See The Forest Through the Trees

Celestial Wealth Mgmt
  • 5.0 (4)
  • Investing
  • Semiweekly

Retirement planning, Social Security strategy, Roth conversions, and retirement tax planning are explained clearly for retirees, pre-retirees, and business owners. Hosted by Colin Exelby, CFP®, founder of Celestial Wealth Management and creator of See the Forest Through the Trees (STFTTT), this podcast focuses on helping people make smarter retirement and financial decisions through tax-aware planning, long-term thinking, and real-world retirement strategies. Episodes cover topics including: • Social Security claiming strategies • How Social Security is taxed • Roth conversion planning • Retirement income strategies • Required Minimum Distributions (RMDs) • Medicare IRMAA premiums • Retirement withdrawal sequencing • Tax-efficient retirement planning • Retirement mistakes and planning tradeoffs • Financial planning for business owners and retirees The goal is not fear-based financial media or generic investment commentary. The goal is helping people simplify complex retirement decisions and better understand how taxes, income planning, and long-term financial choices interact over time. Designed for people approaching retirement, already retired, or seeking greater financial clarity around Social Security, taxes, retirement income, and wealth planning. New episodes released regularly.

  1. 6d ago

    Are You Secretly Wealthy? Net Worth by Age (Where You Really Rank)

    How does your net worth compare to other Americans your age? According to the latest Federal Reserve data, the average net worth for Americans ages 65–74 is nearly $1.9 million, but the median is just $431,300. So where do you rank? In this video, Colin Exelby, CFP® breaks down the average and median net worth by age, from your 30s through retirement, to help you understand how your finances compare to other households. But having a high net worth doesn't necessarily mean you're financially prepared for retirement. We'll explain why home equity, retirement savings, Social Security, pensions, and investment income all play important roles in determining your financial security. Federal Reserve Board. Changes in U.S. Family Finances from 2022 to 2025. October 2026. Table 2 on printed page 12 supplies age brackets and net worth figures. Footnote 36 on printed page 42 explains the exclusion of Social Security and defined benefit pension wealth. https://www.federalreserve.gov/publications/files/scf26.pdf #NetWorthByAge, #RetirementPlanning, #RetirementSavings, #AverageNetWorth, #RetirementIncome, #RetirementStrategy, #SocialSecurity, #RetirementWealth, #FinancialPlanning, #retirementtips 00:00-Intro 00:46-What is Net Worth? 01:50-Average vs Median Net Worth 02:30-Net Worth Under Age 35 03:13-Net Worth Age 35-44 04:02-Net Worth Age 45-54 05:11-Net Worth Age 55-64 06:00-Net Worth Age 65-74 06:51-Net Worth Age 75+ 07:26-Why Two Couples With $1 Million Can Have Different Retirements 08:05-Why Income Matters More Than Net Worth 08:59-What the FED Net Worth Number Leaves Out 09:44-Three Question to Ask Colin Exelby, CFP® is a CERTIFIED FINANCIAL PLANNER™ Professional, founder of Celestial Wealth Management, and creator of See the Forest Through the Trees (STFTTT), an educational platform focused on retirement planning, retirement tax strategies, Social Security analysis, Roth conversions, and financial planning for retirees and business owners. This channel focuses on helping retirees, pre-retirees, and business owners make smarter financial decisions through tax-aware planning, long-term thinking, and real-world retirement strategies. Topics covered regularly include: • Social Security claiming strategies • How Social Security is taxed • Roth conversion timing • Retirement withdrawal strategies • Tax-efficient retirement income • IRMAA and Medicare premiums • Retirement mistakes to avoid • Survivor planning strategies • Retirement planning for business owners No fear-based financial media. No hype. Just clear explanations and practical retirement planning frameworks. ➡️ ➡️Free Retirement and Financial Planning Resources Here: https://celestialwm.com/ptpebook-go/ ⬅️⬅️ ⭐Support the Channel by Becoming a Community Member⭐ 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join 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.

