In this video Colin Exelby, CFP® breaks down how spousal social security works.

You may have heard that spousal Social Security benefits can pay up to half of your spouse’s benefit—but that’s not always how it works. In fact, many people are surprised when they receive much less than expected, often because they misunderstood the rules or listened to outdated advice. In this video, I break down exactly how spousal benefits are calculated, the common misconceptions around “getting half,” and why timing matters more than most people realize. I’ll walk you through examples, including how to calculate a spousal top-off, what happens if one spouse claims early, and why delayed benefits don’t increase your spousal amount—but could still help in the long run, especially with survivor benefits

#SocialSecurity #SpousalBenefits #RetirementPlanning #SocialSecurityExplained #SocialSecurityMyths #FinancialPlanning #RetirementTips #SocialSecurity2025 #SpousalTopOff #OpenSocialSecurity

00:00-Intro

00:45-Why Spousal Benefits Don’t Always Equal Half

02:25-Breaking Down the Two Components

03:15-How to Calculate the Spousal Top-Off

04:10-Why Timing Matters

05:27-An Example Using Open Social Security

06:20-What About Delaying? Does It Help?

07:45-A Common Strategy: Split Claiming

08:27-Longevity & Tax Planning Considerations

08:44-Final Thoughts: Know the Rules Before You Claim

✅Open Social Security: https://opensocialsecurity.com/

⭐Support the Channel by Becoming a Community Member⭐ 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join

Outstanding Personal Finance Tools👇

Budgeting...👇

★☆★ Rocket Money (originally called as TrueBill) ★☆★

https://rocketmoney.sjv.io/CelestialWM

Wealth Management...👇

★☆★Personal Capital ★☆★👇

https://personalcapital.sjv.io/CelestialWM

Bookkeeping...👇

★☆★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.

In this video Colin Exelby, CFP® explains 5 crucial things you must do now if you are planning on retiring in 5 years.

Imagine two 60-year-olds—same age, same income, same timeline to retirement. Yet in just five years, one comfortably retires while the other runs out of money. What made the difference? In this video, I’ll break down the 5 guiding principles you need to take in the final 5 years before retirement. From supercharging your savings and building a bulletproof income plan, to shielding your nest egg from market crashes and minimizing taxes, these guiding principles can help you retire with confidence—not regrets. Don’t just coast into retirement. Let’s sprint through the finish line and make these years count. Whether you're five years out or already planning ahead, this 2025 retirement guide is packed with strategies you can’t afford to miss.

#RetirementPlanning #RetirementTips #FinancialFreedom #MoneyMatters #WealthBuilding #401k #RothIRA #FinancialGoals #TaxPlanning #MoneyTalks

00:00-Intro

01:55-Saving and Investing

05:05-Retirement Income Strategy

08:10-Market Volatility

10:00-Tax Planning

12:33-Life Design

⭐Support the Channel by Becoming a Community Member⭐ 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join

Outstanding Personal Finance Tools👇

Budgeting...👇

★☆★ Rocket Money (originally called as TrueBill) ★☆★

https://rocketmoney.sjv.io/CelestialWM

Wealth Management...👇

★☆★Personal Capital ★☆★👇

https://personalcapital.sjv.io/CelestialWM

Bookkeeping...👇

★☆★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.

In this video Colin Exelby, CFP® explains the 6 levels of wealth in America

Most people focus on how much money they make—but that’s the wrong question. In this video, we reveal the real measure of financial success: your net worth, not your income. Using the latest data from the Federal Reserve, we break down the six wealth levels that define where you stand in today’s economy—from financial survival to the top 1%. You'll learn why high earners can still struggle, how net worth is built, and what key behaviors separate the wealthy from the rest. If you’re serious about building lasting wealth, avoiding lifestyle creep, and leveraging compound interest to your advantage, this is the roadmap. Stick around to see where you land—and how to move up the financial pyramid.

00:00-Intro

00:25-Income is NOT Wealth

01:00-Level 1: Financial Survival Mode

01:50-Level 2: Precarious Working Class

02:37-Level 3: Traditional Middle Class

03:20-Level 4: Professional Upper Middle Class

04:20-Level 5: Financial Independence (The Upper Class)

05:00-Level 6: Wealth Apex (The Top 1%)

06:00-Getting on the Right Track

06:40-Ascending the Wealth Pyramid

#NetWorth #WealthBuilding #FinancialFreedom #MoneyMindset #IncomeVsWealth #WealthInequality #RetirementPlanning #InvestingBasics #CompoundInterest #moneytalks

Federal Reserve's Survey of Consumer Finances: https://www.federalreserve.gov/publications/files/scf23.pdf

⭐Support the Channel by Becoming a Community Member⭐ 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join

Outstanding Personal Finance Tools👇

Budgeting...👇

★☆★ Rocket Money (originally called as TrueBill) ★☆★

https://rocketmoney.sjv.io/CelestialWM

Wealth Management...👇

★☆★Personal Capital ★☆★👇

https://personalcapital.sjv.io/CelestialWM

Bookkeeping...👇

★☆★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.

