Ever found yourself working late and asking, ‘Why haven’t I retired yet?’ Retirement is one of the biggest decisions you’ll ever make, and knowing when it’s time can be tough. From health concerns to reconnecting with family, and even deciding what your retirement could look like – there’s so much to consider.

In this video, I’ll guide you through 6 essential questions to help you decide if you’re ready to retire. If you’re answering ‘yes’ to most of these, it might be time to plan for your next chapter. Remember, retirement isn’t about stopping—it’s about starting something extraordinary!

#RetirementPlanning #FinancialFreedom #RetireSmart #FinancialGoals #WorkLifeBalance #TimeForFamily #HealthAndWealth #PersonalFinanceTips #RetirementGoals #wealthmanagement

00:00-Introduction

00:30-How Do You Know When It's The Right Time to Retire?

00:50-Are Your Retirement Dreams Hibernating?

02:05-Is Your Career Causing Health Concerns?

03:35-Is Working Less An Option?

04:55-Wishing You Had More Time With Family & Friends?

06:25-Do You Know What Retirement Will Look Like?

07:51-Do You Have Enough to Retire?

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.

Thinking of retiring at 55? Leaving the 9-to-5 grind early is an incredible milestone, but it comes with unique challenges. Social Security benefits won’t kick in until at least age 62, which means you’ll need a solid plan to cover your living expenses in the interim.

In this video, we’ll break down how retiring early affects your Social Security payments, explore strategies like the Rule of 55 and 72T distributions to access retirement funds penalty-free, and discuss why your work history plays a critical role in your benefits calculation.

#EarlyRetirement #FinancialPlanning #SocialSecurity #RetirementStrategy #RetireAt55 #WealthManagement #FinancialFreedom #RetirementPlanning #RuleOf55 #MoneyTips

00:00-Introduction

00:40-The Reality of Early Retirement

01:35-The Impact of Your Work History

03:50-Covering The Gap

07:20-Social Security Payment Calculations

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.

In this video, Colin Exelby, CFP®, interviews Jamie Finn the co-founder and president of Securitize to explore how the Blockchain and tokenization allows additional access to private equity. Colin shows historical returns of private equity versus stocks, and explains how private equity works.

Learn more about Securitize👇

★☆★ https://securitize.io/ ★☆★

Are you curious where the next big companies like Apple, Amazon, or Nvidia come from? It's often not in the public markets, but in private equity. Over the past 23 years, private equity has outperformed public stocks, with state pensions seeing a remarkable 11.0% annualized return. But is private equity only for the ultra-wealthy? That's changing, with new innovations lowering the entry barriers to as little as $10,000. In this video, I sit down with Jamie Finn, co-founder of Securitize, to discuss how blockchain is revolutionizing access to private equity.

#PrivateEquity #AlternativeInvesting #Investing101 #Securitize #PrivateMarkets #InvestmentOpportunities #WealthBuilding #FinanceTips #Blockchain

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!

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.

When does it make sense to break up with your CPA? In this video, CERTIFIED FINANCIAL PLANNER™ Professional, Colin Exelby and Matt Bralove, CPA, Zone Accounting in Maryland Discuss:

•The proper mindset for tax planning

•The signs to look for to know if you should be breaking up with your tax planner

•How to search for a new tax planner

•Why reviewing past tax returns is important for future tax planning.

Remember, it’s not what you make, it's what you keep. And in my opinion, with tax rates poised to move higher, working with a qualified tax advisor is extremely important.

Timestamps :

00:00 Introduction

02:09 Meet Matt Bralove

02:51 "Tax Planning isn't an event that happens in December or when you file your return, it's a mindset shift."

07:36 What are some signs you should change tax planners?

11:42 What types of conversations should you be having with your CPA?

18:11 What are some things I should think about as I search for a new CPA?

25:46 The Importance of Periodically Reviewing Prior Years’ Tax Returns

27:23 What do you mean by tax extensions aren’t your friend?