  2. Oct 21

    Social Security at 62 vs 70? The Math Will SHOCK You

    Should you take Social Security at 62, wait until 67, or delay until 70? The difference could be worth hundreds of thousands of dollars throughout your retirement, but the traditional Social Security break-even calculation might be missing some of the most important factors. In this video, Colin Exelby, CFP® explains the real math behind when to claim Social Security and why choosing the biggest monthly check isn't always the best retirement strategy. Covering how claiming Social Security early versus delaying until 70 impacts your investment portfolio, retirement income, taxes, and long-term financial security and exploring how married couples can coordinate their benefits, why survivor benefits matter, and how market downturns could change your claiming strategy. You'll learn why the traditional break-even age can be misleading, how Social Security interacts with your 401(k), IRA, and Roth conversions, and why your health, lifestyle, and retirement goals should play a major role in your decision. ➡️ ➡️ How Social Security Is Taxed (2026) https://celestialwm.com/how-social-security-is-taxed/ ➡️ ➡️ Social Security Claiming Strategy Guide (2026) https://celestialwm.com/social-security-guide/ ➡️ ➡️Social Security Playlist: https://www.youtube.com/watchv=TZMFG7WiW3E&list=PLjypohR2dKqPTiZjfZjogskeAaAmublbZ #SocialSecurity #SocialSecurityBenefits #RetirementPlanning #RetirementIncome #SocialSecurityAt62 #SocialSecurityAt70 #FinancialPlanning #RetirementStrategy #RetirementTaxes #retirementtips 00:00-Intro 01:05-The Traditional Break-Even Math 03:18-Why Waiting Can Still Be Valuable 05:38-What If Both Spouses Earned About the Same Amount? 06:38-What If You’re Single? 07:22-Don’t Forget Age 65 08:22-If You’re Still Working 09:22-Markets Can Change the Decision 10:17-Then We Have Taxes 11:27-What Is the Money Actually For? 12:13-So Who Wins — 62, 67 or 70? Colin Exelby, CFP® is a CERTIFIED FINANCIAL PLANNER™ Professional, founder of Celestial Wealth Management, and creator of See the Forest Through the Trees (STFTTT), an educational platform focused on retirement planning, retirement tax strategies, Social Security analysis, Roth conversions, and financial planning for retirees and business owners. This channel focuses on helping retirees, pre-retirees, and business owners make smarter financial decisions through tax-aware planning, long-term thinking, and real-world retirement strategies. Topics covered regularly include: • Social Security claiming strategies • How Social Security is taxed • Roth conversion timing • Retirement withdrawal strategies • Tax-efficient retirement income • IRMAA and Medicare premiums • Retirement mistakes to avoid • Survivor planning strategies • Retirement planning for business owners No fear-based financial media. No hype. Just clear explanations and practical retirement planning frameworks. ➡️ ➡️Free Retirement and Financial Planning Resources Here: https://celestialwm.com/ptpebook-go/ ⬅️⬅️ ⭐Support the Channel by Becoming a Community Member⭐ 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join 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.

  3. Oct 16

    Never Leave Money To Grandkids: Instead do This!

