Shows
See The Forest Through the TreesWhat to Do With Your 401(k) at Retirement — 3 Options ExplainedWhat to do with your 401(k) when you retire? This is one of the biggest (and most stressful) financial decisions retirees face, and the wrong move can trigger massive taxes or cost you long-term control. In this video, I break down the three real options you have with your 401(k), explain how each one works, and show you why rolling into an IRA is often the most flexible choice. I also share a free e-book that lays everything out side by side so you can choose confidently and avoid costly mistakes.
★☆★Get My Free E...
2025-12-1205 min
See The Forest Through the TreesStop Wasting Thousands in Retirement — The Real Money Leak No One Talks AboutWhat expenses to cut in retirement? Most retirees worry about running out of money. In this video, I break down the hidden costs draining thousands from retirees every year, the fastest 5-minute fix that can put real money back in your pocket, and the one expense almost every household needs to cut immediately. These small tweaks can completely transform your financial confidence in retirement. Watch to protect your savings and build a retirement you actually enjoy.
#retirementplanning #retirehappy #financialfreedom #moneymistakes #retirees #personalfinance #savingshacks #financialadvisor #wealthbuilding #budgetingtips
00:00-Intro
2025-12-1008 min
See The Forest Through the TreesAvoid the Retirement Tax Trap: Find Your Ideal IRA & 401(k) Balance (2026)Most people don’t realize there’s an ideal amount to keep in pre-tax retirement accounts—and going above or below it can dramatically increase your lifetime tax bill. In this video, I show couples and single retirees how to find their “sweet spot” for truly tax-free income by aligning RMDs, Social Security taxation, and the standard deduction. You’ll see real examples, why the traditional “max out pre-tax” advice often backfires, and how to calculate the exact IRA balance that keeps your withdrawals tax-free. If you want a retirement plan that protects your Social Security, reduces taxes, and gives you more c...
2025-12-0513 min
See The Forest Through the TreesThe SECRET Social Security Math Nobody Shows RetireesMany 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.
⭐This video is sponsored by Chapter. Find out more about your Medicare options by speaking with a real human in the U.S. Call Chapter to schedule your complimentary appointment at ➡️
(818) 924-2041 or visit ➡️ https://askchapter.org/CWM⭐
In this video, I walk through a r...
2025-11-2113 min
See The Forest Through the TreesCREATE Tax-Free Income Using The Sweet Spot in the Tax CodeIn today’s video, we break down why the current tax code is one of the biggest opportunities you’ll ever have to build tax-free retirement income. With historically low tax brackets, massive standard deductions, new senior bonus deductions, and wide “sweet spots” that allow you to reposition income strategically, the window for smart planning has never been better. Whether you’re doing Roth conversions, managing taxable income, or optimizing long-term capital gains at 0%, understanding the difference between income and taxable income could save you thousands now—and potentially tens of thousands later. This environment won’t last forever, and with risin...
2025-11-1413 min
See The Forest Through the TreesHow Many Americans ACTUALLY Have $1 Million or More?Ever wonder how many Americans are millionaires? 💰 In this video, we break down what it really means to have a $1 million net worth — and the surprising truth behind the stats. Using data from the 2025 UBS Global Wealth Report, we’ll show you how many people truly fit the definition, what counts toward millionaire status, and why the averages you see online can be so misleading.
⭐This video is sponsored by Chapter. Find out more about your Medicare options by speaking with a real human in the U.S. Call Chapter to schedule your complimen...
2025-11-0409 min
See The Forest Through the TreesWhy Retirement Changes Once You Save $2M In RetirementReaching the $2 million milestone in retirement isn’t the finish line—it’s a turning point. In this video, we’ll unpack the five biggest traps that quietly drain wealth from retirees, and the four-pillar framework you can use to protect and grow what you’ve built. From hidden tax risks to poor portfolio alignment and legacy blind spots, you’ll discover how to shift from accumulation to preservation with confidence. Whether you’re approaching retirement or already there, this video will show you how to keep more of what you’ve earned, simplify your strategy, and enjoy the freedom you’ve w...
