Retire Today is a retirement planning podcast for people preparing for or living in retirement. Join Jeremy Keil, CFP®, CFA®, as he shares practical advice on retirement income, Social Security, investing, taxes, and other important financial decisions. Through expert interviews and real-world insights, you’ll learn how to avoid costly mistakes and make confident choices. Learn more at 5StepRetirementPlan.com. For Important Disclosures visit http://keilfp.com/disclosures
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June 16, 202633 min
Retirement Planning Needs More Than a Financial Plan with Toni Petrillo
Most people spend decades preparing financially for retirement.
They contribute to retirement accounts, pay down debt, evaluate Social Security strategies, and work with advisors to make sure their savings can support the next chapter of life. By the time retirement arrives, many have a well-developed financial plan that answers the most important question:
"Can I afford to retire?"
This week I spoke with retirement lifestyle coach Toni Petrillo about a different question—one that often surfaces only after retirement begins:
"Now what?"
Learn about what Toni calls the “in-between chapter” and how to navigate from a meaningful career to a purposeful retirement in this week’s episode of “Retire Today.”
For disclosures and conflicts visit keilfp.com/disclosures.
June 9, 202618 min
Flood Coverage: The Insurance Gap That Could Wash Away Your Retirement Plan
When evaluating flood insurance, many people focus on a single question:
Do I need it?
I think there's a better question.
If your home suffered significant flood damage tomorrow, where would the money come from?
This week I spent some time looking at flood insurance, flood risk, and what retirees should consider when deciding whether they need coverage.
Watch the full episode on the Mr. Retirement YouTube channel: Do I Need Flood Insurance in Retirement? https://youtu.be/XRZKfiY1jGg
For disclosures and conflicts visit keilfp.com/disclosures.
June 2, 202630 min
Retire Against the Norm with Norman Calvo – A True Retirement Story
Norman Calvo explains how he found a third act in retirement by going against the norm and choosing adventure instead of a typical retirement.
https://youtu.be/81atmTUjBWE
One of the questions I ask people as they approach retirement is deceptively simple:
What are you retiring to?
Most retirement planning conversations focus on finances. That’s understandable. People want to know if they’ve saved enough, whether their investments are positioned correctly, how Social Security fits into the picture, and what taxes might look like in retirement.
Those are important questions, and they’re exactly the kinds of issues my team helps clients navigate.
But once the financial pieces are in place, another challenge emerges—one that often receives far less attention.
What will make retirement meaningful?
Norman Calvo and I dug deeper into how he was able to find meaning in retirement after decades as a successful business owner in this week’s episode of the Retire Today podcast. Norman discovered an entirely new chapter of life after work. His true retirement story illustrates a lesson I’ve seen repeatedly among retirees: financial independence creates freedom, but it doesn’t automatically create purpose.
The Risk Nobody Plans For
Most people spend years preparing for the financial risks of retirement.
They plan for market volatility.They prepare for inflation.They consider healthcare costs.They evaluate longevity risk.
Yet many people never prepare for a different risk altogether: drift.
Drift rarely happens intentionally. In fact, most retirees who experience it worked incredibly hard to earn the freedom they now possess.
The challenge is that work provides structure. It creates goals, deadlines, responsibilities, relationships, and a sense of progress. For decades, many professionals wake up knowing exactly what needs to be accomplished that day.
Then retirement arrives.
The calendar empties.
The obligations disappear.
The structure that guided daily life for years suddenly vanishes.
For some retirees, that freedom feels exhilarating. For others, it becomes surprisingly disorienting.
Why Purpose Doesn’t Automatically Appear
Norman explained how many people gradually lose touch with the activities that once excited them. Careers expand, family responsibilities increase, and life’s demands naturally push hobbies and interests to the side.
By the time retirement arrives, some people have forgotten what they enjoyed doing before work consumed most of their attention.
As a result, retirement can unintentionally become a period of maintenance rather than growth.
Days become predictable.
Weeks begin to blend together.
And while there’s nothing wrong with relaxation, most people don’t spend decades saving and investing simply to become passive observers in their own lives.
The Power of One New Decision
Norman’s transformation didn’t begin with a grand retirement vision.
It started with a single decision.
A coworker encouraged him to train for a half marathon. At the time, he weighed 247 pounds, worked long hours, and had never been a runner. He wasn’t looking for a new identity. He simply agreed to try something different.
That one decision led to another.
Running led to additional races, including the New York City Marathon. Along the way, he discovered interests and opportunities he never would have anticipated. He joined a choir, performed in cabaret productions, taught English overseas, and even began learning handstands in his seventies.
What stands out isn’t the specific activities.
It’s the willingness to remain curious.
Too often we assume retirement is a time to narrow our world. Norman’s experience suggests the opposite may be true.
Retirement can be a time to expand it.
Create a Plan for Your Life
Throughout our working years, we create plans for almost everything.
Businesses have strategic plans.Families have financial plans.Organizations establish goals and objectives.
Yet many retirees never develop a plan for how they want to spend the freedom they’ve worked so hard to create.
