See The Forest Through the Trees

Retirement Expert Reveals Why Retiring at 65 May Be A HUGE MISTAKE

In this video, Colin Exelby, CFP® explains the reason why retiring at 65 may be a huge mistakeMost people plan to retire at 65—but what if that’s too late? In this video, I explain why healthy life expectancy—not just how long you live, but how long you stay active and mobile—is the real factor that could make or break your retirement. I’ll break down what the data actually shows, why the U.S. ranks so low, and how waiting too long to retire could mean missing your best years. You’ll also learn four key steps to retire earlier, healthier, and more financially prepared. If you care about maximizing your freedom and health in retirement, this is a must-watch#retirementplanning #financialfreedom #retireearly #wealthbuilding #healthylifestyle #personalfinance #moneytips #financialadvisor #retirementgoals #investsmart ★☆★World Health Organization Life Expectancy Data★☆★ 👇https://www.who.int/data/gho/data/themes/topics/indicator-groups/indicator-group-details/GHO/life-expectancy-and-healthy-life-expectancyOutstanding Personal Finance Tools👇Budgeting...👇★☆★ Rocket Money (originally called as TrueBill) ★☆★https://rocketmoney.sjv.io/CelestialWMWealth Management...👇★☆★Personal Capital ★☆★👇https://personalcapital.sjv.io/CelestialWMBookkeeping...👇★☆★Gusto Bookkeeping★☆★👇https://gusto.pxf.io/CelestialWM[About] Colin Exelby is a Certified Financial Planner Professional™ or CFP®. He owns the virtual financial advisory practice Celestial Wealth Management.I provide financial planning for business owners and their families that makes sense.Transformational change is made when you focus on the big picture. My goal is to help you think outside the box about your life, your money, and your health to be the best you can possibly be.We strive to help you:*Optimize Your Cash Flow*Minimize Your Taxes*Build Your Net Worth*Create a Lasting Legacy➡️ ➡️Free Guide Here: https://celestialwm.com/ptpebook-go/⬅️⬅️Do you watch Dave Ramsey, Robert Kiyosaki, Grant Cardone, Gary Vee, Graham Stephan, Meet Kevin, Ryan Scribner, Replace Your Mortgage, Project Life Mastery, Russel Brunson, Alex Becker, Tanner J Fox, Refusing to Settle, Dan Lok, Jeff Rose, Tai Lopez, Bigger Pockets, or Pat Flynn? Then you'll love our channel! Be sure to subscribe and I'll see you in the comments!Top Financial Advisor Baltimore. Top Financial Planner Maryland.Affiliate Link Disclaimer: I only recommend products I would use myself and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, I may earn a small commission. Read full privacy policy at celestialwm.com.Celestial Wealth Management LLC receives compensation from YouTube for the presence of advertising before, after, and during this video content. Celestial Wealth Management LLC does not control the content or presence of any advertisements. The presence of any advertisement does not constitute an endorsement of the ad, company, entity, or product by Celestial Wealth Management LLC.

Are You Making this EXPENSIVE RMD Mistake? 84% Of Retirees Are!