2025-10-3010 min
See The Forest Through the TreesThe BIGGEST Retirement Myths Told By Finance GurusIn this video, I’m breaking down two of the most misleading retirement “rules” that continue to circulate online — Dave Ramsey’s 8% withdrawal rule and Suze Orman’s $5 million to retire claim. While these ideas might sound empowering, they can actually set you up for disaster if you follow them blindly. I’ll explain why retirement planning plays by a completely different set of rules — where the goal shifts from building wealth to protecting it — and show you how sequence of returns risk, inflated market assumptions, and one-size-fits-all advice can destroy even the best-laid plans. Plus, you’ll see how a structured app...
2025-10-2413 min
See The Forest Through the TreesHow to Get Nearly FREE Health Insurance Before Medicare (Even If Subsidies Expire)Retiring before you are eligible for Medicare? In this video, Colin Exelby, CFP® Shows you strategies for covering the healthcare gap in early retirement.
Retiring at 62 might sound exciting, but there’s one huge challenge that catches most people off guard — healthcare. You won’t qualify for Medicare until 65, and those three years in between can cost $20,000 to $30,000 per year if you’re not prepared. In this video, I break down exactly how to bridge that healthcare gap without draining your savings — from using Roth IRA and HSA withdrawals strategically, to qualifying for ACA subsidi...
2025-10-1713 min
See The Forest Through the TreesStop Overpaying on Social Security Taxes — Here’s the Real StrategyIn this video, Colin Exelby, CFP® covers how social security taxation works and how to minimize it
Most retirees are shocked to learn that up to 85% of their Social Security benefits can be taxed — but it doesn’t have to be that way. In this video, I’ll break down exactly how Social Security taxes work, where they came from, and how you can legally lower or even eliminate them. You’ll learn how provisional income is calculated, what counts (and doesn’t count) toward it, and how using Roth IRAs, HSAs, annuities, and real es...
2025-10-1010 min
See The Forest Through the Trees60 Years Old and Nothing Saved for Retirement - Top 10 RecommendationsIn this video, Colin Exelby, CFP® covers his top 10 recommendations if you are 60 years old and have nothing saved for retirement.
If you’re 60 years old and don’t have anything saved for retirement, you’re not alone—and it’s not too late to turn things around. In this video, I share 10 powerful strategies to help you gain control of your finances, reduce stress, and create a retirement you can feel confident about. From cutting expenses and paying off debt to automating savings, rethinking work, and even improving your health, these steps go beyond t...
2025-09-2319 min
See The Forest Through the TreesMedicare Advantage Plans LEAVING 2026: 1,000,000+ Seniors AffectedIn this video, Colin Exelby, CFP® explains why over 1,000,000 Seniors Are Losing Medicare Advantage Plans in 2026. United healthcare announced plan exits that will impact 600,000+ members. Other large and small carriers will follow suit.
Stay informed with this video explaining upcoming changes to Medicare Advantage plans in 2026, which could impact millions. Understand your Medicare eligibility and how these changes to medicare part a and b explained affect your Medicare premiums. Get insurance tips to navigate your medicare sign up and find medicare plans near me.
If your plan i...
2025-09-1710 min
See The Forest Through the Trees5 Things to Sell BEFORE RetiringIn this video Colin Exelby, CFP® explains 5 things you should consider selling before you retire
Retirement isn’t just about what you add — sometimes the real freedom comes from what you let go of. From oversized homes and extra cars to complicated investments and unused toys, downsizing can give you back your time, money, and energy. In this video, I’ll show you why letting go of the right things before retirement can help you live lighter, freer, and with more peace of mind in your next chapter.
#reti...
2025-09-0810 min
See The Forest Through the TreesYour First Year of Retirement: Expect These 5 ThingsIn this video Colin Exelby, CFP® explains 5 things you should expect in year 1 of retirement.
Most people think about what they are retiring from....but what are you retiring to?
Retirement isn’t a finish line—it’s the starting point. The first year after you stop working is full of surprises that no spreadsheet can prepare you for: shifting routines, relationship adjustments, identity changes, and financial realities that feel different when your portfolio becomes your paycheck. In this video, I’ll share five of the most common curveballs new retirees...
2025-09-0408 min
See The Forest Through the TreesThe BEST REASON to Retire As Soon As Possible!In this video Colin Exelby, CFP® explains the top reason you should consider retirement sooner than later.