That doesn’t mean every hour needs to be scheduled.
It does mean thinking intentionally about questions such as:
What experiences would I regret never having?
What skills would I like to develop?
What interests have I neglected?
What challenges would energize me?
What relationships deserve more of my attention?
These questions may seem less urgent than investment allocation or tax planning, but they often determine whether retirement feels fulfilling.
Retirement Is More Than Financial Independence
Many successful retirees continue to grow long after they stop working.
They volunteer.They mentor.They travel.They learn.They teach.They pursue interests that were postponed for decades.
Not because they have to.
Because they can.
Financial independence gives people options. The real challenge is deciding how to use those options in a way that creates a life that remains engaging and meaningful.
The Bottom Line
When people think about retirement, they often focus on what they’re leaving behind.
Work.Commutes.Deadlines.Stress.
But retirement is ultimately less about what you’re leaving and more about what you’re building next.
The financial plan creates the opportunity.
The life you create afterward is what gives that opportunity meaning.
As Norman’s story demonstrates, some of the most rewarding experiences in life may not happen before retirement.
They may happen because of it.
Don’t forget to leave a rating for the “Retire Today” podcast if you’ve been enjoying these episodes!
Subscribe to Retire Today to get new episodes every Wednesday.
Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 
Spotify Podcasts: https://bit.ly/RetireTodaySpotify
About the Author:
Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel.
Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times.
Additional Links:
Buy Jeremy’s book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps
Norman Calvo’s Substack
“Against the Norm” podcast
AgainstTheNorm.net
Email Norman Calvo
Connect With Jeremy Keil:
Keil Financial Partners
LinkedIn: Jeremy Keil
Facebook: Jeremy Keil
LinkedIn: Keil Financial Partners
YouTube: Mr. Retirement
Book an Intro Call with Jeremy’s Team
Media Disclosures:
Disclosures
This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy.
The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results.
Legal & Tax Disclosure
Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations.
Advisor Disclosures
Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC.
Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A.
The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only.
Additional Important Disclosures
May 27, 202622 min
Are You In the 2% Club in Retirement? With Joe Schmitz Jr.
Joe Schmitz Jr. and Jeremy Keil explore the 2% Club of retirees and the unique challenges that come with significant retirement savings and a pension.
https://youtu.be/G04JKpKyLJ0
Most retirement conversations focus on one question:
Will I have enough?
But there’s another retirement challenge that doesn’t get talked about nearly enough:
What happens when you’ve done everything right?
Joe Schmitz Jr. has been working with a very specific group of retirees he calls the 2% Club.
His definition:
People who have both:
A pension
And $1 million or more saved for retirement
That combination creates opportunities.
But it also creates a different set of retirement decisions.
Success Creates Different Problems
For decades, these retirees did what they were told:
Saved consistently
Avoided lifestyle inflation
Built meaningful retirement assets
Earned pensions
Stayed disciplined
Now retirement arrives…
…and suddenly the challenge isn’t accumulating wealth.
It’s using it wisely.
Joe shared one statistic that stood out:
“80% of people out there will pay no federal income taxes in retirement… while this 2% club is part of that 20% that will have to pay taxes and typically much more.”
That means retirement planning shifts.
Less focus on accumulation.
More focus on:
Taxes
Spending
Distribution strategy
Legacy
Purpose
Why High-Income Retirees Can Accidentally Become Under-Spenders
One of the most interesting parts of this conversation was Joe’s concept of the Midwestern Millionaire.
His description:
Hard-working.Frugal.Disciplined.
Excellent savers.
Often reluctant spenders.
And that creates an unexpected retirement problem.
People who spent 40 years training themselves to save don’t automatically become comfortable spending.
Even when they can afford it.
Joe described clients who had millions saved but still struggled emotionally to use their money because restraint had become part of their identity.
That’s where retirement planning becomes less about spreadsheets and more about permission.
The Four Places Your Money Can Go
Joe offered a simple framework.
Your money ultimately goes somewhere.
You can:
Spend it
Gift it
Give it
Pay taxes on it
That framework creates an important question:
If you’re not spending your money intentionally…
where is it going?
That doesn’t mean everyone should spend aggressively.
But it does mean retirees should think intentionally about:
Lifestyle
Family impact
Charitable goals
Taxes
Because choosing not to decide is still a decision.
Pension Decisions Deserve More Attention Than Most People Give Them
Joe also emphasized something I see frequently:
People often make pension elections based on coworkers.
Someone retires.Takes a lump sum.Everyone follows.
But pension elections are often irreversible.
Joe’s advice was simple:
Run the numbers.
Questions like these matter:
Lump sum or monthly pension?
Survivor benefits?
Age differences between spouses?
Existing assets?
Insurance needs?
The right answer isn’t universal.
It’s personal.
Don’t Let Tax Fear Control Retirement
For some retirees, fear of crossing an income threshold and triggering Medicare IRMAA surcharges becomes bigger than the actual cost itself.
Joe’s point wasn’t to ignore taxes.
It was to understand them.
Tax planning matters.