In this video, Colin Exelby, CFP® explains the most common RMD mistake 84% of people might be making—taking only the minimum withdrawal—why it's happening, and how it could quietly cost you thousands in taxes and missed opportunities. You'll learn how RMDs are calculated, the tax implications of growing account balances, and when it might make sense to take more than the minimum. We also cover tax-efficient strategies like Roth conversions and reinvesting in non-retirement accounts, plus how to avoid IRMAA surcharges and leaving a smarter legacy for your heirs. Whether you're nearing retirement or already there, this video will help you take control of your distribution plan, optimize for tax efficiency, and make the most of your retirement years.#RMDMistake #RetirementPlanning #TaxStrategy #RothConversion #RetirementTaxes #FinancialFreedom #SmartWithdrawals #ColinExelby #MoneyTips #IRMAARoth IRA Conversion Pros and Cons in 2025👇https://www.youtube.com/watch?v=cF5FeFUaPWU&t=247sRoth IRA: The Two 5-Year Rules You NEED to Know (Don't Lose Your Money!)👇https://www.youtube.com/watch?v=ax_ygGrmQWE&t=95sOutstanding Personal Finance Tools👇Budgeting...👇★☆★ Rocket Money (originally called as TrueBill) ★☆★https://rocketmoney.sjv.io/CelestialWMWealth Management...👇★☆★Personal Capital ★☆★👇https://personalcapital.sjv.io/CelestialWMBookkeeping...👇★☆★Gusto Bookkeeping★☆★👇https://gusto.pxf.io/CelestialWM[About] Colin Exelby is a Certified Financial Planner Professional™ or CFP®. He owns the virtual financial advisory practice Celestial Wealth Management.I provide financial planning for business owners and their families that makes sense.Transformational change is made when you focus on the big picture. My goal is to help you think outside the box about your life, your money, and your health to be the best you can possibly be.We strive to help you:*Optimize Your Cash Flow*Minimize Your Taxes*Build Your Net Worth*Create a Lasting Legacy➡️ ➡️Free Guide Here: https://celestialwm.com/ptpebook-go/⬅️⬅️Do you watch Dave Ramsey, Robert Kiyosaki, Grant Cardone, Gary Vee, Graham Stephan, Meet Kevin, Ryan Scribner, Replace Your Mortgage, Project Life Mastery, Russel Brunson, Alex Becker, Tanner J Fox, Refusing to Settle, Dan Lok, Jeff Rose, Tai Lopez, Bigger Pockets, or Pat Flynn? Then you'll love our channel! Be sure to subscribe and I'll see you in the comments!Top Financial Advisor Baltimore. Top Financial Planner Maryland.Affiliate Link Disclaimer: I only recommend products I would use myself and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, I may earn a small commission. Read full privacy policy at celestialwm.com.Celestial Wealth Management LLC receives compensation from YouTube for the presence of advertising before, after, and during this video content. Celestial Wealth Management LLC does not control the content or presence of any advertisements. The presence of any advertisement does not constitute an endorsement of the ad, company, entity, or product by Celestial Wealth Management LLC.

No Taxes on Social Security? What Trump’s Plan Means for Americans

In this video, Colin Exelby, CFP® breaks down Trump's plan for eliminating taxes on Social Security.Nearly 40% of retirees pay taxes on their benefits, despite contributing 12.4% of their income for years. Now, Trump is proposing to eliminate these taxes—potentially the biggest Social Security change in 40 years. But can America afford it? Will it actually happen?#SocialSecurity #Retirement #Trump #Taxes #PersonalFinance #Wealth #FinanceNews #Investing #MoneyMatters #TaxPolicyOutstanding Personal Finance Tools👇Budgeting...👇★☆★ Rocket Money (originally called as TrueBill) ★☆★https://rocketmoney.sjv.io/CelestialWMWealth Management...👇★☆★Personal Capital ★☆★👇https://personalcapital.sjv.io/CelestialWMBookkeeping...👇★☆★Gusto Bookkeeping★☆★👇https://gusto.pxf.io/CelestialWM[About] Colin Exelby is a Certified Financial Planner Professional™ or CFP®. He owns the virtual financial advisory practice Celestial Wealth Management.I provide financial planning for business owners and their families that makes sense.Transformational change is made when you focus on the big picture. My goal is to help you think outside the box about your life, your money, and your health to be the best you can possibly be.We strive to help you:*Optimize Your Cash Flow*Minimize Your Taxes*Build Your Net Worth*Create a Lasting Legacy➡️ ➡️Free Guide Here: https://celestialwm.com/ptpebook-go/⬅️⬅️Do you watch Dave Ramsey, Robert Kiyosaki, Grant Cardone, Gary Vee, Graham Stephan, Meet Kevin, Ryan Scribner, Replace Your Mortgage, Project Life Mastery, Russel Brunson, Alex Becker, Tanner J Fox, Refusing to Settle, Dan Lok, Jeff Rose, Tai Lopez, Bigger Pockets, or Pat Flynn? Then you'll love our channel! Be sure to subscribe and I'll see you in the comments!Top Financial Advisor Baltimore. Top Financial Planner Maryland.Affiliate Link Disclaimer: I only recommend products I would use myself and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, I may earn a small commission. Read full privacy policy at celestialwm.com.Celestial Wealth Management LLC receives compensation from YouTube for the presence of advertising before, after, and during this video content. Celestial Wealth Management LLC does not control the content or presence of any advertisements. The presence of any advertisement does not constitute an endorsement of the ad, company, entity, or product by Celestial Wealth Management LLC.