If you’ve saved enough to retire, waiting longer might be the biggest mistake you ever make. Money gives you security and freedom, but once you reach “enough,” extra years of work don’t add real value — they only cost you time. In this video, I’ll show you why your healthiest, most vibrant years are too precious to trade for money you may never use, and why retiring sooner could change your life.
2025-08-2108 min
See The Forest Through the Trees4 Things you MUST KNOW if You’re Retiring With A PensionIn this video Colin Exelby, CFP® explains how a pension changes your retirement planning.
Retirement planning looks completely different when you have a pension — and only 24% of working Americans do. That extra stream of guaranteed income can be a huge advantage, but it also comes with unique challenges for taxes, Social Security timing, survivor benefits, and investing. In this video, we’ll cover the four biggest things every pension holder must know: understanding exactly how your pension works, avoiding tax traps (including the “widow’s penalty”), choosing the right payout option, and making your pensio...
2025-08-1512 min
See The Forest Through the TreesShould You Pay Off Your Mortgage Early or Invest? (Real Life Example)Should you pay off your mortgage early—or keep it and invest instead? In this video, we break down both sides using real numbers based on today’s interest rates, expected investment returns, and even a real client scenario. You’ll learn about mortgage efficiency, how to compare debt costs to investment potential, and the emotional side of being debt-free. By the end, you’ll know exactly how to decide what’s right for your situation—whether that’s paying it off, investing the difference, or taking a balanced approach.
#mortgage #mortgagetips #personalfinance #mortgagepayoff...
2025-08-0816 min
See The Forest Through the TreesHow Trump’s Tax Law Will Actually Affect Your Tax Bill ($6,000 Senior Deductions, Roth, IRA)In this video Colin Exelby, CFP® dives deep into the new "Big Beautiful Bill" tax law.
A brand-new 870-page bill just passed, and it’s filled with changes that could have a major impact on your retirement. If you're already retired or just a few years away, now’s the time to pay attention. In this video, I’ll break down the most important updates—without wasting your time. We’re talking about permanent tax bracket changes, a bigger standard deduction, a brand-new Senior Bonus Deduction, updates to Social Security taxation, and even a few surpr...
2025-07-3112 min
See The Forest Through the Trees4 Ways to Pay Off Your Mortgage Early (Ugly TRUTH About Mortgage Interest)Most people think their mortgage is just about the monthly payment—but that’s only part of the story. In this video, we break down the real cost of mortgage interest, how it’s calculated, and how much you’re really paying over the life of the loan. Then we dive into 4 proven strategies (plus one powerful bonus tactic) to help you pay off your mortgage faster and save tens—if not hundreds—of thousands in interest. No gimmicks. No refinancing needed. Just smart, actionable steps you can take starting today.
Whether you're a first-time...
2025-07-2513 min
See The Forest Through the TreesRetire at 60? The Shocking Average Savings vs. What You Actually NeedIn this video Colin Exelby, CFP® breaks down the average savings in America vs the number you actually need for retirement.
Wondering how much you really need to retire at 60? You’re not alone—and the answer might surprise you. While headlines throw out scary numbers like $800,000 based on outdated “rules of thumb,” the truth is far more personal. In this video, we break down the real average and median retirement savings, why the popular 8X rule can be misleading, and how Social Security and realistic spending patterns in retirement can dramatically change your requ...
2025-07-1510 min
See The Forest Through the TreesWhy You Might NOT Get Half of Your Spouse’s Social Security (3 Rules)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 thro...
2025-07-1009 min
See The Forest Through the Trees5 Years Out From Retirement? Here’s What You Must Do NowIn 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 guidi...
2025-07-0215 min
See The Forest Through the TreesFINANCIAL ADVISOR EXPLAINS: The 6 Levels of Wealth In AmericaIn 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 wealt...
2025-06-2608 min
See The Forest Through the TreesWhy EVERYTHING in Retirement Changes When You Have a PensionColin 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 r...
2025-06-1712 min
See The Forest Through the TreesIs A Fully Paid Off Home in Retirement ACTUALLY Worth it??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. Wheth...
2025-06-0212 min
See The Forest Through the TreesTrump’s $1,000 Per Child Promise EXPLAINED (What They’re Not Telling You)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 t...
