Couverture de See The Forest Through the Trees

See The Forest Through the Trees

See The Forest Through the Trees

De : Celestial Wealth Mgmt
Écouter gratuitement

À propos de ce contenu audio

 Providing the pros and cons of various financial planning and investment strategies to help you optimize your net worth creation. You can watch the full videos on YouTube @seetheforestthroughthetrees. Colin Exelby, CFP® owns Celestial Wealth Management, a virtual financial advisory firm, and has over 23 years of experience providing custom financial planning and investment management to his clients. He brings a wealth of knowledge AND real-world experience to the channel. Make sure to subscribe to see the newest episodes first.Copyright 2025 All rights reserved. Développement personnel Economie Finances privées Réussite personnelle
Épisodes
  • The Social Security Decision Married Couples Get Wrong

    The Social Security Decision Married Couples Get Wrong
    Feb 19 2026
    If one spouse has a much higher Social Security benefit, claiming age can permanently affect the surviving spouse’s retirement income. Many married couples approach Social Security claiming as a simple “62 vs 67 vs 70” decision. In reality, the claiming age of the higher-earning spouse often determines the lifetime income of the surviving spouse. In this video, I walk through a real retirement planning scenario showing how Social Security works for married couples, including spousal benefits and survivor benefits. Key principle: For a married couple, Social Security is not only a retirement benefit. It is also longevity insurance. When one spouse dies, the surviving spouse generally keeps only the higher benefit. Because of this rule, the claiming age of the higher earner can permanently change the surviving spouse’s retirement income. Topics explained in this video: • How Social Security survivor benefits work • When the higher earner should delay to age 70 • When the lower earner may claim early • Why break-even age charts can be misleading • How a younger spouse changes the optimal strategy • The difference between spousal benefits and survivor benefits Important rule explained: Taking a reduced spousal benefit early does NOT reduce the future survivor benefit. The surviving spouse may step up to the full benefit the higher earner was receiving. #SocialSecurity #RetirementPlanning #WidowBenefits #RetirementIncome #FinancialPlanning #SurvivorBenefits #ClaimingStrategy #LongevityRisk #RetirementStrategy #wealthprotection 00:00-Social Security Age Gap Intro 01:06-The Case: A Simple Decision That Wasn't Simple 03:36-The Break-Even Chart is Looking at the Wrong Person 04:17-The Numbers That Changed Everything 05:32-The Emotional Reaction Almost Every Husband Has 06:25-The Moment That Actually Matters 07:19-The Behavioral Reality Most Retirement Plans Ignore 08:22-Delaying Social Security Isn't a Return Strategy 09:14-What Delaying Actually Does 09:57-The Expense Problem After The First Death 11:17-The Simple Framework Couples Should Use ⭐Support the Channel by Becoming a Community Member⭐ 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join [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. 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. 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 ...
    Afficher plus Afficher moins
    13 min
  • Almost Everyone Makes This Roth IRA Mistake

    Almost Everyone Makes This Roth IRA Mistake
    Feb 16 2026
    If you already have a Roth IRA, certain common behaviors — especially early withdrawals of contributions — can permanently reduce future tax-free retirement income. In this video I explain how Roth IRA contribution withdrawals, skipped contribution years, and uninvested cash balances quietly damage long-term compounding and retirement tax flexibility. This video walks through the real-world Roth IRA planning mistakes I regularly see inside actual retirement plans: • Early withdrawal of Roth IRA contributions and the permanent loss of future tax-free growth • Skipping annual Roth IRA contributions (lost contribution space cannot be recovered) • Not investing Roth IRA contributions (cash drag) • Using Roth IRA funds for a home purchase • Prioritizing taxable brokerage investing before Roth IRA savings • Backdoor Roth IRA conversions and the IRS pro-rata rule • Contribution deadline misunderstandings A Roth IRA is a tax-free growth account. Qualified withdrawals generally do not increase taxable income, do not cause Social Security benefits to become taxable, and often do not trigger Medicare IRMAA premium surcharges. Because annual contribution limits are capped, early withdrawals permanently reduce future tax-free retirement flexibility. Roth IRA contribution withdrawals are penalty-free but not consequence-free because lost contribution space cannot be restored in future years. This video is especially relevant for: – Pre-retirees (age 45–65) – High savers using IRAs and brokerage accounts – Anyone considering Roth conversions or backdoor Roth contributions – Retirees managing Social Security taxation and Medicare premiums #RothIRA #backdoorroth #retirementplanning #PersonalFinance #WealthBuilding #TaxFreeGrowth #IRA #retiresmart #socialsecuritytax #irmaa #taxplanning 00:00 Roth IRA Mistakes Overview 01:11 The $65,000 Roth IRA Withdrawal Example 02:32 Why Roth IRA Withdrawals Are Different 03:30 Skipping Roth IRA Contributions 05:25 Roth IRA Contribution Deadline Rules 06:30 Forgetting to Invest Roth IRA Contributions 07:30 Using a Roth IRA for a Home Purchase 08:09 Why a Roth IRA Is Not an Emergency Fund 08:45 Taxable Brokerage vs Roth IRA Priority 09:35 Risky Investments Inside a Roth IRA 10:19 Backdoor Roth IRA and the Pro-Rata Rule 12:14 Multiple Roth IRA Accounts and Contribution Limits [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. 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/⬅️⬅️ ⭐Support the Channel by Becoming a Community Member⭐ 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join 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. 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 ...
    Afficher plus Afficher moins
    14 min
  • 7 Traps Investors Worry About That Don’t Actually Matter

    7 Traps Investors Worry About That Don’t Actually Matter
    Feb 12 2026
    Also called: Selective Indifference in Investing. In this video, CFP® professional Colin Exelby explains the concept of “selective indifference” in investing — the practice of intentionally ignoring short-term market information that does not affect long-term financial outcomes. Many investors believe success comes from predicting markets or reacting quickly to economic news. In reality, long-term investment success is driven primarily by behavior: staying invested, avoiding panic decisions, and following a consistent financial plan. Topics covered: • Why short-term market forecasts are unreliable • How reacting to headlines damages portfolio outcomes • The danger of borrowed conviction from media or social commentary • Why market events rarely change long-term plans • The difference between information and noise • How investors can build a process they can stick with This video focuses on long-term investing behavior, retirement planning, and decision-making — not market predictions. #Investing #LongTermInvesting #WealthBuilding #FinancialFreedom #PersonalFinance #StockMarket #InvestingMindset #MarketNoise #PassiveInvesting #financialplanning 00:00-Intro 01:03-Learning Selective Indifferences 01:49- The Problem With Short Term Predictions 03:02-The Danger of People's Conviction 04:12-Why Markets Don't Move The Way You Expect 05:12-The Trap of Event Based Thinking 06:44-Why Most Mistakes Come From Caring Too Much 07:44-"This Time Is Different" 08:36-The Problem With Comparing Yourself To Others 10:00-The Real Takeaway ★☆★Stop leaving yourself vulnerable to data breaches. Go to my sponsor Aura to get a 14-day free trial and see if any of your data has been exposed.★☆★👇 https://aura.com/cwmwealth ⭐Support the Channel by Becoming a Community Member⭐ 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join [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. 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.
    Afficher plus Afficher moins
    11 min
Aucun commentaire pour le moment