. Lose the bloat. 👍 Watch now, and drop your question in the comments for a future episode. #RetirementPlanning #Annuities #FinancialEducation 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.
Old Variable Annuity Too Expensive? 1035 Exchange Checklist
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLjRLVEFUcTFDWjhz
Home insurance premiums are squeezing retiree budgets—and the “right” response isn’t always obvious. In this week’s Money Talk with Michael Eastham, he answers a viewer question: “Our home insurance jumped. How should we balance higher deductibles, self‑insuring, and cash reserves?” Here’s what he walks through (in plain English): ✅ Higher deductibles: A higher deductible can reduce premiums, but it also means you’re choosing to cover the first part of a loss yourself. He explains how this can be a practical way to self‑insure smaller claims while still keeping catastrophe protection in place. ✅ Cash reserves: If you raise your deductible, make sure your cash plan can support it. He discusses holding enough liquid cash to cover the deductible, plus a few months’ expenses—so a surprise bill doesn’t force a stressful financial decision. ✅ Mitigation: Don’t assume your current policy is your only option. He discusses shopping carriers, and how certain home upgrades can potentially lower premiums over time. The goal is to balance protection and cash flow—so you can feel confident about your plan even when costs rise. ▶️ Watch now below. Then give it a thumbs‑up, share it with a friend nearing retirement, and subscribe for more weekly answers. #RetirementPlanning #HomeInsurance #FinancialWellness 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.
Home Insurance Jumped? Higher Deductible + Cash Reserve Plan
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLjdpS0laZ3hyd1NB
Turning 65 and enrolling in Medicare is a big milestone—and it changes how your HSA works. In this week’s episode of Money Talk with Michael Eastham, he answers a question many pre‑retirees ask right at the finish line: “I’m starting Medicare at 65. What should I do with my HSA now?” HSAs are powerful, but the rules shift when Medicare begins. In this video, he walks through three practical steps to help you handle the handoff cleanly: 1) Stop contributions in time Plan to stop HSA contributions about 6 months before you enroll in Medicare Part A. 2) Spend smart once Medicare starts Your HSA can be used to pay certain Medicare premiums—Part B, Part D, and Medicare Advantage premiums (but not Medigap). 3) Keep your receipts Save receipts so you can reimburse yourself tax‑free later—even years down the road. If you’re approaching 65, this is a simple checklist you can use to reduce surprises and feel more confident about the transition. If you’re already close to enrolling, use the same three points as a quick “handoff” review. For educational purposes only. 👍 Tap like if this clarified things, subscribe for next week’s viewer question, and watch the episode now. #Medicare #HSA #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.
Medicare + HSA: When to Stop Contributions and How to Spend
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLkdMS0xibk9zMG5V
If you’re retiring now, an early market drop can put your paycheck at risk. Markets don’t have to crash to create problems—when withdrawals start at the same time your portfolio is down, those early losses can have an outsized impact over your lifetime. That’s the heart of sequence-of-returns risk, and it’s why having an “income plan” matters as much as an investment plan. In this week’s Money Talk with Michael Eastham, he answers a common question: “We’re starting retirement. How do we protect our income if markets drop early?” You’ll learn three practical, stability-first ideas to consider: ✅ Cash bucket: Keeping 1–2 years of planned withdrawals in cash so you’re not forced to sell investments when prices are down. ✅ Guardrails: Using dynamic withdrawals that can flex with the market instead of locking yourself into a rigid number. ✅ Income floor: Leaning on steady sources like pensions/annuities to cover essentials and help stabilize the basics. When you know where next month’s paycheck is coming from—even in a down market—it can bring real peace of mind and help you stay focused on the long game. The goal isn’t to predict the market—it’s to build a plan that can keep your income more consistent when life happens. Stability first, growth second. ▶️ Watch the episode, then like, subscribe, and save this video so you can revisit it when you’re planning. #RetirementIncome #RetirementPlanning #SequenceRisk 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.
Markets Drop Early? Protect Your Retirement Income
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLmNkSzlPalZzdFZB
If you’re 65 and trying to keep more of what your money earns, where you hold an investment can matter as much as what you own. In this week’s episode of Money Talk with Michael Eastham, he answers a viewer question many retirees and pre-retirees wrestle with: Where should municipal bonds, bond funds, and dividend stocks live—your taxable account or an IRA? 🤔 The big idea is asset location—placing different types of investments in the accounts where they’re generally the best fit for tax efficiency. ✅ What you own matters—and where you own it matters too. Here’s the simple framework he walks through: - Taxable account: Often a home for broad equities/ETFs 📈 and, for those in higher tax brackets, it may make sense to consider municipal bonds 🏛️ - IRAs: Often a better “home” for ordinary-income assets like taxable bonds and REITs 💵 - Roth: Typically best reserved for highest-growth potential so you can maximize tax-free compounding 🚀 This isn’t about making things complicated—it’s about making your accounts work together more smoothly. Done thoughtfully, location can create a small, “quiet” boost to overall efficiency over time. ▶️ Watch the video now, then hit Like and Subscribe so you catch every Tuesday’s tip. 👍📺 #RetirementPlanning #TaxEfficientInvesting #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.
Taxable vs IRA vs Roth: Where to Hold Munis, Bonds & Dividend Stocks
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLm1lTVFmTkFXdkVV
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