But taxes shouldn’t become the only goal.
Because avoiding taxes at all costs can sometimes prevent people from living the retirement they actually built.
The Real Goal
One story Joe shared captured this perfectly.
A retired couple promised each other they’d spend intentionally during their early retirement years.
Two years later…
They had spent nothing.
Not because they couldn’t.
Because they hadn’t learned how.
Eventually they created a spending plan and began enjoying experiences they had delayed for decades.
That’s the shift retirement requires.
You don’t stop being disciplined.
You simply redirect that discipline.
The Bottom Line
Retirement success isn’t measured by how much money you leave untouched.
It’s measured by whether your money helps support the life you actually wanted.
Because after decades of saving…
Retirement planning becomes deciding what your wealth is for.
Don’t forget to leave a rating for the “Retire Today” podcast if you’ve been enjoying these episodes!
Subscribe to Retire Today to get new episodes every Wednesday.
Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 
Spotify Podcasts: https://bit.ly/RetireTodaySpotify
About the Author:
Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel.
Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times.
Additional Links:
Buy Jeremy’s book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps
“How Much Taxes Will Retirees Owe on Their Retirement Income?” – Center for Retirement Research at Boston College
Peak Retirement Planning
Joe Schmitz Jr. on YouTube: https://www.youtube.com/@peakretirementplanninginc.
Articles by Joe Schmitz Jr. on Kiplinger
“Joe Knows Retirement” podcast with Joe Schmitz Jr.
Books by Joe Schmitz Jr.
Connect With Jeremy Keil:
Keil Financial Partners
LinkedIn: Jeremy Keil
Facebook: Jeremy Keil
LinkedIn: Keil Financial Partners
YouTube: Mr. Retirement
Book an Intro Call with Jeremy’s Team
Media Disclosures:
Disclosures
This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy.
The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results.
Legal & Tax Disclosure
Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations.
Advisor Disclosures
Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC.
Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A.
The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only.
Additional Important Disclosures
February 17, 202644 min
Retirees are Worried About Their Security–Here’s What You Can Do About It with Nate Miles
Nate Miles joins Jeremy Keil to discuss how the Allspring retirement research reveals trends of concern among retirees and the options they have to address them.
Mike and Susan did what many couples do. They saved diligently. They crossed the $1 million mark before retirement. They felt prepared.
But when it came time to make actual retirement decisions—when to claim Social Security, how to withdraw from their accounts, how to manage taxes—they realized something uncomfortable:
They had spent decades saving… but very little time learning how to retire.
This example speaks directly to what this year’s Allspring Retirement Study uncovered.
As Nate Miles shared on the “Retire Today” podcast, this wasn’t a small or struggling population. Participants were 50+ with at least $200,000 in investable assets. A third of retirees surveyed had $1 million or more.
Yet only six out of ten retirees said they feel financially secure.
That gap between assets and confidence tells us something important: retirement success isn’t just about how much you’ve accumulated. It’s about how well you transition into distribution.
The Social Security Mistake
One of the most striking findings involved Social Security.
Nate explained:
“One third of our respondents claimed Social Security at 62 years old… because they believed the value or the benefit of waiting was not worth it. Yet they underestimated the value of waiting by 50%.”
Many respondents assumed the benefit grew at 4% per year when delayed. In reality, for most people, it grows closer to 8% annually between full retirement age and 70.
That misunderstanding alone can permanently reduce lifetime income.
In the MAKE step of the 5 Step Retirement Master Plan, Social Security is foundational. For many retirees, it represents 30–40% of their guaranteed income. Optimizing that decision isn’t optional—it’s essential.
And yet, education around it is surprisingly thin.
As Nate pointed out, there are “560-something permutations” of Social Security claiming strategies. It’s ubiquitous, but complicated. And too often, people default to the earliest date simply because it feels tangible.
The Tax Blind Spot
The second major theme of the study? Taxes.
Only about 20% of retirees reported using a tax-efficient withdrawal strategy.
Think about that. After decades of saving in multiple account types—traditional IRAs, Roth IRAs, brokerage accounts—most retirees are simply withdrawing from wherever feels convenient.
Nate put it plainly:
“Taxes matter for everyone, not just the high net worth crowd.”
In the KEEP step of retirement planning, how you withdraw can meaningfully impact how long your money lasts. Choosing between Roth and traditional dollars. Managing capital gains. Coordinating withdrawals with Social Security timing.
These aren’t abstract academic exercises. They are practical levers that affect real income.
Yet as Nate observed, most people spent 40 years having taxes withheld automatically from paychecks. They paid taxes—but they never actively managed them. Retirement flips that script completely.
Now you must choose.
The Psychological Shift No One Talks About
Nate shared that many retirees are comfortable spending above their retirement number—until their account dips below it. The moment it falls beneath that original balance, panic sets in.
Even if the plan accounts for drawdown.
Even if it’s sustainable.
Even if it’s expected.
That’s what I call the “accumulation paradox.” Economists assume you’ll build your assets and gradually spend them down toward zero. Real people assume the number should stay intact forever.