How Much of Your Social Security Income Will Be Taxed... A Second Time?

In this video, Colin Exelby, CFP® breaks down how social security is taxed and he provides three specific examples of social security taxation in retirement.Want to know if your Social Security benefits will be taxed? In this video, I break down the government's complex formula that determines how much—if any—of your Social Security is taxable. While some retirees pay taxes on up to 85% of their benefits, others pay nothing at all. And it’s not just the wealthy getting hit—nearly 40% of Americans are taxed on their Social Security, and that number is rising. I’ll walk you through three real-world scenarios so you can see exactly how it works and what you can do to reduce your tax burden. Don't get caught off guard—watch now to learn how to keep more of your hard-earned money!#SocialSecurity #RetirementPlanning #Taxes #FinancialFreedom #MoneyMatters #PersonalFinance #TaxTips #WealthBuilding #RetirementIncome #financetips 00:00-Intro02:20-Misconception About Social Security Taxation03:37-Understanding Provisional Income04:37-How Social Security Taxation is Calculated07:00-Examples of Social Security Taxation07:15-Scenario 1: Social Security as Only Income08:49-Scenario 2: Social Security Plus Retirement Withdrawals11:04-Scenario 3: High Income Retirees 13:30-The Myth of Fixed Taxes14:40-Strategies to Minimize SS Taxes Outstanding Personal Finance Tools👇Budgeting...👇★☆★ Rocket Money (originally called as TrueBill) ★☆★https://rocketmoney.sjv.io/CelestialWMWealth Management...👇★☆★Personal Capital ★☆★👇https://personalcapital.sjv.io/CelestialWMBookkeeping...👇★☆★Gusto Bookkeeping★☆★👇https://gusto.pxf.io/CelestialWM[About] Colin Exelby is a Certified Financial Planner Professional™ or CFP®. He owns the virtual financial advisory practice Celestial Wealth Management.I provide financial planning for business owners and their families that makes sense.Transformational change is made when you focus on the big picture. My goal is to help you think outside the box about your life, your money, and your health to be the best you can possibly be.We strive to help you:*Optimize Your Cash Flow*Minimize Your Taxes*Build Your Net Worth*Create a Lasting Legacy➡️ ➡️Free Guide Here: https://celestialwm.com/ptpebook-go/⬅️⬅️Do you watch Dave Ramsey, Robert Kiyosaki, Grant Cardone, Gary Vee, Graham Stephan, Meet Kevin, Ryan Scribner, Replace Your Mortgage, Project Life Mastery, Russel Brunson, Alex Becker, Tanner J Fox, Refusing to Settle, Dan Lok, Jeff Rose, Tai Lopez, Bigger Pockets, or Pat Flynn? Then you'll love our channel! Be sure to subscribe and I'll see you in the comments!Top Financial Advisor Baltimore. Top Financial Planner Maryland.Affiliate Link Disclaimer: I only recommend products I would use myself and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, I may earn a small commission. Read full privacy policy at celestialwm.com.Celestial Wealth Management LLC receives compensation from YouTube for the presence of advertising before, after, and during this video content. Celestial Wealth Management LLC does not control the content or presence of any advertisements. The presence of any advertisement does not constitute an endorsement of the ad, company, entity, or product by Celestial Wealth Management LLC.

Did Elon Musk Discover the Biggest Financial Fraud in History?