2025-05-3008 min
See The Forest Through the TreesJ.P. Morgan Studied 5 Million Retirees and found 3 SHOCKING Spending Surprises!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 to...
2025-05-3011 min
See The Forest Through the TreesWhat the “Trump Tax Bill” Really Means for Your WalletColin 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 e...
2025-05-2312 min
See The Forest Through the TreesWhere to Pull Funds from First in Retirement?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 Persona...
2025-05-1614 min
See The Forest Through the TreesMy Honest Advice on Working Past Age 65… Retire NOWIs 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 #retire...
2025-05-0911 min
See The Forest Through the TreesRetirement Expert Reveals Why Retiring at 65 May Be A HUGE MISTAKEIn this video, Colin Exelby, CFP® explains the reason why retiring at 65 may be a huge mistake
Most people plan to retire at 65—but what if that’s too late? In this video, I explain why healthy life expectancy—not just how long you live, but how long you stay active and mobile—is the real factor that could make or break your retirement. I’ll break down what the data actually shows, why the U.S. ranks so low, and how waiting too long to retire could mean missing your best years. You’ll also...
2025-05-0114 min
See The Forest Through the TreesAre You Making this EXPENSIVE RMD Mistake? 84% Of Retirees Are!In this video, Colin Exelby, CFP® explains the most common RMD mistake 84% of people might be making—taking only the minimum withdrawal—why it's happening, and how it could quietly cost you thousands in taxes and missed opportunities.
You'll learn how RMDs are calculated, the tax implications of growing account balances, and when it might make sense to take more than the minimum. We also cover tax-efficient strategies like Roth conversions and reinvesting in non-retirement accounts, plus how to avoid IRMAA surcharges and leaving a smarter legacy for your heirs.
2025-04-0418 min
See The Forest Through the TreesThe Hidden Social Security Formula THEY Don’t Want You to Know!In this video, Colin Exelby, CFP® breaks down what a bend point is and how to use it to calculate your social security earnings.
Curious about how your Social Security benefit is actually calculated? It’s not as simple as just working for 35 years! In this video, I break down the secret government formula—including "bend points"—that determine how much of your income actually counts toward your benefits. Spoiler: the more you earn, the less you get back! This is especially important for business owners, as how you pay yourself could significantly impact...
2025-03-1713 min
See The Forest Through the TreesNo Taxes on Social Security? What Trump’s Plan Means for AmericansIn this video, Colin Exelby, CFP® breaks down Trump's plan for eliminating taxes on Social Security.
Nearly 40% of retirees pay taxes on their benefits, despite contributing 12.4% of their income for years. Now, Trump is proposing to eliminate these taxes—potentially the biggest Social Security change in 40 years. But can America afford it? Will it actually happen?
#SocialSecurity #Retirement #Trump #Taxes #PersonalFinance #Wealth #FinanceNews #Investing #MoneyMatters #TaxPolicy
Outstanding Personal Finance Tools👇
Budgeting...👇
★☆★...
2025-03-1209 min
See The Forest Through the TreesHow Much of Your Social Security Income Will Be Taxed... A Second Time?In this video, Colin Exelby, CFP® breaks down how social security is taxed and he provides three specific examples of social security taxation in retirement.
Want to know if your Social Security benefits will be taxed? In this video, I break down the government's complex formula that determines how much—if any—of your Social Security is taxable. While some retirees pay taxes on up to 85% of their benefits, others pay nothing at all. And it’s not just the wealthy getting hit—nearly 40% of Americans are taxed on their Social Security, and that numb...
2025-03-0716 min
See The Forest Through the TreesDid Elon Musk Discover the Biggest Financial Fraud in History?In this video, Colin Exelby, CFP® breaks down Elon Musk’s shocking claim about 20 million active Social Security numbers belonging to people over 100 years old. Is this a lie? If he is correct, it could be a huge deal for the solvency of the Social Security System. Join me and uncover whether this is a massive fraud, if there are millions of payments to 150 year old dead people and if there is truly a government data error.
Elon Musk just exposed what could be the biggest fraud in history—claiming that over 20 million activ...
2025-02-2818 min
See The Forest Through the TreesGen X is in Financial Trouble - Here's How to Fix it.In this video, Colin Exelby, CFP® explains the financial struggles facing Gen X also called "the sandwich generation" and shares actionable strategies to overcome them.