But retirement isn’t about preserving a scoreboard. It’s about funding a life.
This is where the SPEND step meets the INVEST step. You saved to use the money. And yes, at some point, your balance may begin to decline. That’s not failure. That’s function.
Advice Still Matters
One of Nate’s most memorable lines was this:
“Monte Carlo gets 10,000 cracks at retirement. You and I get one.”
We don’t get multiple trial runs. We get one real-life retirement. That’s why quality advice matters.
The study suggests people with pensions are more likely to use annuities. People with advice are more likely to use tax strategies. And people who understand their income sources are more confident.
Retirement is no longer just accumulation. It’s design.
And design requires intention.
If you’re within five years of retirement—or already there—ask yourself:
Have I optimized my Social Security?
Am I intentionally managing taxes?
Do I have a clear income floor?
Am I emotionally prepared to draw down assets?
Because as this year’s research shows, even million-dollar portfolios can feel uncertain without a plan.
Retirement isn’t about guessing well.
It’s about designing well.
Don’t forget to leave a rating for the “Retire Today” podcast if you’ve been enjoying these episodes!
Subscribe to Retire Today to get new episodes every Wednesday.
Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 
Spotify Podcasts: https://bit.ly/RetireTodaySpotify
About the Author:
Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel.
Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times.
Additional Links:
Buy Jeremy’s book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps
Allspring 2026 Retirement Study: By Default or By Design?
Nate Miles, Allspring Global Investments
Connect With Jeremy Keil:
Keil Financial Partners
LinkedIn: Jeremy Keil
Facebook: Jeremy Keil
LinkedIn: Keil Financial Partners
YouTube: Mr. Retirement
Book an Intro Call with Jeremy’s Team
Media Disclosures:
Disclosures
This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy.
The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results.
Legal & Tax Disclosure
Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations.
Advisor Disclosures
Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC.
Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A.
The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only.
Additional Important Disclosures
February 10, 202614 min
Are Roth Conversions Dead in 2026?
Jeremy Keil examines how tax law changes might affect Roth conversion strategies for retirees in 2026.
A few years ago, Roth conversions felt like one of those rare financial strategies that was almost too obvious to ignore. Taxes were historically low. The Tax Cuts and Jobs Act had put a clear expiration date on those lower brackets. And for many retirees, the logic seemed airtight: pay taxes now at a lower rate so you don’t pay more later.
Fast forward to today, and that certainty just isn’t the same.
With new tax legislation making today’s lower tax brackets permanent—at least for now—many retirees are asking a very different question: Are Roth conversions still worth it in 2026 and beyond?
The short answer is yes. But not for the reasons many people think.
The real problem isn’t Roth conversions themselves. The problem is the assumptions people make about them.
Roth conversions exploded in popularity when it appeared obvious that taxes were about to rise. The assumption was straightforward: convert while rates are low, avoid higher taxes later, and you’ll come out ahead.
But that assumption rested on two ideas that don’t always hold up:
That tax rates would definitely rise.
That income in retirement would naturally fall.
For some people, both are true. For many others, neither is.
Markets have been strong. Retirement accounts are larger than expected. Capital gains, pensions, and Social Security stack on top of one another. And suddenly, retirement income isn’t as “low tax” as it once looked on paper.
The Difference Between Tax Bracket and Tax Cost
One of the most common mistakes retirees make is focusing on their tax bracket instead of their tax cost.
On a tax return, you might see yourself in the 12% or 22% bracket and assume Roth conversions are inexpensive. But once Social Security enters the picture, the math becomes more complicated.
As additional income comes in, Social Security benefits that were once tax-free begin to become taxable—up to 85% of the benefit. In that phase-in range, every dollar withdrawn from a traditional IRA can cause more Social Security to be taxed. The result is an effective tax cost that can be significantly higher than the bracket suggests.
This is where many well-intentioned Roth strategies quietly go off track.
Medicare Premiums Change the Equation
Taxes aren’t the only cost that matters.
Medicare income-related premium adjustments—often called IRMAA—are triggered when income crosses certain thresholds. These surcharges commonly appear in two situations: when required minimum distributions begin, and when one spouse passes away and income thresholds are suddenly cut in half.
A Roth conversion that pushes income just over one of these lines can increase Medicare premiums for years. That added cost has to be weighed alongside any future tax savings the conversion might create.
A Cautionary Roth Story
This is where a real-world example brings the point home.
I once worked with a woman to determine the right amount of Roth conversions to do. We carefully mapped out a plan to spread conversions over three tax years so she could stay within reasonable tax and Medicare thresholds.
She was comfortable with the plan. The numbers made sense. We executed the first conversion near the end of the year and agreed to revisit the second one in January.
But after our meeting, she decided to take matters into her own hands.
Rather than following the plan, she converted everything at once. That single decision pushed her income from a moderate tax bracket into much higher ones, triggered additional Medicare premium costs, and permanently locked in taxes that were far higher than necessary.
The intent was good. The outcome was not.
The mistake wasn’t believing in Roth conversions—it was assuming that “more” was always better.