Colin Exelby, CFP® explains how retirement changes when you have a pension.

After 20 years of helping retirees navigate life after work, I can tell you—your pension decision might be one of the most critical financial moves you ever make. Whether you’re choosing between a lump sum or monthly payments, weighing the risk of outliving your money, or deciding how to protect your spouse, there’s a lot to unpack. In this video, I break down everything you need to know about pensions—how they work, the tradeoffs, how PBGC protection fits in, and real-life case studies like Bob and Linda to help you understand your options. I also explore strategies like pension arbitrage and hybrid rollover options for more control and flexibility. If you’ve got a pension—or wish you did—this is a must-watch.

Daniel de Visé Article:👇

https://www.usatoday.com/story/money/2024/03/19/pensions-are-popular-why-dont-more-americans-have-them/72968970007/

#RetirementPlanning #PensionAdvice #LumpSumVsMonthly #FinancialFreedom #SocialSecurity #PBGC #PensionPlanning #RetirementStrategy #Annuities #investsmart

00:00-Intro

00:30-The Critical Pension Payout Decision

02:30-Lum Sum or Monthly Payments?

04:15-Understanding Your PBGC Protection

05:05-The Longevity Challenge

07:48-Are There Other Options?

10:15-When to Consider the Lump Sum Option?

11:35-Integrating Your Pension Decision

Outstanding Personal Finance Tools👇

Budgeting...👇

★☆★ Rocket Money (originally called as TrueBill) ★☆★

https://rocketmoney.sjv.io/CelestialWM

Wealth Management...👇

★☆★Personal Capital ★☆★👇

https://personalcapital.sjv.io/CelestialWM

Bookkeeping...👇

★☆★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.

Colin Exelby, CFP® breaks down if a fully paid off home is actually worth it in retirement.

Is it always best to retire mortgage-free? In this video, we dive into one of the biggest retirement debates: should you pay off your mortgage or keep it? While conventional wisdom suggests eliminating all debt before retirement, the numbers tell a more nuanced story. From average housing expenses across the U.S. to investment returns on home equity and emotional ties to the family home, we break down the real costs—and benefits—of each path. Whether you're considering selling and renting, paying off early, or holding a low-interest mortgage into retirement, this analysis will help you make an informed decision that aligns with your financial goals and values.

#RetirementPlanning #MortgagePayoff #HomeEquity #FinancialFreedom #SmartInvesting #PersonalFinance #DebtFreeLiving #RealEstateAdvice #RentVsOwn #retiresmart

00:00-Intro

00:27-The Hidden Economics of Retirement Housing

02:20-Calculating the Complete Ownership Equation

03:50-Option 1 The Liberation Strategy: Renting After Selling

06:22-Option 2 Paying Off Mortgage at Retirement

09:40-Beyond Numbers: The House as Family Member

10:40-The Verdict: Personal Values Drive the Decision

★☆★The Cost To Own a 3-Bedroom Home in Every State Go Banking Rates★☆★👇

https://www.gobankingrates.com/investing/real-estate/cost-to-own-3-bedroom-home-every-state/

Outstanding Personal Finance Tools👇

Budgeting...👇

★☆★ Rocket Money (originally called as TrueBill) ★☆★

https://rocketmoney.sjv.io/CelestialWM

Wealth Management...👇

★☆★Personal Capital ★☆★👇

https://personalcapital.sjv.io/CelestialWM

Bookkeeping...👇

★☆★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.

Is Trump really offering $1,000 for every child through a new MAGA Account? In this video, Certified Financial Planner Colin Exelby breaks down what the MAGA Account actually is, how it works, and whether it’s a smart move for your child’s financial future. From federal contributions and compounding investment growth to the pros and cons of contributing your own money, Colin compares it to 529 plans, tax credits, and past government proposals. He explains what’s at stake, how the account could be used for education, a first home, or even starting a business—and why it might be one of the most impactful financial tools for the next generation if passed. Don’t miss this deep dive into a proposal that could reshape the way America helps its kids build wealth.

#MAGAAccount #Trump2025 #ChildSavings #CompoundInterest #FinancialPlanning #BabyBonds #529Plan #KidsWealth #Election2025 #wealthbuilding

00:00-Intro

00:20-What is a MAGA Account?

00:35-What it Means For You?

01:37-How the MAGA Account Works?

03:28-Child Tax Credit vs MAGA Account

04:10-MAGA Account Mechanics

06:05-Strategy & Recommendation

07:15-Political Gimmick or Opportunity?