In this video, Colin Exelby, CFP® breaks down Elon Musk’s shocking claim about 20 million active Social Security numbers belonging to people over 100 years old. Is this a lie? If he is correct, it could be a huge deal for the solvency of the Social Security System. Join me and uncover whether this is a massive fraud, if there are millions of payments to 150 year old dead people and if there is truly a government data error.Elon Musk just exposed what could be the biggest fraud in history—claiming that over 20 million active Social Security numbers belong to people over 100 years old, far exceeding the actual centenarian population, raising serious questions about whether this is a massive government oversight, an outdated COBOL system glitch, or something more sinister; with $72 billion in improper payments from 2015-2022, is taxpayer money being diverted to fund these potentially fraudulent accounts, and should the government invest $10M to fix the system and restore trust?#SocialSecurity #ElonMusk #Fraud #Retirement #PersonalFinance #GovernmentSpending #SSN #Investing #MoneyMatters #financenews Trump and Musk Plan for Social Security Video Mentioned: 👇https://www.youtube.com/watch?v=rBStWjOwokk&t=30s2023 Inspector’s General SSA Report: 👇https://oig.ssa.gov/assets/uploads/a-06-21-51022.pdf2015 Inspector’s General SSA Report: 👇https://oig-files.ssa.gov/audits/full/A-06-14-34030_0.pdf00:00-Did Elon Find Social Security Fraud?05:10-SS Fraud: Counter Arguments06:17-Social Security Data Inaccuracies09:39-Social Security Fraud: Digging Deeper10:47-Recommendations to the SS Administration15:36-Potential Implications - What This Means for YouOutstanding Personal Finance Tools👇Budgeting...👇★☆★ Rocket Money (originally called as TrueBill) ★☆★https://rocketmoney.sjv.io/CelestialWMWealth Management...👇★☆★Personal Capital ★☆★👇https://personalcapital.sjv.io/CelestialWMBookkeeping...👇★☆★Gusto Bookkeeping★☆★👇https://gusto.pxf.io/CelestialWM[About] Colin Exelby is a Certified Financial Planner Professional™ or CFP®. He owns the virtual financial advisory practice Celestial Wealth Management.I provide financial planning for business owners and their families that makes sense.Transformational change is made when you focus on the big picture. My goal is to help you think outside the box about your life, your money, and your health to be the best you can possibly be.We strive to help you:*Optimize Your Cash Flow*Minimize Your Taxes*Build Your Net Worth*Create a Lasting Legacy➡️ ➡️Free Guide Here: https://celestialwm.com/ptpebook-go/⬅️⬅️Do you watch Dave Ramsey, Robert Kiyosaki, Grant Cardone, Gary Vee, Graham Stephan, Meet Kevin, Ryan Scribner, Replace Your Mortgage, Project Life Mastery, Russel Brunson, Alex Becker, Tanner J Fox, Refusing to Settle, Dan Lok, Jeff Rose, Tai Lopez, Bigger Pockets, or Pat Flynn? Then you'll love our channel! Be sure to subscribe and I'll see you in the comments!Top Financial Advisor Baltimore. Top Financial Planner Maryland.Affiliate Link Disclaimer: I only recommend products I would use myself and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, I may earn a small commission. Read full privacy policy at celestialwm.com.Celestial Wealth Management LLC receives compensation from YouTube for the presence of advertising before, after, and during this video content. Celestial Wealth Management LLC does not control the content or presence of any advertisements. The presence of any advertisement does not constitute an endorsement of the ad, company, entity, or product by Celestial Wealth Management LLC.

Gen X is in Financial Trouble - Here's How to Fix it.

In this video, Colin Exelby, CFP® explains the financial struggles facing Gen X also called "the sandwich generation" and shares actionable strategies to overcome them.Gen X is in financial trouble, and many won’t realize it until it’s too late. With the oldest Gen Xers turning 60, major retirement decisions are looming, yet many are vastly underprepared. This generation faces unique challenges—from skyrocketing housing costs to inadequate retirement savings—leaving many on track to be worse off financially than their parents. In this video, I break down why this happened, where Gen X stands today, and most importantly, what we can do to turn things around before it’s too late. Don’t wait—take action now to secure your financial future!#GenX #RetirementCrisis #FinancialPlanning #MoneyMatters #WealthBuilding #PersonalFinance #RetirementSavings #GenXMoney #FinancialFreedom #SmartInvestingOutstanding Personal Finance Tools👇Budgeting...👇★☆★ Rocket Money (originally called as TrueBill) ★☆★https://rocketmoney.sjv.io/CelestialWMWealth Management...👇★☆★Personal Capital ★☆★👇https://personalcapital.sjv.io/CelestialWMBookkeeping...👇★☆★Gusto Bookkeeping★☆★👇https://gusto.pxf.io/CelestialWM[About] Colin Exelby is a Certified Financial Planner Professional™ or CFP®. He owns the virtual financial advisory practice Celestial Wealth Management.I provide financial planning for business owners and their families that makes sense.Transformational change is made when you focus on the big picture. My goal is to help you think outside the box about your life, your money, and your health to be the best you can possibly be.We strive to help you:*Optimize Your Cash Flow*Minimize Your Taxes*Build Your Net Worth*Create a Lasting Legacy➡️ ➡️Free Guide Here: https://celestialwm.com/ptpebook-go/⬅️⬅️Do you watch Dave Ramsey, Robert Kiyosaki, Grant Cardone, Gary Vee, Graham Stephan, Meet Kevin, Ryan Scribner, Replace Your Mortgage, Project Life Mastery, Russel Brunson, Alex Becker, Tanner J Fox, Refusing to Settle, Dan Lok, Jeff Rose, Tai Lopez, Bigger Pockets, or Pat Flynn? Then you'll love our channel! Be sure to subscribe and I'll see you in the comments!Top Financial Advisor Baltimore. Top Financial Planner Maryland.Affiliate Link Disclaimer: I only recommend products I would use myself and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, I may earn a small commission. Read full privacy policy at celestialwm.com.Celestial Wealth Management LLC receives compensation from YouTube for the presence of advertising before, after, and during this video content. Celestial Wealth Management LLC does not control the content or presence of any advertisements. The presence of any advertisement does not constitute an endorsement of the ad, company, entity, or product by Celestial Wealth Management LLC.