    Leaving money to your grandchildren is one of the greatest gifts you can give, but making the wrong estate planning decisions could leave them with unexpected taxes, legal complications, or an inheritance they aren't prepared to manage. In this video, Colin Exelby, CFP® discusses 4 costly mistakes grandparents make when leaving money to their grandkids, including misunderstanding the $19,000 gift tax exclusion, naming minors as beneficiaries, passing down traditional IRAs without considering the 10-year withdrawal rule, and adding grandchildren to a home's deed too early. I'll also explain how trusts, Roth conversions, 529 plans, and proper beneficiary planning can help protect your family's wealth, minimize unnecessary taxes, and ensure your grandchildren receive their inheritance the right way. If you're planning to leave behind a financial legacy, these are mistakes you'll want to avoid. #EstatePlanning #InheritancePlanning #RetirementPlanning #WealthTransfer #Grandchildren #FinancialPlanning #InheritanceTax #EstateTaxes #IRAPlanning #GenerationalWealth 00:00-Intro 00:50-Mistake One Confusing the Gift Tax Rule With a Medicaid Rule 03:02-Mistake Two Naming a Minor Directly Without a Plan 05:09-Mistake Three Treating an IRA Like Ordinary Cash 08:00-Mistake Four Adding a Grandchild to the Deed Colin Exelby, CFP® is a CERTIFIED FINANCIAL PLANNER™ Professional, founder of Celestial Wealth Management, and creator of See the Forest Through the Trees (STFTTT), an educational platform focused on retirement planning, retirement tax strategies, Social Security analysis, Roth conversions, and financial planning for retirees and business owners. This channel focuses on helping retirees, pre-retirees, and business owners make smarter financial decisions through tax-aware planning, long-term thinking, and real-world retirement strategies. Topics covered regularly include: • Social Security claiming strategies • How Social Security is taxed • Roth conversion timing • Retirement withdrawal strategies • Tax-efficient retirement income • IRMAA and Medicare premiums • Retirement mistakes to avoid • Survivor planning strategies • Retirement planning for business owners No fear-based financial media. No hype. Just clear explanations and practical retirement planning frameworks. ➡️ ➡️Free Retirement and Financial Planning Resources Here: https://celestialwm.com/ptpebook-go/ ⬅️⬅️ ⭐Support the Channel by Becoming a Community Member⭐ 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join Recommended Financial Planning 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 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.

  4. Oct 3

    When You Retire, Upgrade These 10 Things Before Telling Anyone

    Retirement changes more than just your daily routine. Once your paycheck stops, the way you manage your money, taxes, healthcare, and investments needs to change too. In this video, Colin Exelby explains10 important financial upgrades you should make when you retire to help protect your savings, reduce unnecessary taxes, and make your retirement income last longer. From creating your own retirement paycheck and choosing when to claim Social Security to managing Roth conversions, reviewing insurance policies, and updating your estate plan, these are decisions that can have a major impact on your financial future. Complete Social Security Claiming Strategy Guide ➡️ https://celestialwm.com/social-security-guide/ Colin Exelby, CFP® is a CERTIFIED FINANCIAL PLANNER™ Professional, founder of Celestial Wealth Management, and creator of See the Forest Through the Trees (STFTTT), an educational platform focused on retirement planning, retirement tax strategies, Social Security analysis, Roth conversions, and financial planning for retirees and business owners. This channel focuses on helping retirees, pre-retirees, and business owners make smarter financial decisions through tax-aware planning, long-term thinking, and real-world retirement strategies. #RetirementPlanning #RetirementTips #RetirementIncome #FinancialPlanning #RetirementStrategy #SocialSecurity #RothConversion #RetirementSavings #RetirementTaxes #RetirementAdvice Topics covered regularly include: • Social Security claiming strategies • How Social Security is taxed • Roth conversion timing • Retirement withdrawal strategies • Tax-efficient retirement income • IRMAA and Medicare premiums • Retirement mistakes to avoid • Survivor planning strategies • Retirement planning for business owners No fear-based financial media. No hype. Just clear explanations and practical retirement planning frameworks. 00:00-Intro 00:20-Your Paycheck 01:41-Your Health Insurance 02:30-Your Spending Money 03:36-Your Tax Strategy 04:45-Your Cash 05:48-Your Beneficiaries 06:58-Your Insurance 07:55-Your Estate Plan 08:43-Your Social Security Plan 09:52-Your Survivor Plan ➡️ ➡️Free Retirement and Financial Planning Resources Here: https://celestialwm.com/ptpebook-go/ ⬅️⬅️ ⭐Support the Channel by Becoming a Community Member⭐ 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join Recommended Financial Planning 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 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.