Gen X is in financial trouble, and many won’t realize it until it’s too late. With the oldest Gen Xers turning 60, major retirement decisions are looming, yet many are vastly underprepared. This generation faces unique challenges—from skyrocketing housing costs to inadequate retirement savings—leaving many on track to be worse off financially than their parents. In this video, I break down why this happened, where Gen X sta...
2025-02-2112 min
See The Forest Through the TreesNEW 2025 IRS Tax Brackets - What Retirees Need to KnowIn this video, Colin Exelby, CFP® explains the new 2025 IRS Tax Bracket Changes and how they'll impact you.
The 2025 tax season is here, and there are some key changes you need to know! In this video, we break down updates to the standard deduction, income and capital gains tax brackets, the net investment income tax, and Medicare premium surcharges. Plus, I’ll share smart strategies to lower your tax bill and keep more money in your pocket. Understanding how these updates impact your finances is crucial for effective tax planning. Don’t forget to li...
2025-02-1415 min
See The Forest Through the TreesFinancial Planner REACTS To Dave Ramsey’s Social Security AdviceIn this video, Colin Exelby, CFP® breaks down a key segment from Dave Ramsey's discussion on the best time to collect Social Security.
With over 24 years of experience as a financial advisor, I’ve seen firsthand that there’s no one-size-fits-all answer. Together, we’ll analyze the pros and cons of filing early, the impact of income limits, potential tax consequences, and whether investing early benefits can truly outperform delaying. Dave’s advice works for many—but is it the right fit for you? Let’s dive in and see! Don’t miss my final takeaw...
2025-02-0715 min
See The Forest Through the Trees5 Things to Know BEFORE Opening a High Yield Savings AccountIn this video, Colin Exelby, CFP® explains 5 things you need to know before opening up a High Yield Savings Account.
In this video, I’m sharing 5 lessons I learned with my first HYSA so you don't have the same surprises.
#PersonalFinance #HighYieldSavings #MoneyTips #FinancialFreedom #SavingsAccount #WealthBuilding #InvestSmart #MoneyManagement #FinanceTips #Savings
00:00-Introduction
01:00-The interest rate reality check
02:07-The multiple account advantage
03:45-The tax drawback
05:34-HYSA’s Aren’t The Best Route f...
2025-01-3111 min
See The Forest Through the Trees7 GREAT REASONS to File for Social Security at Age 62Navigating Social Security benefits can be complex, and this video breaks down key strategies for deciding when to file. Discover why the traditional break-even analysis is outdated, learn 7 compelling reasons to collect benefits early, and understand how personal circumstances like health, family dynamics, and financial markets can influence your optimal filing strategy. Whether you're approaching retirement or helping a loved one plan, this guide offers crucial insights to make an informed decision about one of the most important financial choices you'll make.
#SocialSecurity #RetirementPlanning #FinancialTips #EarlyRetirement #RetirementStrategy #PersonalFinance #FinancialIndependence #RetirementBenefits #MoneyManagement #agingwisely
2025-01-2315 min
See The Forest Through the TreesTrump & Musk’s NEW PLAN: Impact On Your Social SecurityDuring his campaign, President Trump promised not to cut Social Security or Medicare benefits and proposed eliminating federal taxes on Social Security distributions—a move that could benefit millions of retirees. But how realistic is this plan, and what are the potential consequences?
In this video, we’ll unpack the history of Social Security taxation, analyze the impact of Trump's proposal, and explore alternative ideas from figures like Vivek Ramaswamy, JD Vance, and Elon Musk. With rising concerns about the Social Security trust fund's solvency, is economic growth really the ultimate solution?
2025-01-1716 min
See The Forest Through the TreesWhen to Claim Social Security: 62 vs 70What if you could be leaving $250,000 on the table with ONE retirement decision? 🤔 In this video, we compare two retirees - Professor Pat and Nurse Nancy - to show how their different Social Security claiming strategies lead to drastically different outcomes in retirement.
We break down:
- The basics of how Social Security benefits are calculated
- Why claiming Social Security at 62 vs 70 could make a $250K+ difference
- A real-world comparison with $1M portfolios
- The looming 2035 Social Security crisis you...