The Real Takeaway for 2026 and Beyond
Roth conversions are not dead. But Roth assumptions are.
Lower tax rates today don’t automatically mean Roth conversions are cheap. A future tax increase isn’t guaranteed. And a zero-tax retirement is not always worth the price paid to get there.
Roth conversions should always be considered—but never assumed.
When done thoughtfully, in the right amounts, and at the right times, they can improve retirement income and flexibility. When done without planning, they can quietly undermine both.
And in retirement, the goal isn’t to win a tax strategy.The goal is to create a better retirement.
Don’t forget to leave a rating for the “Retire Today” podcast if you’ve been enjoying these episodes!
Subscribe to Retire Today to get new episodes every Wednesday.
Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 
Spotify Podcasts: https://bit.ly/RetireTodaySpotify
About the Author:
Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel.
Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times.
Additional Links:
Buy Jeremy’s book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps
Are Roth Conversions for Retirees Dead in 2026 Because of the New Tax Law? By Jeremy Keil, Kiplinger.com 
Connect With Jeremy Keil:
Keil Financial Partners
LinkedIn: Jeremy Keil
Facebook: Jeremy Keil
LinkedIn: Keil Financial Partners
YouTube: Mr. Retirement
Book an Intro Call with Jeremy’s Team
Media Disclosures:
Disclosures
This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy.
The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results.
Legal & Tax Disclosure
Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations.
Advisor Disclosures
Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC.
Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A.
The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only.
Additional Important Disclosures
February 3, 202639 min
The Right Retirement Plan Starts With Better Questions | Eric Brotman
A candid conversation with Eric Brotman on why retirement planning needs structure, flexibility, and fewer assumptions.
One of the things I’ve learned after years of retirement planning conversations is that most people aren’t short on opinions — they’re short on clarity.
They’ve heard plenty of rules.They’ve absorbed countless headlines.They’ve picked up advice from coworkers, friends, and financial media.
But when you slow things down and ask a simple question — “Why are you doing it this way?” — the answer is often some version of, “That’s just what I’ve always heard.”
I recently sat down on the “Don’t Retire… Graduate!” podcast with host Eric Brotman (author of “Don’t Retire, Graduate” and previous guest of my podcast back in the “Retirement Revealed” days) to discuss why building a better retirement plan starts with asking better questions.
Eric is the author of Don’t Retire, Graduate, and his core message is relatable to everyone entering retirement: retirement isn’t a finish line. It’s a transition — and transitions deserve thoughtful planning, not assumptions.
As Eric put it during our conversation, “Most people think retirement is a decision. It’s not. It’s a process.”
Why One-Time Decisions Matter So Much to a Retirement Plan
When you’re working, mistakes are usually correctable. Save too little one year? You can increase contributions later. Invest poorly early on? Time often smooths things out.
Retirement doesn’t work that way.
Retirement is full of one-way doors — decisions you can’t easily undo. Social Security claiming. Pension elections. Medicare choices. Tax strategies. 
Once those decisions are made, you often live with them for decades.
This is where many retirement plans quietly fail. Not because the investments are bad, but because the planning skipped the hard questions upfront.
The Quiet Problem of Underspending
One of the most interesting threads in our conversation was something I see often with clients but rarely see addressed directly: underspending.
People spend decades being disciplined savers. They’re rewarded for delaying gratification. Then retirement arrives — and suddenly they’re supposed to flip a switch and start spending confidently?
That transition is harder than most people expect.
Eric described it bluntly: “A lot of retirement plans are designed to avoid failure, not to support a great life.”
When plans are built entirely around extremely high “success rates,” the tradeoff is often living smaller than necessary. Retirees follow conservative rules, spend cautiously, and end up with more money at the end of life than they started with — not because they needed it, but because no one ever gave them permission to use it.
That’s how an effort to preserve your money in retirement can turn into a missed opportunity.
Why Rules of Thumb Aren’t Enough
Rules like the 4% withdrawal guideline exist for a reason — they’re simple and memorable. But that simplicity comes at a cost.
Rules of thumb can be useful starting points, they become problematic when people treat them as guarantees rather than guidelines that require context.
Markets change. Taxes change. Spending changes. Life changes.
A retirement plan that assumes constant spending and ignores flexibility is solving a math problem that doesn’t exist in the real world.
What works better is a framework that expects adjustment — not perfection.
Retirement as a Graduation, Not an Ending
The phrase “Don’t retire, graduate” isn’t about working forever. It’s about intention.
Some people want to fully step away from work. Others want to consult, volunteer, or stay mentally engaged. Neither approach is right or wrong — but drifting into retirement without deciding is where dissatisfaction often starts.
What makes a difference for most retirees? Having a purpose to your life in retirement as a new chapter, not a conclusion to the entire book.
When you treat retirement as a graduation into something new, the planning naturally becomes more thoughtful. Spending decisions align with values. Time gets treated as intentionally as money. And confidence replaces guesswork.
The Real Goal of Retirement Planning
At its core, this conversation wasn’t about beating markets or optimizing spreadsheets. It was about aligning math with real life.