NEW 2025 IRS Tax Brackets - What Retirees Need to Know

In this video, Colin Exelby, CFP® explains the new 2025 IRS Tax Bracket Changes and how they'll impact you.The 2025 tax season is here, and there are some key changes you need to know! In this video, we break down updates to the standard deduction, income and capital gains tax brackets, the net investment income tax, and Medicare premium surcharges. Plus, I’ll share smart strategies to lower your tax bill and keep more money in your pocket. Understanding how these updates impact your finances is crucial for effective tax planning. Don’t forget to like, subscribe, and check out my website for more resources to optimize your financial future!#TaxSeason2025 #PersonalFinance #TaxPlanning #MoneyMatters #FinanceTips #InvestSmart #RetirementPlanning #WealthBuilding #SaveMoney #FinancialFreedom00:00-Introduction00:27-Standard Deduction Evolution01:58-Tax Bracket Mechanics: Debunking Common Myths04:54-Comparing to 202507:15-Capital Gains Strategy10:30-Net Investment Income Tax12:15-Medicare Premium Considerations13:58-Forward Looking Tax PlanningOutstanding Personal Finance Tools👇Budgeting...👇★☆★ Rocket Money (originally called as TrueBill) ★☆★https://rocketmoney.sjv.io/CelestialWMWealth Management...👇★☆★Personal Capital ★☆★👇https://personalcapital.sjv.io/CelestialWMBookkeeping...👇★☆★Gusto Bookkeeping★☆★👇https://gusto.pxf.io/CelestialWM[About] Colin Exelby is a Certified Financial Planner Professional™ or CFP®. He owns the virtual financial advisory practice Celestial Wealth Management.I provide financial planning for business owners and their families that makes sense.Transformational change is made when you focus on the big picture. My goal is to help you think outside the box about your life, your money, and your health to be the best you can possibly be.We strive to help you:*Optimize Your Cash Flow*Minimize Your Taxes*Build Your Net Worth*Create a Lasting Legacy➡️ ➡️Free Guide Here: https://celestialwm.com/ptpebook-go/⬅️⬅️Do you watch Dave Ramsey, Robert Kiyosaki, Grant Cardone, Gary Vee, Graham Stephan, Meet Kevin, Ryan Scribner, Replace Your Mortgage, Project Life Mastery, Russel Brunson, Alex Becker, Tanner J Fox, Refusing to Settle, Dan Lok, Jeff Rose, Tai Lopez, Bigger Pockets, or Pat Flynn? Then you'll love our channel! Be sure to subscribe and I'll see you in the comments!Top Financial Advisor Baltimore. Top Financial Planner Maryland.Affiliate Link Disclaimer: I only recommend products I would use myself and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, I may earn a small commission. Read full privacy policy at celestialwm.com.Celestial Wealth Management LLC receives compensation from YouTube for the presence of advertising before, after, and during this video content. Celestial Wealth Management LLC does not control the content or presence of any advertisements. The presence of any advertisement does not constitute an endorsement of the ad, company, entity, or product by Celestial Wealth Management LLC.