  5. Oct 1

    The 10 Cheapest States to Live in America in 2026

    Which states are the cheapest—and most expensive—to live in America in 2026? In this video, Colin Exelby, CFP® breaks down the latest cost-of-living rankings, comparing housing, groceries, utilities, transportation, healthcare, and other everyday expenses across the country. You’ll see why Oklahoma ranks as the cheapest state, why Hawaii sits at the other extreme, and how a lifestyle costing $60,000 in Oklahoma could cost nearly $133,000 in Hawaii. We’ll also look at surprising results from states like Florida, Texas, and Maryland and explain why your location can have such a major impact on your retirement plan. More New Yorkers Are Moving to Philadelphia Than Any Other City, According to New Report: https://philadelphia.today/2026/09/new-yorkers-are-moving-to-philadelphia/ #Retirement #CostOfLiving #RetirementPlanning #BestStatesToRetire #CheapestStates #RetirementTips #PersonalFinance #RetirementIncome #FinancialPlanning #retiresmart 00:00-Intro 01:22- 10th Cheapest State 01:57- 9th Cheapest State 02:29- 8/7th Cheapest State 03:09- 6th Cheapest State 03:42- 5th Cheapest State 04:19- 4th Cheapest State 04:42- 3rd Cheapest State 05:05- 2nd Cheapest State 05:42- 1st Cheapest State 09:10- 5th Most Expensive State 10:15- 4th Most Expensive State 10:41- 3rd Most Expensive State 11:09- 2nd Most Expensive State 12:06- 1st Most Expensive State 13:04- Cheapest vs Expensive State Side by Side Colin Exelby, CFP® is a CERTIFIED FINANCIAL PLANNER™ Professional, founder of Celestial Wealth Management, and creator of See the Forest Through the Trees (STFTTT), an educational platform focused on retirement planning, retirement tax strategies, Social Security analysis, Roth conversions, and financial planning for retirees and business owners. This channel focuses on helping retirees, pre-retirees, and business owners make smarter financial decisions through tax-aware planning, long-term thinking, and real-world retirement strategies. Topics covered regularly include: • Social Security claiming strategies • How Social Security is taxed • Roth conversion timing • Retirement withdrawal strategies • Tax-efficient retirement income • IRMAA and Medicare premiums • Retirement mistakes to avoid • Survivor planning strategies • Retirement planning for business owners No fear-based financial media. No hype. Just clear explanations and practical retirement planning frameworks. ➡️ ➡️Free Retirement and Financial Planning Resources Here: https://celestialwm.com/ptpebook-go/ ⬅️⬅️ ⭐Support the Channel by Becoming a Community Member⭐ 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join Recommended Financial Planning 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 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.