A good retirement plan doesn’t just aim to avoid running out of money. It aims to help you live well — without constant second-guessing.
For many, effective retirement planning isn’t about dying with the most money. It’s about using the money you’ve earned to live well, without fear or constant second-guessing.
That’s a goal worth planning for.
If you’re approaching retirement — or already there — this episode will challenge some comfortable assumptions and help you think differently about what your plan is actually designed to do.
Don’t forget to leave a rating for the “Retire Today” podcast if you’ve been enjoying these episodes!
Subscribe to Retire Today to get new episodes every Wednesday.
Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 
Spotify Podcasts: https://bit.ly/RetireTodaySpotify
About the Author:
Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel.
Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times.
Additional Links:
Buy Jeremy’s book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps
Eric Brotman on LinkedIn
“Don’t Retire…Graduate!” podcast
“Don’t Retire…Graduate!” on Amazon
BFG Financial Advisors
BFG University on YouTube
Build Your Retirement Master Plan in 5 Simple Steps
Connect With Jeremy Keil:
Keil Financial Partners
LinkedIn: Jeremy Keil
Facebook: Jeremy Keil
LinkedIn: Keil Financial Partners
YouTube: Mr. Retirement
Book an Intro Call with Jeremy’s Team
Media Disclosures:
Disclosures
This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy.
The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results.
Legal & Tax Disclosure
Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations.
Advisor Disclosures
Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC.
Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A.
The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only.
Additional Important Disclosures
January 27, 202645 min
Why Retirement Spending Plans Fail — and How to Spend More With Confidence with Stefan Sharkansky
Retirement researcher Stefan Sharkansky explains why the 4% rule often leaves retirees underspending — and how a more flexible, math-driven approach can lead to a better retirement experience.
For decades, the 4% rule has been treated as a gold standard for retirement spending. In fact, I made video about it on my YouTube channel. If you ask most retirees how much they can safely spend, the conversation quickly turns to probabilities, simulations, and avoiding failure.
But what if the real risk isn’t running out of money — it’s not using it well?
In this episode of Retire Today, I’m joined by Stefan Sharkansky, whose background in math and computer science led him to question how retirement spending strategies are actually designed — and what they optimize for.
As Stefan put it plainly, “Under the average market scenario, following the safe withdrawal rate of 4% would leave you with more when you passed away than when you started.” In other words, many retirees are leaving too much money on the table in their retirement spending plan.
The Problem With “Safe” Withdrawal Rates
Most retirement spending research focuses on one outcome: not running out of money.
Advisors often present plans as probabilities — a 90% or 95% chance of success — where “success” means the portfolio never hits zero. But this framing runs the risk of missing what retirees actually care about.
After all, if you have a 90% probability of success, what that really means is that 89% of the time, you could have spent more.
That insight flips traditional planning on its head. Instead of asking, “What’s the safest amount I can withdraw?” the better question becomes, “What level of spending lets me live well — while staying adaptable if conditions change?”
Why Retirement Spending Isn’t Constant
One major flaw in the 4% rule is the assumption that spending stays flat year after year. Real life doesn’t work that way.
Spending often starts higher in early retirement with travel and experiences, dips in later years, then rises again due to healthcare needs. Taxes also change as retirees shift between taxable accounts, IRAs, and Roth accounts.
As Stefan noted, “This idea of constant spending never exists in the real world.”
Any retirement spending plan that assumes otherwise is solving the wrong problem.
A Salary-and-Bonus Approach to Retirement
Stefan’s research introduces a different framework — one that mirrors how people actually lived during their working years.
He described a model where retirees create:
A stable, inflation-protected income base using Social Security and a ladder of TIPS (Treasury Inflation-Protected Securities)
A variable ‘bonus’ income driven by long-term stock performance
“You have your salary from Social Security and your TIPS,” Stefan explained, “and then you get a bonus based on how the stock market does.”
In strong markets, spending can increase. In weaker years, spending adjusts — while working to help maintain long-term security. The key is that adjustment is assumed, not treated as failure.
Rethinking Risk Tolerance
Traditional risk tolerance focuses on portfolio volatility — how much account values swing up and down. Stefan argues retirees should think differently.
“Risk tolerance should be about how much variability in income you’re comfortable with,” he said, “not just what percentage of stocks and bonds you hold.”
Some retirees prefer a higher guaranteed income floor with less variability. Others are comfortable with more income fluctuation in exchange for higher long-term spending. The right plan aligns income stability with personal preferences — not arbitrary rules.
Why This Matters
Many retirees say the 4% rule “doesn’t work for them” — not because it’s unsafe, but because it doesn’t generate enough income to support the life they want.
Stefan’s research shows that when you plan for flexibility, rather than perfection, you can often spend more, not less — while still maintaining control.
The goal isn’t to maximize your ending balance. It’s to maximize your retirement experience.
Ultimately, you need to make your retirement spending plan in a way that not only is within your means, but meets your retirement goals. 
Don’t forget to leave a rating for the “Retire Today” podcast if you’ve been enjoying these episodes!
