Retiring at 62 can either be the best decision you ever make — or a costly mistake that quietly drains your income for decades.

In this video, I break down the hidden costs and surprising benefits of retiring at 62 so you can decide if it’s right for you.

*How early Social Security claiming really impacts lifetime income

*The healthcare gap before Medicare — and how expensive it can be

*The hidden market risk most early retirees ignore

*Why retiring at 62 can actually improve taxes, health, and quality of life

*A simple framework to know if 62 works for you

⭐The SECRET Social Security Math Nobody Shows Retirees:⭐ 👇

https://www.youtube.com/watch?v=QaaV4FW3xGk&feature=youtu.be

#RetirementPlanning #RetireAt62 #SocialSecurity #EarlyRetirement #FinancialFreedom #TaxPlanning #RothIRA #HealthcareCosts #RetirementStrategy #personalfinance

00:00-Intro

00:02-Retiring at 62?

00:53-Hidden Cost #1: The Social Security Haircut

02:52-Hidden Cost #2: The Healthcare Gap That Can Swallow Your Savings

04:03-Hidden Cost #3: The Silent Killer Sequence of Returns Risk

05:19-Benefit #1: You Maximize the Best Years of Your Health

06:10-Benefit #2: A Rare Tax-Planning Window That Saves Thousands

07:04-Benefit #3: A Dramatic Drop in Stress and a Higher Quality of Life

07:43-How to Know if 62 Is Truly Your Number

08:40-The Final Verdict

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[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

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DISCLOSURES

Celestial Wealth Management, LLC is registered as an investment adviser in the State of Maryland and Texas.

Neither the information nor any opinion constitutes an offer or an invitation to make an offer, to buy or sell any securities or other financial instruments.

This video is not intended to provide personal investment advice and it does not take into account the specific investment objectives, financial situation and the particular needs of any specific person.

Investors should seek financial advice regarding the appropriateness of investing in financial instruments and implementing investment and planning strategies discussed in this video and should understand that statements regarding future prospects may not be realized.

Nothing provided here constitutes tax advice. Individuals should seek the advice of their own tax advisor for specific information regarding tax consequences of investments.

Investments in securities entail risk and are not suitable for all investors. This is not a recommendation nor an offer to sell (or solicitation of an offer to buy) securities in the United States or in any other jurisdiction. All investment strategies have the potential for profit or loss.