Financial Planner REACTS To Dave Ramsey’s Social Security Advice

In this video, Colin Exelby, CFP® breaks down a key segment from Dave Ramsey's discussion on the best time to collect Social Security.With over 24 years of experience as a financial advisor, I’ve seen firsthand that there’s no one-size-fits-all answer. Together, we’ll analyze the pros and cons of filing early, the impact of income limits, potential tax consequences, and whether investing early benefits can truly outperform delaying. Dave’s advice works for many—but is it the right fit for you? Let’s dive in and see! Don’t miss my final takeaway on making the smartest Social Security decision for your future.00:00-Introduction01:10-The Question02:44-The Trick to Knowing When to Collect04:45-How Much Can You Earn and Still Get Benefits?06:50-What Income Counts Towards Reducing Benefits?07:50-File and Invest vs Waiting to Collect09:00-Testing Dave's Theory13:36-2 Key Things to Remember#DaveRamsey #SocialSecurity #RetirementPlanning #FinancialAdvice #Investing #PersonalFinance #WealthManagement #MoneyMatters #RetirementSavings #FinancialFreedomOutstanding Personal Finance Tools👇Budgeting...👇★☆★ Rocket Money (originally called as TrueBill) ★☆★https://rocketmoney.sjv.io/CelestialWMWealth Management...👇★☆★Personal Capital ★☆★👇https://personalcapital.sjv.io/CelestialWMBookkeeping...👇★☆★Gusto Bookkeeping★☆★👇https://gusto.pxf.io/CelestialWM[About] Colin Exelby is a Certified Financial Planner Professional™ or CFP®. He owns the virtual financial advisory practice Celestial Wealth Management.I provide financial planning for business owners and their families that makes sense.Transformational change is made when you focus on the big picture. My goal is to help you think outside the box about your life, your money, and your health to be the best you can possibly be.We strive to help you:*Optimize Your Cash Flow*Minimize Your Taxes*Build Your Net Worth*Create a Lasting Legacy➡️ ➡️Free Guide Here: https://celestialwm.com/ptpebook-go/⬅️⬅️Do you watch Dave Ramsey, Robert Kiyosaki, Grant Cardone, Gary Vee, Graham Stephan, Meet Kevin, Ryan Scribner, Replace Your Mortgage, Project Life Mastery, Russel Brunson, Alex Becker, Tanner J Fox, Refusing to Settle, Dan Lok, Jeff Rose, Tai Lopez, Bigger Pockets, or Pat Flynn? Then you'll love our channel! Be sure to subscribe and I'll see you in the comments!Top Financial Advisor Baltimore. Top Financial Planner Maryland.Affiliate Link Disclaimer: I only recommend products I would use myself and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, I may earn a small commission. Read full privacy policy at celestialwm.com.Celestial Wealth Management LLC receives compensation from YouTube for the presence of advertising before, after, and during this video content. Celestial Wealth Management LLC does not control the content or presence of any advertisements. The presence of any advertisement does not constitute an endorsement of the ad, company, entity, or product by Celestial Wealth Management LLC.

5 Things to Know BEFORE Opening a High Yield Savings Account

In this video, Colin Exelby, CFP® explains 5 things you need to know before opening up a High Yield Savings Account. In this video, I’m sharing 5 lessons I learned with my first HYSA so you don't have the same surprises.#PersonalFinance #HighYieldSavings #MoneyTips #FinancialFreedom #SavingsAccount #WealthBuilding #InvestSmart #MoneyManagement #FinanceTips #Savings00:00-Introduction01:00-The interest rate reality check02:07-The multiple account advantage03:45-The tax drawback05:34-HYSA’s Aren’t The Best Route for Building Wealth08:00-HYSA RequirementsOutstanding Personal Finance Tools👇Budgeting...👇★☆★ Rocket Money (originally called as TrueBill) ★☆★https://rocketmoney.sjv.io/CelestialWMWealth Management...👇★☆★Personal Capital ★☆★👇https://personalcapital.sjv.io/CelestialWMBookkeeping...👇★☆★Gusto Bookkeeping★☆★👇https://gusto.pxf.io/CelestialWM[About] Colin Exelby is a Certified Financial Planner Professional™ or CFP®. He owns the virtual financial advisory practice Celestial Wealth Management.I provide financial planning for business owners and their families that makes sense.Transformational change is made when you focus on the big picture. My goal is to help you think outside the box about your life, your money, and your health to be the best you can possibly be.We strive to help you:*Optimize Your Cash Flow*Minimize Your Taxes*Build Your Net Worth*Create a Lasting Legacy➡️ ➡️Free Guide Here: https://celestialwm.com/ptpebook-go/⬅️⬅️Do you watch Dave Ramsey, Robert Kiyosaki, Grant Cardone, Gary Vee, Graham Stephan, Meet Kevin, Ryan Scribner, Replace Your Mortgage, Project Life Mastery, Russel Brunson, Alex Becker, Tanner J Fox, Refusing to Settle, Dan Lok, Jeff Rose, Tai Lopez, Bigger Pockets, or Pat Flynn? Then you'll love our channel! Be sure to subscribe and I'll see you in the comments!Top Financial Advisor Baltimore. Top Financial Planner Maryland.Affiliate Link Disclaimer: I only recommend products I would use myself and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, I may earn a small commission. Read full privacy policy at celestialwm.com.Celestial Wealth Management LLC receives compensation from YouTube for the presence of advertising before, after, and during this video content. Celestial Wealth Management LLC does not control the content or presence of any advertisements. The presence of any advertisement does not constitute an endorsement of the ad, company, entity, or product by Celestial Wealth Management LLC.