Subscribe to Retire Today to get new episodes every Wednesday.
Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 
Spotify Podcasts: https://bit.ly/RetireTodaySpotify
About the Author:
Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel.
Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times.
Additional Links:
Buy Jeremy’s book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps
Is the 4% Rule Outdated? New Research Reveals the TRUTH – Mr. Retirement YouTube Channel
Stefan Sharkansky on LinkedIn
TheBestThird.com 
Connect With Jeremy Keil:
Keil Financial Partners
LinkedIn: Jeremy Keil
Facebook: Jeremy Keil
LinkedIn: Keil Financial Partners
YouTube: Mr. Retirement
Book an Intro Call with Jeremy’s Team
Media Disclosures:
Disclosures
This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy.
The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results.
Legal & Tax Disclosure
Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations.
Advisor Disclosures
Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC.
Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A.
The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only.
Additional Important Disclosures
January 20, 202630 min
Why Retirement Planning Needs More Than Hope (and a Better Soundtrack) with Jesse Hurst
Author Jesse Hurst explains how retirement planning helps reduce the guesswork of retiring through his book “PopEnomics”.
A lot of people approach financial planning with one big fear: that it’s going to feel restrictive. Budgets. Rules. Spreadsheets. Being told what you can’t do with your money.
But in this episode of Retire Today, I sat down with Impel Wealth Management president and author of “PopEnomics”Jesse Hurst to talk about why that assumption gets things exactly backward — and how the right kind of planning actually creates freedom.
As Jesse put it early in our conversation, “A lot of people think financial planning is very constrictive… and I think it’s exactly the opposite. I think it’s very freeing.”
Why Guessing Is the Default (and the Problem)
Most people don’t lack motivation. They lack clarity.
Jesse explained that many retirees have vague hopes rather than defined goals. “Someday I want to retire and live a comfortable life,” sounds nice — but it’s not a plan. Without specifics, people end up guessing on some of the most important decisions of their financial lives.
How much should I save?Should I prioritize paying off the mortgage?Is Roth or pre-tax better for me?Am I saving enough — or too much?
Without a defined target, people default to hearsay. “My coworker did this.” “I read an article that said 8% is enough.” That’s not planning — it’s outsourcing your decisions to someone else’s guess.
Why Stories Stick When Numbers Don’t
Jesse has a way with analogies. By tying retirement planning ideas to pop culture — music, movies, and familiar stories — he finds people actually remember them.
During the COVID period, Jesse began using pop-culture analogies more intentionally. One comparison between Federal Reserve policy and the movie Animal House took off online — and made him realize he’d found a powerful teaching tool.
That insight ultimately led to his book PopEnomics, where retirement planning meets rock anthems, movie classics, and everyday analogies.
Access to Information Isn’t the Same as Wisdom
One of the most important observations Jesse shared came from reflecting on his decades in the profession.
Early in his career, the challenge was simply educating people about what options existed. Today, the challenge is the opposite. “There’s a big difference between access to information and the wisdom to apply it,” Jesse said.
Retirees today are overwhelmed with data — articles, headlines, opinions — but often still unsure what applies to them. That’s where planning shifts from information to interpretation.
The Retirement Puzzle
Jesse described retirement planning as a puzzle — one where each piece matters.
You can’t decide how to invest if you don’t know when you’ll retire.You can’t know how much risk to take if you don’t know when you’ll need the money.You can’t spend confidently if you don’t know whether your income supports it.
One story he shared involved a couple who lost track of where they stood financially after COVID, inflation, and market volatility. Using an airport analogy, Jesse explained, “If you don’t know where you are, you can’t figure out how to get to your gate.”
Clarity begins with knowing your starting point.
The Saver’s Mindset — and the Permission Problem
Many people who retire successfully built wealth through discipline — spending less than they earned, avoiding debt, and saving consistently. But those same habits can make it emotionally difficult to switch from accumulation to spending.
As Jesse explained, “They have a hard time giving themselves permission to spend.”
He shared a powerful story of longtime clients who had ample income and assets — but struggled to enjoy them. The breakthrough came when they realized that if they didn’t use their money intentionally, someone else eventually would.
That shift — from fear to permission — is often one of the most important transitions in retirement.
The Bottom Line
Financial planning isn’t about restriction. It’s about clarity.
When you know what you’re saving for, what you’ve already done, and what your money can support, decisions become easier. Spending becomes intentional. And retirement becomes something you can enjoy — not just hope works out.
Don’t forget to leave a rating for the “Retire Today” podcast if you’ve been enjoying these episodes!
Subscribe to Retire Today to get new episodes every Wednesday.
Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 
Spotify Podcasts: https://bit.ly/RetireTodaySpotify
About the Author:
Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel.
Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times.