2025-01-1100 min
See The Forest Through the TreesIdeal Time to Claim Social Security: Age 62 vs. 70What if you could be leaving $250,000 on the table with ONE retirement decision? 🤔 In this video, we compare two retirees - Professor Pat and Nurse Nancy - to show how their different Social Security claiming strategies lead to drastically different outcomes in retirement.
We break down:
- The basics of how Social Security benefits are calculated
- Why claiming Social Security at 62 vs 70 could make a $250K+ difference
- A real-world comparison with $1M portfolios
- The looming 2035 Social Security crisis you...
2025-01-1016 min
See The Forest Through the TreesThe Savings Dilemma: The Secret Struggle of Most RetireesRetirement isn’t just about saving—it’s about learning to spend without fear. Many retirees struggle to use the wealth they’ve built, stuck in a “savings trap.” In this video, we’ll tackle why this happens and how to confidently enjoy your retirement.
#RetirementPlanning #FinancialFreedom #WealthManagement #RetireSmart #MoneyMindset #SavingsTrap #RetirementGoals #FinancialPlanning #SpendWisely #retirementwealth
00:00-Introduction
01:50-The Savings Trap
04:22-Why Spending Feels Like Losing
05:45-Unspent Wealth: The Missed Opportunities
08:40- Planning From The Gut
10:45-Re...
2025-01-0913 min
See The Forest Through the TreesRetire ASAP If You Answer YES to These 6 QuestionsEver 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, retir...
2025-01-0810 min
See The Forest Through the TreesRetired At 55?? This is What Happens to Your Social SecurityThinking 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.
...
2025-01-0709 min
See The Forest Through the TreesThe Holy Grail of Investing? Private Equity on the Blockchain...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, w...
2025-01-0528 min
See The Forest Through the TreesWhen it is time to fire your CPA?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...
2025-01-0432 min
See The Forest Through the TreesElder Care Planning 101 | When to Hire an AttorneyThanks 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 cons...
2025-01-0316 min
See The Forest Through the TreesDo This Every Time You Get Paid. Payday Routine from CERTIFIED FINANCIAL PLANNER™ Part 2In 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 i...
2025-01-0313 min
See The Forest Through the TreesDo This Every Time You Get Paid. Payday Routine from CERTIFIED FINANCIAL PLANNER™ Part 1In 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 l...
2025-01-0218 min
Quadrini On AirQuadrini - On Air #101"On Air" is a series of DJ sets produced by Brazilian DJ/Producer Quadrini.
Like, comment, follow our channel.
.
• Follow Quadrini:
Youtube: tinyurl.com/2jbxrran
Spotify: spoti.fi/3lyFeLG
1001 Tracklists: bit.ly/3Z4gRU1
Instagram: bit.ly/3z1mqI1
Soundcloud: bit.ly/2zSvosl
TikTok: bit.ly/3LJwrkG
Facebook: bit.ly/3K2EAzG
Setlist:
1 - Akon - Right Now (Na Na Na) (Waxel Afro House Remix)
2 - Colle, Nes Mburu - Kupata
3 - Armin van Buuren, Louis III - Part Of Me
4 - Modjo - Lady (Hear Me Tonight) - (Caio Vargas Afro House Remix)
5 - Celestial Mayan - Lost (Afro Ho...
2024-09-241h 02
Emi GalvanEmi Galvan / Flowing / Episode 5Emi Galvan / Flowing / Episode 5
Proton Radio - Apr 2018
01. Eleven Sins - Hypnotized
02. Alfa State & Mystic District - Into the Valley
03. Lessovsky - Nostrum
04. Christian Monique - Celestial Body (Fabri Lopez Remix)
05. Hot TuneiK - Presents OneTwo (Robert R. Hardy Remix)
06. Lio Q - Manare
07. Karmon - Major Minor
08. EANP - Communication
09. Nicolas Rada - Tempelhof (Dmitry Molosh Remix)
10. Speaking In Tongues - Passenger
11. MGMT - Little Dark Age (Ri Za Medieval Bootleg)
Suscribe & Listen on iTunes: apple.co/2BovTJ8
Download for free on The Artist Union: https://theartistunion.com/tracks/1e5ef3
▼ JOIN ME ▼
Website: http://www.emigalvan.com
Soundcloud: http...
2018-05-0159 min