See The Forest Through the Trees
Claim This Podcastby Celestial Wealth Mgmt
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Podcast Overview
<p>Retirement planning, Social Security strategy, Roth conversions, and retirement tax planning are explained clearly for retirees, pre-retirees, and business owners.</p> <p>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.</p> <p>Episodes cover topics including:</p> <p>• Social Security claiming strategies<br />• How Social Security is taxed<br />• Roth conversion planning<br />• Retirement income strategies<br />• Required Minimum Distributions (RMDs)<br />• Medicare IRMAA premiums<br />• Retirement withdrawal sequencing<br />• Tax-efficient retirement planning<br />• Retirement mistakes and planning tradeoffs<br />• Financial planning for business owners and retirees</p> <p>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.</p> <p>Designed for people approaching retirement, already retired, or seeking greater financial clarity around Social Security, taxes, retirement income, and wealth planning.</p> <p>New episodes released regularly.</p>
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🇺🇲
Publishing Since
1/1/2025
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Recent Episodes
July 31, 2026
3 Retirement Tax Mistakes That Cost Thousands (Real World Examples)
A retirement tax strategy can look smart on its own and still create a larger tax bill somewhere else.In this video, Colin Exelby, CFP® explains three common retirement tax mistakes: failing to use the 0% long-term capital gains bracket, triggering the Social Security tax trap, and converting too much—or too little—from a traditional IRA to a Roth IRA.Retirement withdrawals, capital gains, Social Security benefits, Roth conversions, required minimum distributions, and Medicare IRMAA are all connected. A capital gain taxed at 0% can still cause more of your Social Security to become taxable. A Roth conversion intended to reduce future RMDs can trigger higher Medicare premiums or push income into a higher tax bracket.The goal is not simply to minimize taxes this year. It is to coordinate these decisions to potentially reduce your lifetime retirement tax bill.TOPICS COVERED:• How the 0% long-term capital gains bracket works in 2026• Using tax-gain harvesting to increase your cost basis• How provisional income determines Social Security taxation• Why a 12% tax bracket can produce a 22.2% effective marginal rate• The risks of under-converting and over-converting to a Roth IRA• Coordinating Roth conversions, RMDs, IRMAA and survivor taxes• Creating an annual retirement tax projectionLEARN MORE:⭐How Social Security Is Taxed⭐ 👇https://celestialwm.com/how-social-security-is-taxed/⭐Roth Conversion Timing Guide⭐ 👇https://celestialwm.com/roth-conversion-timing-guide/#RetirementTaxes #RetirementPlanning #RothConversion00:00-Unrealized Tax Planning Mistakes00:33-Topics Covered In this Video00:55-What is See the Forest Through the Trees?01:28-Mistake #1: Wasting the 0% Capital Gains Rate05:18-Mistake #2: The Social Security Tax Trap 08:40-Mistake #3: Converting to Roth Without a Tax Plan12:27-The Coordination Checklist[About] 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.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/joinAffiliate 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.DISCLOSURESCelestial 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 stra
July 21, 2026
5 Ways to Increase Your Social Security Benefit in 2026
Your Social Security estimate may not be as fixed as you think.In this video, Colin Exelby, CFP® explains five ways you may be able to increase your Social Security benefit—even if you are already in your 60s or have started collecting.Social Security uses your highest 35 years of covered earnings to calculate your retirement benefit. Missing years are counted as zeros, while new high-earning years may replace lower years already included in the calculation. Your claiming age, earnings record, and coordination of spousal and survivor benefits can also make a significant difference.The goal is not simply to generate the largest possible monthly Social Security check. It is to choose a strategy that works with your taxes, investments, portfolio withdrawals, health, longevity, and complete retirement-income plan.TOPICS COVERED:• How Social Security calculates your retirement benefit• Finding and correcting errors in your earnings record• Replacing zero-earning years in the 35-year calculation• Replacing lower-earning years by continuing to work• Increasing benefits after you have started collecting• How claiming at 62, full retirement age or 70 changes your check• Social Security withdrawal and voluntary suspension options• Coordinating spousal and survivor benefits• Why maximizing Social Security may not maximize your retirement planSOCIAL SECURITY CLAIMING GUIDE:Learn how claiming age, spousal benefits, survivor benefits, taxes and retirement income should be coordinated:👉https://celestialwm.com/social-security-guide/Max Out Your Social Security with THIS Formula👉https://youtu.be/tbmc-nk9z1A#SocialSecurity #RetirementPlanning #socialsecuritybenefits 00:00-5 Ways to Increase Your Social Security Benefit in 202601:00-How social security is calculated02:00-Check your earnings record03:26-Replace zero earning years04:57-Replace low earning years07:30-Change when you claim10:05-Coordinate spousal and survivor benefits12:44-The 5 question checklist [About] 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.➡️ ➡️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/joinAffiliate 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.DISCLOSURESCelestial 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.