  6. Sep 23

    The 50% Social Security Spousal Benefit: Why You Can’t Collect Both

    Social Security spousal benefits can be confusing, especially when you hear that you may be eligible for up to 50% of your spouse’s benefit. But that doesn’t mean you receive half of your spouse’s check on top of your own benefit. In this video, Colin Exelby, CFP® explains how the 50% Social Security spousal benefit actually works, how your own benefit factors into the calculation, what happens if you claim early, and why delaying until 70 doesn’t increase the maximum spousal benefit. We’ll also look at how couples can coordinate their filing decisions and consider the impact on future survivor benefits. ➡️ ➡️ Check out my comprehensive Social Security Guide: https://celestialwm.com/social-security-guide/ 00:00-Intro 00:52-50% × Higher Earner's Full Retirement Age Benefit 03:24-Current Spouse: Worker Must Be Receiving Benefits 04:18-Waiting until 70 does not increase the 50% amount 05:25-The early-filing trap: “up to” 50% 06:38-Should the higher earner wait until 70? 09:16-When the answer may change 10:08-The five numbers to check before filing #SocialSecurity #SocialSecurityBenefits #SpousalBenefits #SocialSecuritySpousalBenefits #RetirementPlanning #RetirementIncome #SocialSecurityTips #RetirementStrategy #RetirementTips #SocialSecurity2026 Colin Exelby, CFP® is a CERTIFIED FINANCIAL PLANNER™ Professional, founder of Celestial Wealth Management, and creator of See the Forest Through the Trees (STFTTT), an educational platform focused on retirement planning, retirement tax strategies, Social Security analysis, Roth conversions, and financial planning for retirees and business owners. This channel focuses on helping retirees, pre-retirees, and business owners make smarter financial decisions through tax-aware planning, long-term thinking, and real-world retirement strategies. Topics covered regularly include: • Social Security claiming strategies • How Social Security is taxed • Roth conversion timing • Retirement withdrawal strategies • Tax-efficient retirement income • IRMAA and Medicare premiums • Retirement mistakes to avoid • Survivor planning strategies • Retirement planning for business owners No fear-based financial media. No hype. Just clear explanations and practical retirement planning frameworks. ➡️ ➡️Free Retirement and Financial Planning Resources Here: https://celestialwm.com/ptpebook-go/ ⬅️⬅️ ⭐Support the Channel by Becoming a Community Member⭐ 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join Recommended Financial Planning 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 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.

  7. Sep 13

    Retirees, Stop Paying Cash for Your Car - The Real Reason

    If you’re retired and thinking about paying cash for your next car, you may want to reconsider before writing that check. Paying cash might feel like the financially responsible choice—no monthly payment, no interest, and no debt. But depending on where that money comes from, paying cash could actually cost you significantly more than you realize. In this video, Colin Exelby, CFP® explains why retirees should think twice before automatically paying cash for a vehicle, how financing can sometimes work in your favor, and why the account you use to fund a major purchase can have a big impact on your retirement. We’ll cover how to negotiate the actual price of the vehicle instead of the monthly payment, when low-interest financing could make sense, and why pulling $50,000 from a traditional IRA could potentially create additional taxes, affect Social Security taxation, and even increase future Medicare premiums. The question isn’t simply, “Can I afford this car?” The better question is: Which money should I use to pay for it? Before making your next major purchase in retirement, make sure you understand how it fits into your overall retirement income and tax strategy. #Retirement #RetirementPlanning #RetirementIncome #RetirementTaxes #FinancialPlanning #CarBuying #IRA #SocialSecurity #Medicare #retirementtips 00:00-Intro 00:46-Don't Tell The Dealer You're Paying Cash 02:05-Negotiate the Car: Not The Payment 03:30-Sometime Financing Makes the Car Cheaper 05:00-The $50,000 Car Can Turn Into a $70,000 Car 06:51-This is Where Retirement Planning Changes the Answer 09:31-How I'd Actually Buy the Car 10:43-When Cash is Still the Right Answer Colin Exelby, CFP® is a CERTIFIED FINANCIAL PLANNER™ Professional, founder of Celestial Wealth Management, and creator of See the Forest Through the Trees (STFTTT), an educational platform focused on retirement planning, retirement tax strategies, Social Security analysis, Roth conversions, and financial planning for retirees and business owners. This channel focuses on helping retirees, pre-retirees, and business owners make smarter financial decisions through tax-aware planning, long-term thinking, and real-world retirement strategies. Topics covered regularly include: • Social Security claiming strategies • How Social Security is taxed • Roth conversion timing • Retirement withdrawal strategies • Tax-efficient retirement income • IRMAA and Medicare premiums • Retirement mistakes to avoid • Survivor planning strategies • Retirement planning for business owners No fear-based financial media. No hype. Just clear explanations and practical retirement planning frameworks. ➡️ ➡️Free Retirement and Financial Planning Resources Here: https://celestialwm.com/ptpebook-go/ ⬅️⬅️ ⭐Support the Channel by Becoming a Community Member⭐ 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join 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.