7 GREAT REASONS to File for Social Security at Age 62

Navigating Social Security benefits can be complex, and this video breaks down key strategies for deciding when to file. Discover why the traditional break-even analysis is outdated, learn 7 compelling reasons to collect benefits early, and understand how personal circumstances like health, family dynamics, and financial markets can influence your optimal filing strategy. Whether you're approaching retirement or helping a loved one plan, this guide offers crucial insights to make an informed decision about one of the most important financial choices you'll make.#SocialSecurity #RetirementPlanning #FinancialTips #EarlyRetirement #RetirementStrategy #PersonalFinance #FinancialIndependence #RetirementBenefits #MoneyManagement #agingwisely 00:00-Intro00:30-Understanding The Break-Even Analysis01:15-When Should You Turn On Social Security?03:36-Here's How the Numbers Look04:50-Is This The Best Strategy?06:45-The Bigger Picture:Why The Chart Isn't Enough08:15-7 Great Reasons to Collect Benefits Early08:20- Reason 1: Health Considerations08:55-Reason 2: Enhanced Quality of Life10:00- Reason 3: Unlocking Family Benefits11:00- Reason 4: Higher Spousal or Survivor Benefit12:00- Reason 5: Financial Market Opportunities 13:05- Reason 6: Managing Provisional Income13:40- Reason 7: Financial Necessity14:26- Final Considerations: Don't Rush the DecisionOutstanding Personal Finance Tools👇Budgeting...👇★☆★ Rocket Money (originally called as TrueBill) ★☆★https://rocketmoney.sjv.io/CelestialWMWealth Management...👇★☆★Personal Capital ★☆★👇https://personalcapital.sjv.io/CelestialWMBookkeeping...👇★☆★Gusto Bookkeeping★☆★👇https://gusto.pxf.io/CelestialWM[About] Colin Exelby is a Certified Financial Planner Professional™ or CFP®. He owns the virtual financial advisory practice Celestial Wealth Management.I provide financial planning for business owners and their families that makes sense.Transformational change is made when you focus on the big picture. My goal is to help you think outside the box about your life, your money, and your health to be the best you can possibly be.We strive to help you:*Optimize Your Cash Flow*Minimize Your Taxes*Build Your Net Worth*Create a Lasting Legacy➡️ ➡️Free Guide Here: https://celestialwm.com/ptpebook-go/⬅️⬅️Do you watch Dave Ramsey, Robert Kiyosaki, Grant Cardone, Gary Vee, Graham Stephan, Meet Kevin, Ryan Scribner, Replace Your Mortgage, Project Life Mastery, Russel Brunson, Alex Becker, Tanner J Fox, Refusing to Settle, Dan Lok, Jeff Rose, Tai Lopez, Bigger Pockets, or Pat Flynn? Then you'll love our channel! Be sure to subscribe and I'll see you in the comments!Top Financial Advisor Baltimore. Top Financial Planner Maryland.Affiliate Link Disclaimer: I only recommend products I would use myself and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, I may earn a small commission. Read full privacy policy at celestialwm.com.Celestial Wealth Management LLC receives compensation from YouTube for the presence of advertising before, after, and during this video content. Celestial Wealth Management LLC does not control the content or presence of any advertisements. The presence of any advertisement does not constitute an endorsement of the ad, company, entity, or product by Celestial Wealth Management LLC.