Outstanding Personal Finance Tools👇

Budgeting...👇

★☆★ Rocket Money (originally called as TrueBill) ★☆★

https://rocketmoney.sjv.io/CelestialWM

Wealth Management...👇

★☆★Personal Capital ★☆★👇

https://personalcapital.sjv.io/CelestialWM

Bookkeeping...👇

★☆★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.

Colin Exelby, CFP® Dives Deep into the JP Morgan study breaking down 3 shocking spending surprises.

Are you still planning your retirement with outdated advice? This video breaks down groundbreaking research from JP Morgan that analyzed over 5 million Chase households and revealed how real retiree spending patterns differ dramatically from what most financial planners still use. From the “retirement honeymoon phase” to the Go-Go, Slow-Go, and No-Go years, I’ll show you how understanding these patterns can help you retire earlier, spend more confidently, and possibly save less than you thought necessary. If you've been told to increase your spending by 3% annually forever, you might be over-saving and under-living. Watch to learn the truth about retirement spending and how to adjust your strategy accordingly. Download the full report in the description and be sure to subscribe for more no-fluff personal finance content.

★☆★Link to the full JP Morgan Study:👉https://am.jpmorgan.com/content/dam/jpm-am-aem/americas/us/en/insights/retirement-insights/ri-3-spend.pdf

#retirementplanning #financialfreedom #personalfinance #jpmorgan #retireearly #retirewithconfidence #financialadvisor #retirementstrategy #smartmoney #wealthplanning

Outstanding Personal Finance Tools👇

Budgeting...👇

★☆★ Rocket Money (originally called as TrueBill) ★☆★

https://rocketmoney.sjv.io/CelestialWM

Wealth Management...👇

★☆★Personal Capital ★☆★👇

https://personalcapital.sjv.io/CelestialWM

Bookkeeping...👇

★☆★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.

Colin Exelby, CFP® Explains Trumps new "Big Beautiful Bill" and how it will impact you.

In this video, we dive deep into President Trump’s newly introduced "Big Beautiful Bill" — a sweeping tax proposal with major implications for nearly every American. From making tips and overtime tax-free, to boosting the standard deduction, expanding the child tax credit, and reviving 2017’s tax cuts, this bill could reshape your finances starting in 2026. We’ll break down what’s in the bill, who stands to benefit, and who might lose out. Whether you're a retiree, business owner, or employee, you’ll want to see how these changes could affect your wallet — especially with the 2017 Tax Cuts and Jobs Act set to expire. Don’t miss this one — it’s not just tax policy, it’s your money on the line.

#TaxReform2025 #TrumpTaxBill #BigBeautifulBill #FinancialPlanning #TaxCuts #SocialSecurity #ChildTaxCredit #StandardDeduction #RetirementPlanning #taxtips

00:00-Intro

01:44-Tax Cuts & Jobs Act 2017

02:05-What Will The Bill Do?

10:43-What Does It Mean For You?

Outstanding Personal Finance Tools👇

Budgeting...👇

★☆★ Rocket Money (originally called as TrueBill) ★☆★

https://rocketmoney.sjv.io/CelestialWM

Wealth Management...👇

★☆★Personal Capital ★☆★👇

https://personalcapital.sjv.io/CelestialWM

Bookkeeping...👇

★☆★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.

Colin Exelby, CFP® Explains Strategies to access your retirement accounts in the right order.

How you access your nest egg can significantly impact how long your savings last and how much you pay in taxes. It’s not just about saving for retirement, but about strategically pulling from the right accounts at the right time. Let’s make sure you’re not leaving money on the table.

#RetirementPlanning #FinancialFreedom #TaxEfficient #WealthBuilding #IncomeStrategy #RetirementSavings #RetirementIncome #TaxTips #FinancialSecurity #WealthManagement

Outstanding Personal Finance Tools👇

Budgeting...👇

★☆★ Rocket Money (originally called as TrueBill) ★☆★

https://rocketmoney.sjv.io/CelestialWM

Wealth Management...👇

★☆★Personal Capital ★☆★👇

https://personalcapital.sjv.io/CelestialWM

Bookkeeping...👇

★☆★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.

Is working one more year really worth it? In this video, I break down a real-world retirement scenario of Marcus and Sophia—both 67 and financially prepared to retire, yet tempted to delay for more security. On paper, working another year boosts their success rate dramatically. But what about their health, dreams, and time? We explore how delaying retirement can cost more than money—and why healthy life expectancy should be a central part of your plan. If you’re approaching retirement, this is a must-watch.

#retirementplanning #retireearly #financialfreedom #personalfinance #wealthmanagement #retirementgoals #financialindependence #moneytips #retirewell #financialplanning

What is Healthy Life Expectancy and How to Build it Into Your Retirement Plan👇

https://youtu.be/8xe2Fb2hApU

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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

➡️ ➡️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.