Additional Links:
Buy Jeremy’s book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps
Create Your Retirement Master Plan in 5 Simple Steps
Jesse Hurst on LinkedIn
Impel Wealth Management
PopEnomics.com 
PopEnomics: 12 Relatable (and Not Boring) Pop Culture Insights for Retirement Success
Jesse Hurst on YouTube
Jesse Hurst on Instagram
Jesse Hurst on X
Connect With Jeremy Keil:
Keil Financial Partners
LinkedIn: Jeremy Keil
Facebook: Jeremy Keil
LinkedIn: Keil Financial Partners
YouTube: Mr. Retirement
Book an Intro Call with Jeremy’s Team
Media Disclosures:
Disclosures
This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy.
The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results.
Legal & Tax Disclosure
Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations.
Advisor Disclosures
Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC.
Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A.
The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only.
Additional Important Disclosures
January 13, 202629 min
Designing a Meaningful, Joyful, Purpose-Driven Retirement with Monique Rhodes
Happiness expert Monique Rhodes explains why retirement often feels disorienting at first — and how creating a personal retirement roadmap can turn this transition into one of the most fulfilling stages of life.
Retirement is often marketed as the ultimate reward. After decades of work, deadlines, and responsibility, you finally arrive at a chapter filled with freedom, rest, and happiness.
But for many people, that moment doesn’t feel the way they expected.
In this episode of Retire Today, I sat down with Monique Rhodes, a happiness expert who works with people around the world — especially those approaching or entering retirement — to talk about why this transition can feel unsettling and how to approach it with intention.
Why Retirement Can Feel So Uncomfortable
For years, work provides structure, identity, and a built-in sense of purpose. 
Then one day, it’s gone.
Monique explained that retirement often removes all of that at once. “The structure, the identity, the daily sense of purpose — they all fall away at the same time,” she said. What’s left can feel like freedom… or confusion.
In fact, research shows that many people experience lower happiness in the first year of retirement than when they were working. Feelings of restlessness, anxiety, loneliness, and even grief are common — but rarely talked about.
This doesn’t mean retirement was a mistake. It means the transition requires more than financial preparation alone.
Comfort vs. Happiness
One of the most thought-provoking ideas Monique shared is that too much comfort can actually work against happiness.
She described how modern life is designed to remove friction — from climate-controlled homes to effortless entertainment. But living without any “edge” can dull creativity, resilience, and engagement.
“If we’re consistently living in comfort, we lose our ability to adapt,” she explained. Happiness, she argues, comes from a balance — not too tense, not too relaxed.
Monique used powerful metaphors throughout the conversation, from surfing ocean waves to tuning a guitar string. Too loose or too tight, and it doesn’t work. The same is true for life in retirement.
Retirement Is Not a Holiday — It’s a Redesign
Many people enter retirement expecting it to feel like a permanent vacation. Monique sees this expectation create unnecessary disappointment.
“Retirement is sold to us as a never-ending holiday,” she said. “But when that structure disappears overnight, people are suddenly faced with the question of who they are.”
This is where her Retirement Roadmap comes in — a framework designed to help people intentionally rebuild purpose, routines, relationships, and meaning.
Rather than drifting through unstructured time, retirees are encouraged to create days that feel energizing and aligned with who they are now — not who their job required them to be.
Rebuilding Purpose From the Inside Out
One of the most powerful moments in the conversation was when Monique talked about building a new relationship with yourself.
After years of serving careers, businesses, and families, many retirees struggle to answer a simple question: What do I enjoy?
Monique often starts by asking clients to think back to childhood interests — art, music, movement, creativity — and explore those again without pressure. “Your purpose isn’t gone,” she said. “It’s just no longer handed to you by a job description.”
She emphasized that this phase of life offers something rare: the freedom to choose intentionally — where you live, how you spend your time, who you invest energy in, and what brings joy.
Three Questions Worth Asking
Toward the end of our conversation, Monique shared three questions she believes are foundational for a fulfilling retirement:
Where do I want to be that makes me happiest?
What do I want to do that makes me happiest?
Who do I want to be with that makes me happiest?
These questions don’t have one-time answers. They evolve — and that’s part of the beauty of this stage of life.
The Bottom Line
Retirement isn’t just a financial transition. It’s a psychological and emotional one as well.
When approached consciously, it can become one of the most liberating and meaningful chapters of life — not because everything is perfect, but because you’re living with intention.
Don’t forget to leave a rating for the “Retire Today” podcast if you’ve been enjoying these episodes!
Subscribe to Retire Today to get new episodes every Wednesday.
Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 
Spotify Podcasts: https://bit.ly/RetireTodaySpotify
About the Author:
Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel
Additional Links:
Buy Jeremy’s book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps
Create Your Retirement Master Plan in 5 Simple Steps
Monique Rhodes website
In Your Right Mind Podcast with Monique Rhodes
Monique Rhodes on LinkedIn
Connect With Jeremy Keil:
Keil Financial Partners
LinkedIn: Jeremy Keil
Facebook: Jeremy Keil
LinkedIn: Keil Financial Partners
YouTube: Mr. Retirement
Book an Intro Call with Jeremy’s Team
Media Disclosures:
Disclosures
This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy.
The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results.
Legal & Tax Disclosure
Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations.
Advisor Disclosures
Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC.
Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A.
The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only.
Additional Important Disclosures
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