Many retirees are often shown the same misleading “Social Security break-even age,” but that number is misleading once you factor in the real math.
Portfolio returns, time value of money, sequence-of-returns risk, and lifestyle trade-offs are often never shown.
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In this video, I walk through a real example using new financial planning software to reveal:
👉How investment growth dramatically shifts the break-even point
👉Why delaying often requires you to live into your 90s for it to pay off
👉How taking benefits earlier can protect your portfolio during down markets
All of this can give you more economic freedom in your healthy, active years.
It's not about chasing the biggest check anymore — it’s about building flexibility, minimizing risk, and making the smartest possible Social Security decision based on your actual retirement plan.
#socialsecurity #retirementplanning #retirementincome #financialfreedom #retirementtips #taxplanning #portfolio #wealthbuilding #personalfinance #retirementstrategy
00:00-Intro
01:26-Social Security Break-Even Example
02:58-The Time Value of Money
03:56-Opportunity Cost Break-Even Example
08:24-The Sequence-of-Returns Risk
10:15-The Lifestyle Trade-Off
10:57-Making It Practical
11:57-The Bigger Picture
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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.
We strive to help you:
*Optimize Your Cash Flow
*Minimize Your Taxes
*Build Your Net Worth
*Create a Lasting Legacy
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DISCLOSURES
Celestial Wealth Management, LLC is registered as an investment adviser in the State of Maryland and Texas.
Neither the information nor any opinion constitutes an offer or an invitation to make an offer, to buy or sell any securities or other financial instruments.
This video is not intended to provide personal investment advice and it does not take into account the specific investment objectives, financial situation and the particular needs of any specific person.
Investors should seek financial advice regarding the appropriateness of investing in financial instruments and implementing investment and planning strategies discussed in this video and should understand that statements regarding future prospects may not be realized.
Nothing provided here constitutes tax advice. Individuals should seek the advice of their own tax advisor for specific information regarding tax consequences of investments.
Investments in securities entail risk and are not suitable for all investors. This is not a recommendation nor an offer to sell (or solicitation of an offer to buy) securities in the United States or in any other jurisdiction. All investment strategies have the potential for profit or loss.
