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
If your drug costs keep changing, your retirement budget can drift higher before you realize it. In this week’s episode of Money Talk with Michael Eastham, he answers a viewer question: “My drug costs keep changing. Should I review my health plan every year?” Healthcare costs are one of the easiest areas for a retirement budget to shift over time. Even if your medications stay the same, prescription coverage may change from one year to the next. That means the plan that worked well before may not always fit the same way going forward. This episode explains why it is important to review your health plan costs, drug coverage, and pharmacy rules regularly. A quick annual review can help you catch changes before they turn into surprise costs later. For retirees and pre-retirees, staying aware of these details can make the retirement budget feel more manageable and support greater peace of mind. Watch now, and if you have a money-related question, like, subscribe, and leave your question in the comments for a future episode. #RetirementPlanning #HealthcareCosts #MoneyTalk 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.
Drug Costs Changed? Review Your Health Plan Each Year
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLk9sOHo3RzhMRkJV
Part-time work in retirement can be helpful, but it should fit your plan instead of quietly reshaping it. In this week’s episode of Money Talk with Michael Eastham, he answers a viewer question: “I may work part time in retirement. How does that affect the rest of my plan?” Working part time can be a real advantage in retirement when it is planned well. Even modest income may help reduce pressure on your savings in the early years of retirement, especially while you are adjusting to a new routine and deciding how much you truly need to spend. But part-time income does not stand alone. It can also affect other areas of your retirement plan, including taxes, benefits timing, and spending needs. That is why it is important to look at how the income fits into the bigger picture before making assumptions. The key is making sure the work supports the retirement lifestyle you want, rather than delaying it by accident. For many retirees, the goal is not simply to keep working. It is to create more flexibility, more confidence, and more peace of mind. Watch this week’s episode to learn how part-time work may affect the rest of your retirement plan. If you have a question like this, drop it below—and don’t forget to like and subscribe. #RetirementPlanning #RetirementIncome #MoneyTalk 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.
Working Part Time in Retirement: What It Means for Your Plan
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLnlDdFFvT01QRHVv
Having too much of your retirement savings in one stock can feel comfortable—until the timing turns against you. In this week’s episode of Money Talk with Michael Eastham, he answers a viewer question: “Most of our savings is in one stock. Is that too risky now?” A single stock may have helped build wealth, especially if it performed well over time. But when retirement is near or already here, the same holding that created opportunity can also create a different kind of risk. The key question is not only how strong the stock looks today. It’s what could happen if that one holding drops at the wrong time, when you may be relying on your savings for retirement income. This episode explains why concentrated stock risk can be larger than many people realize, why emotional all-at-once decisions may not be the best way to respond, and why reducing risk usually works better as a plan. It also touches on the importance of considering taxes, including the possibility of spreading changes across multiple years. If a large part of your savings is tied to one stock, this conversation can help you think more clearly about risk, timing, taxes, and peace of mind in retirement. Watch below, and if this was helpful, like and subscribe so you don’t miss next week’s question. #RetirementPlanning #InvestmentRisk #TaxPlanning 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.
Too Much in One Stock? Plan Around Risk, Timing, and Taxes
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLlVjNGdURGRMSnlV
Helping adult kids can feel complicated when you also need your retirement money to last. Most parents want to step in when their grown children need help. But in retirement, generosity has to be balanced with your own long-term security. In this week’s episode of Money Talk with Michael Eastham, he answers a viewer question many families quietly wrestle with: “Our grown kids need help, but I’m worried about our future. How do we decide?” This episode looks at how to think through that decision before money starts changing hands. If you are going to help, the first step is deciding what level of support you can offer without putting your own financial security at risk. From there, clarity matters. Is the help a one-time gift, a loan, or ongoing support? Setting limits can also help protect both your retirement and the relationship. Without clear boundaries, generosity can quietly turn into a burden over time. A thoughtful plan can give you more confidence, more clarity, and more peace of mind as you decide what kind of help makes sense. Watch now, and if you have a retirement question you would like answered in a future episode, leave it in the comments. Don’t forget to like and subscribe for more retirement-focused conversations. #RetirementPlanning #FinancialConfidence #FamilyFinances 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.
Helping Adult Kids Without Putting Your Retirement at Risk
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLnhpbXBmZGpGZGRZ
A big home repair right before retirement can put pressure on more than your house. It can affect your cash flow, reduce the cushion you want going into retirement, and make it harder to feel settled about the years ahead. A decision like this can feel especially heavy when retirement is close, because both your money and your peace of mind are on the line. In this week’s episode of Money Talk with Michael Eastham, he answers a viewer question many homeowners can relate to: My house needs a big repair before I retire. Do I pay cash, borrow, or wait? This week, discover a practical way to think through that decision with more clarity. He starts with urgency, because safety and structural repairs are different from optional upgrades. Then he walks through how to compare the repair cost to the cash you have available and the cushion you still want to keep. He also explains why timing matters if fixing it now helps protect your home’s value or improve future sale options. For many people nearing retirement, the hardest part is not just the repair itself. It is making a big financial decision without creating more stress than necessary. A thoughtful framework can help you move forward with greater confidence and more peace of mind. Knowing what to weigh first can make the next step feel much more manageable. Watch now, drop your question in the comments, and don’t forget to subscribe for more retirement-focused guidance each week. #RetirementPlanning #HomeRepairs #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.
Big Home Repair Before Retirement? Pay Cash, Borrow, or Wait
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLmI4ZWxCQWgyZGow
When rates keep changing, it’s easy to worry that one wrong cash move could leave you stuck. In this week’s episode of Money Talk with Michael Eastham, he answers a question many retirees are asking: should you move your cash now or keep waiting? Rates look better than they did a few years ago, but they have come down recently, and that can make it hard to know when to act. Instead of trying to guess the next rate move, this episode focuses on something more practical: matching your money to its timeline and purpose. He explains why short-term cash needs should stay safe and liquid, and why it helps to review whether this money is emergency money, spending money, or long-term money. Not every dollar has the same job, and treating it that way can help you make calmer decisions. That kind of clarity can bring more peace of mind because your cash plan is based on purpose, not prediction. This is a simple way to think through cash decisions without getting pulled into rate guessing. If you’ve been waiting for the perfect moment, this episode can help you step back and ask the right questions first. Watch now, and if this was helpful, like and subscribe so you don’t miss next week’s question. #RetirementPlanning #CashManagement #InterestRates 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.
Rates Keep Changing. Should You Move Your Cash Now or Wait?
YouTube Video VVVmbmhkRjZxSWJxNWhwNmNWOGdOR2hRLndVY3pyMUotVE9F
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
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