June 25, 2026
Give Me 10 Minutes and I’ll Make You EXTREMELY Confident Enough to Retire
If you've ever wondered, "Am I really ready to retire?", this video is for you.Many people don't retire too late because they don't have enough money—they retire too late because they lack confidence in their retirement plan. In this video, Colin Exelby, CFP® explains how to build retirement confidence by stress testing your financial plan, practicing your retirement income strategy, and understanding the key decisions that create long-term financial security.In this video you'll learn:• Why retirement confidence comes from evidence, not emotion• How to stress test your retirement plan before you retire• Why practicing your retirement budget can reduce financial anxiety• How to spend confidently without feeling guilty• The biggest mistake that keeps many people working longer than necessary• Why retirement planning is about more than just reaching a certain account balance• How Social Security fits into a successful retirement income planRetirement isn't about eliminating every risk. It's about building a plan that gives you the confidence to enjoy the retirement you've spent decades preparing for.📘 Free Social Security Planning Guidehttps://celestialwm.com/social-security-guide/▶ Watch Next:The Social Security Decision Married Couples Get Wrong00:00-Give me 9 Minutes and I'll Make you Confident in Retirement00:24-The one more year trap01:19-Confidence comes from the proof01:45- Stress testing the plan03:12-Practice retirement before you retire04:20-Give your money a purpose05:39-You may never feel completely ready06:40-The real risk07:24-The big ideaIf you're looking for retirement planning advice, retirement income strategies, Social Security planning, withdrawal strategies, Roth conversions, tax-efficient retirement planning, or ways to retire with confidence, this channel is dedicated to helping pre-retirees and retirees make better financial decisions through thoughtful, evidence-based planning.#RetirementPlanning #Retirement #RetirementIncome #SocialSecurity #FinancialPlanning[About] 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.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/joinAffiliate 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.DISCLOSURESCelestial 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
77 total episodes available
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- What is See The Forest Through the Trees?
<p>Retirement planning, Social Security strategy, Roth conversions, and retirement tax planning are explained clearly for retirees, pre-retirees, and business owners.</p> <p>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.</p> <p>Episodes cover topics including:</p> <p>• Social Security claiming strategies<br />• How Social Security is taxed<br />• Roth conversion planning<br />• Retirement income strategies<br />• Required Minimum Distributions (RMDs)<br />• Medicare IRMAA premiums<br />• Retirement withdrawal sequencing<br />• Tax-efficient retirement planning<br />• Retirement mistakes and planning tradeoffs<br />• Financial planning for business owners and retirees</p> <p>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.</p> <p>Designed for people approaching retirement, already retired, or seeking greater financial clarity around Social Security, taxes, retirement income, and wealth planning.</p> <p>New episodes released regularly.</p> - How often does this podcast release new episodes?
This podcast updates daily.
- Where can I listen to this podcast?
This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
- Does this podcast accept guests?
No, this podcast does not typically feature guests.
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