Retire Today

Hosted by Jeremy Keil

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Episodes

300

Latest episode

Oct 2026

Language

EN-US

About the show

In the Retire Today podcast, Jeremy Keil, CFP®, CFA® shows you how to turn your retirement savings into retirement income. Listen in as Jeremy and his guests guide you towards making smarter retirement, investment, and tax planning decisions. Get free resources and learn how to have Jeremy and his team develop your own Retire Today income plan at 5stepRetirementPlan.com. For important disclosures, see www.keilfp.com/disclosures Keil Financial Partners may utilize third-party websites, including social media websites, blogs, and other interactive content. We consider all interactions with clients, prospective clients, and the general public on these sites to be advertisements under the securities regulations. As such, we generally retain copies of information that we or third parties may contribute to such sites. This information is subject to review and inspection by

Listen to episodes

60 recent

November 3, 202642 min

Retiring with an Unhurried Abundance with Bruce Fear

What if you finally retire, have enough money, and still feel too busy to enjoy your life? Jeremy Keil welcomes returning guest Bruce Fear, author of Unhurried Abundance, to explore why retirement doesn't automatically create a slower, more fulfilling life. After experiencing a stroke in 2024, Bruce reconsidered how he spent his time and why creating margin in everyday life matters. For disclosures and conflicts visit keilfp.com/disclosures.

October 27, 202632 min

The Retirement Tax Mistake That Could Cost You More Over Your Lifetime with Freeman Linde

Most people think tax planning means finding ways to pay less in taxes this year. But reducing today's tax bill doesn't necessarily mean you'll be better off in retirement. Jeremy Keil talks with Freeman Linde, author of Tax Savings Strategies, about how couples over 50 can think more strategically about taxes before and during retirement. Explore the difference between tax preparation and tax planning, why deferring taxes isn't always the best choice, and how Roth conversions can be evaluated using projected future tax rates. For disclosures and conflicts visit keilfp.com/disclosures.

October 21, 202623 min

5 Medicare Mistakes to Avoid When You Turn 65

Turning 65 doesn't mean Medicare works the same way for everyone. Some people are enrolled automatically, others need to sign up, and those who are still working may have additional decisions to make. Jeremy Keil walks through five common Medicare mistakes that can create confusion, unexpected costs, or coverage problems. He explains why employer coverage isn't always enough to delay Medicare, how Parts A, B, C, and D fit together, and why Medicare Advantage and Medigap require different considerations. For disclosures and conflicts visit keilfp.com/disclosures.

October 15, 202617 min

What Does a Successful Retirement Actually Look Like?

What does a successful retirement actually look like? Is it having $1 million, $2 million, or even $10 million saved? Is it having enough retirement income to cover your expenses, minimizing taxes, or simply having the freedom to spend your time however you choose? Jeremy Keil shares responses from four retired listeners who define retirement success in very different ways. Their stories touch on setting savings goals, spending money you've worked decades to accumulate, managing Medicare IRMAA costs, building dependable retirement income, and enjoying time with family and community. For disclosures and conflicts visit keilfp.com/disclosures.

October 6, 202632 min

Building a Retirement You Can Love When You’re Single | True Retirement Story with Arlene C. Nelson

Retirement planning often begins with a financial question: Will I have enough money? But once the paycheck stops and the financial pieces are in place, another question can become just as important: What am I going to do with the rest of my life? Jeremy Keil talks with Arlene Nelson about her own transition into retirement as a single woman. Arlene expected retirement to bring freedom, but after the initial excitement wore off, she found herself struggling with a lack of structure, connection, and direction. For disclosures and conflicts visit keilfp.com/disclosures.

September 29, 202631 min

Do Annuities Belong in Your Retirement Plan? With Jeremiah Konger

Annuities tend to generate strong opinions. Some people insist they're terrible. Others talk about them as though every retiree should own one. Jeremy Keil and Jeremiah Konger of Annuity Association argue that both approaches miss the more useful question: When does an annuity actually make sense within a retirement plan? Jeremiah and Jeremy discuss common misconceptions about annuities, including fees, access to money, market exposure, guarantees, and the financial strength of the insurance company issuing the contract. Plus, Jeremiah highlights the 4 major types of annuities and what typical use cases they apply in. For disclosures and conflicts visit keilfp.com/disclosures.

September 23, 202633 min

Recognize and Combat Scams in Retirement with Robert Siciliano

Scammers don’t only hack into a computer to steal from their victims. Increasingly, they're trying to hack the person using it. Jeremy Keil talks with cybersecurity and fraud-prevention expert Robert Siciliano about how modern scams use text messages, artificial intelligence, deepfakes, voice cloning, manufactured urgency, and human psychology to gain trust. Learn practical ways to reduce your vulnerability. Robert’s three-step Analyze, Authenticate, Act protocol provides a simple response to suspicious communications, while unique passwords, password managers, two-factor authentication, and updated devices can create additional barriers for criminals. The goal isn't to assume you're too smart to be scammed. It's to build habits that make it harder for a scammer to get through. For disclosures and conflicts visit keilfp.com/disclosures.

September 15, 202612 min

Do You Really Need a Financial Advisor in Retirement?

Do you really need a financial advisor in retirement? Jeremy Keil argues that the answer depends on a better question: What do you actually want a financial advisor to do for you? After reading responses from Kiplinger readers about whether they use financial advisors, Jeremy noticed that most people immediately focused on investment management—choosing investments, managing portfolios, or trying to improve returns. Real retirement planning extends well beyond investments. For retirees deciding whether professional advice is worthwhile, start by identifying the problems you need help solving. Once you know what you need from an advisor, you can make a much better decision about whether—and what kind of—financial planner is right for you. For disclosures and conflicts visit keilfp.com/disclosures.

September 8, 202626 min

5 Things Every Retirement Plan Needs Before You Quit Working with Joe Schmitz Jr.

A retirement plan is more than an investment portfolio and a decision about when to claim Social Security. Jeremy Keil is joined by financial advisor Joe Schmitz Jr. to compare the planning processes they use to help clients coordinate the many financial decisions that come together at retirement. Joe explains his five-pillar approach covering tax planning, investments, income, healthcare, and estate planning, while Jeremy compares it with his own five-step Retirement Master Plan. Despite approaching the process from different angles, both emphasize an important point: your investments should serve your retirement plan—not become the plan itself. For disclosures and conflicts visit keilfp.com/disclosures.

September 1, 202617 min

Investing Myths Retirees Still Believe

Some of the most tempting retirement investing mistakes begin with ideas that sound perfectly reasonable: move to cash when the market looks expensive, put everything in CDs while rates are attractive, leave stocks behind once you retire, or rely on dividend stocks for income. The problem is that each approach can allow one concern or prediction to dictate an entire investment strategy. Jeremy Keil answers five listener questions about investing in retirement. The surprising truth about retirement investing is that many questions are answered more clearly by re-focusing on when you'll need the money and what you need it to accomplish, rather than predictions about what markets, interest rates, or individual investments will do next. For disclosures and conflicts visit keilfp.com/disclosures.