32:06 End

★☆★ Zone Accounting ★☆★

https://www.zoneaccounting.net/

[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/⬅️⬅️

If this sounds like what you are looking for then hit the subscribe button right here and I'll see you in the comments!

Subscribe to the Channel Here:

★☆★ https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA?sub_confirmation=1 ★☆★

★☆★ Subscribe to the Blog Here ★☆★

https://seetheforestthroughthetrees.com

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Thanks For Watching - Elder Care Planning 101 | What Am I Missing?

According to recent Census data, the oldest baby boomers will turn 76 next year. By 2030 all baby boomers will be at least age 65. 👴

Many of us are having to help our aging parents make both health and financial decisions.

Planning for aging parents is becoming a larger and larger part of people’s wealth planning. 📝

Unfortunately, in the financial planning profession, far too often we are consulted when it is too late to do ideal planning for an aging parent.

That is why I have a special treat for you and called in an expert today to share her knowledge and help you See the Forest Through the Trees. ✅

I recently interviewed Nicole Hewitt, Co-Founding Member at HWK Law Group to help discuss Elder Care Planning 101

I am a Certified Financial Planner Professional™ or CFP®. See the Forest Through the Trees is a personal finance, health, and wellness blog and YouTube Channel that aims to help you see the bigger 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.

★☆★ Subscribe to the Blog Here ★☆★

https://seetheforestthroughthetrees.com

Subscribe to the Channel Here:

★☆★ https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA?sub_confirmation=1 ★☆★

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In this video, Colin Exelby, CFP®, explains the steps you should be taking when that paycheck hits your bank account. (Part 2)

In part two of this series, we dive into steps 6 through 9, where Colin discusses how to maximize your retirement contributions and whether you should use a Roth 401(k) or a traditional 401(k). At what point should you acquire investment real estate? When should you save for your kid's college funds plus. Plus, don't miss out on Colin's supercharged bonus strategy to boost your income potential. If you haven't watched Part 1 yet, check it out first!

⭐ Watch Part 1 Here: https://www.youtube.com/watch?v=Ce-UuYjMNmI&t=2s

#FinancialFreedom #MoneyManagement #InvestSmart #SavingsTips #RetirementPlanning #WealthBuilding #PersonalFinance #FinancialGoals #SmartInvesting #budgetingbasics

00:00 - Introduction

01:23 - Step 6

04:08 - Step 7

05:40 - Step 8

10:05 - Step 9

11:05 - Bonus Step

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!

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.

In this video, Colin Exelby, CFP®, explains the ideal payday paycheck routine.

As payday swiftly comes and goes, most people don't have a set payday routine, leaving many to wonder where their hard-earned money has vanished,. Today, we delve into the crucial steps every individual should take the moment their paycheck lands. This video aims to unravel the complexities of paycheck management. From building an emergency fund to maximizing employer 401(k) matches. Despite common misconceptions and the looming shadow of credit card debt, which averages $6,295 per person in the U.S., we shed light on effective debt repayment methods and the importance of investing in vehicles like Roth IRAs and HSAs for a secure retirement. This video is designed to arm you with a holistic understanding of managing and enhancing your financial stability post-payday. Whether you're battling the "ostrich effect" of financial avoidance or seeking to supercharge your net worth, join us in this comprehensive exploration to determine if these strategies can revolutionize your financial planning and future.

00:00 - Introduction

02:20 - Step 1

04:55 - Step 2

06:15 - Step 3

11:40 - Step 4

13:05 - Step 5

#PaycheckManagement #FinancialPlanning #DebtRepayment #InvestingBasics #retirementplanning

⭐ My free Intentional Spending Tracker: https://bit.ly/49ewRYz

⭐ Pros and Cons of HYSA: https://youtu.be/8mCYXuGzM-U

⭐ Truth About Your Emergency Funds: https://youtu.be/rym_F9nnnVw

⭐ HSA Strategy Unlocked: https://youtu.be/JDlM0InZwRA

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!

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.