  8. Sep 3

    How Much Should You Be Investing If You Have a Pension?

    If you have a pension, how much do you actually need to invest for retirement? Do you still need to save 15%, 20%, or even 25% of your income—or could your pension mean you're already saving enough? In this video, Colin Exelby, CFP® explains how to look at your pension, Social Security, 401(k), IRA, and other investments as one complete retirement plan. Rather than chasing an arbitrary savings number, you'll learn how to calculate the income gap your investments actually need to cover. We also cover how having guaranteed pension income can affect your investment strategy, whether you may be able to save less, the importance of inflation and survivor benefits, and why building investments outside of your pension can give you more flexibility to retire on your terms. Ultimately, retirement isn't about accumulating the largest possible portfolio. It's about creating enough reliable income and flexibility to fund the retirement you actually want. #RetirementPlanning #Pension #PensionPlanning #Retirement #401k #SocialSecurity #Investing #RetirementIncome #FinancialPlanning #RetirementSavings 00:00-Intro 00:44-Start With the Income Gap 02:19-Your Pension Has a Value 03:13-Your Pension Can Change 06:25-Should You Save Less 09:00-Why I Still Like Saving Even With a Pension 10:00-Could You Save Too Much 11:00-The Calculation Colin Exelby, CFP® is a CERTIFIED FINANCIAL PLANNER™ Professional, founder of Celestial Wealth Management, and creator of See the Forest Through the Trees (STFTTT), an educational platform focused on retirement planning, retirement tax strategies, Social Security analysis, Roth conversions, and financial planning for retirees and business owners. This channel focuses on helping retirees, pre-retirees, and business owners make smarter financial decisions through tax-aware planning, long-term thinking, and real-world retirement strategies. Topics covered regularly include: • Social Security claiming strategies • How Social Security is taxed • Roth conversion timing • Retirement withdrawal strategies • Tax-efficient retirement income • IRMAA and Medicare premiums • Retirement mistakes to avoid • Survivor planning strategies • Retirement planning for business owners No fear-based financial media. No hype. Just clear explanations and practical retirement planning frameworks. ➡️ ➡️Free Retirement and Financial Planning Resources Here: https://celestialwm.com/ptpebook-go/ ⬅️⬅️ ⭐Support the Channel by Becoming a Community Member⭐ 👇https://www.youtube.com/channel/UC13s0hQVkEv-azgzhOe8QXA/join Recommended Financial Planning 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 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.

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About

Retirement planning, Social Security strategy, Roth conversions, and retirement tax planning are explained clearly for retirees, pre-retirees, and business owners. Hosted by Colin Exelby, CFP®, founder of Celestial Wealth Management and creator of See the Forest Through the Trees (STFTTT), this podcast focuses on helping people make smarter retirement and financial decisions through tax-aware planning, long-term thinking, and real-world retirement strategies. Episodes cover topics including: • Social Security claiming strategies • How Social Security is taxed • Roth conversion planning • Retirement income strategies • Required Minimum Distributions (RMDs) • Medicare IRMAA premiums • Retirement withdrawal sequencing • Tax-efficient retirement planning • Retirement mistakes and planning tradeoffs • Financial planning for business owners and retirees The goal is not fear-based financial media or generic investment commentary. The goal is helping people simplify complex retirement decisions and better understand how taxes, income planning, and long-term financial choices interact over time. Designed for people approaching retirement, already retired, or seeking greater financial clarity around Social Security, taxes, retirement income, and wealth planning. New episodes released regularly.

Information

  • Creator
    Celestial Wealth Mgmt
  • Years Active
    2025 - 2026
  • Episodes
    87
  • Rating
    Clean
  • Copyright
    © Copyright 2025 All rights reserved.
  • Show Website
    See The Forest Through the Trees

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