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#41 – We understand that early widowhood is a time of grief and sorrow. That’s why we want to do our best to help widows get through this time by relieving their financial burden.

In this episode, Jeremy Keil joins Bill Harris, RMA®, CFP®, an advisor with WH Cornerstone Investments. Together, they help widows navigate through the emotionally overwhelming path of widowhood so that they can make more informed decisions about their finances, especially in areas that have long-term consequences and cannot be easily reversed.

You will learn:

• 4 ways to manage money inherited from your spouse
• How to avoid the ‘widow’s penalty’
• Why you should consult advisors who are specialists rather than generalists
• How couples can plan for the surviving spouse well ahead of time
• And more!

Tune in now to learn how you can make better money decisions during the challenging time of widowhood.

Resources:

• Keil Financial Partners
• Bill Harris on LinkedIn
• WH Cornerstone Investments
• Inheriting Your Spouse’s IRA by Bill Harris on Amazon
• Ed Slott’s Elite IRA Advisor Group
• Ed Slott and Company’s 2-Day Virtual IRA Workshop
• Investments & Wealth Institute
• The RMA® Certification
• 3 Keys You Should Know Before Choosing a Financial Advisor 
• 6 Questions Retirees Aren’t Asking But Should Be 
• Webinar Speaker Series
• Subscribe

 The information covered and posted represents the views and opinions of the guest and does not necessarily represent the views or opinions of Keil Financial Partners. Keil Financial Partners is a part of the Thrivent Advisor Network, a registered investment advisor. The Content has been made available for informational and educational purposes only. The Content is not intended to be a substitute for professional investing advice. Always seek the advice of your financial advisor or other qualified financial service provider with any questions you may have regarding your investment planning. 

Keil Financial Partners does not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

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#40 – Retirement is not an end goal, but a next chapter in life. 

Retirement isn’t just about how much money you have when you retire. It’s about how you’ll spend that money to live a rich retirement life.

In this episode, Jeremy Keil joins Susan Latremoille, co-founder and partner at Next Chapter Lifestyle Advisors to discuss how retirees can live a rich retirement life. They address common non-financial problems that people face in retirement and share creative solutions that can help you solve them.

In this episode, you will learn:

• The mantra for building a rich life mindset in retirement
• How a structure for your daily activities can keep you from feeling lost and dejected
• 3 secrets to leading a happy retirement
• Tips for navigating the complex retirement landscape
• And more!

Tune in now to learn how you can make retirement the happiest part of your life!

Resources:

• Keil Financial Partners
• Susan Latremoille on LinkedIn
• Next Chapter Lifestyle Advisors
• Living in Retirement May, 2021 Webinar Series (Sign up for free)
• The RichLife: Managing Wealth and Purpose by Susan Latremoille
• It’s Not Just About the Money by Susan Latremoille
• The Benefits of Having a Schedule in Retirement – The Wall Street Journal
• Marianne Oehser on LinkedIn
• Retire & Be Happy – With Marianne Oehser | Podcast
• Thrivent
• On My Mind: Combining Financial Expertise with Purpose-Based Advice by Thrivent
• 3 Keys You Should Know Before Choosing a Financial Advisor
• 6 Questions Retirees Aren’t Asking But Should Be
• Subscribe

The information covered and posted represents the views and opinions of the guest and does not necessarily represent the views or opinions of Keil Financial Partners. Keil Financial Partners is a part of the Thrivent Advisor Network, a registered investment advisor. The Content has been made available for informational and educational purposes only. The Content is not intended to be a substitute for professional investing advice. Always seek the advice of your financial advisor or other qualified financial service provider with any questions you may have regarding your investment planning. 

Keil Financial Partners does not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

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#39 – Some people have been waiting for interest rates to get better since 2008. Instead, we recommend doing something different: Get creative when looking for better interest rates.

In part two of our interest rates mini-series, Jeremy Keil joins Scott White, a fixed annuity specialist with CPS Insurance Services. They discuss unique ways of earning higher interest on your excess cash in the current low interest rate environment. To make things easier for you, they also lay out a simple 4-step decision process to guide you in your search for better interest rates.

You will learn:

• Why interest rates are so low
• Six tips for significantly boosting your effective interest rate
• Key questions you should ask before getting a fixed annuity
• Updates on the current interest rates market
• And more!

Listen now and learn how you can get more interest on your bank money!

Resources:

• Keil Financial Partners
• Scott White on LinkedIn
• CPS Insurance Services
• Bankrate.com
• MaxMyInterest
• AM Best
• 3 Keys You Should Know Before Choosing a Financial Advisor 
• 6 Questions Retirees Aren’t Asking But Should Be 
• Cost of Waiting
• Subscribe

The information covered and posted represents the views and opinions of the guest and does not necessarily represent the views or opinions of Keil Financial Partners. Keil Financial Partners is a part of the Thrivent Advisor Network, a registered investment advisor. The Content has been made available for informational and educational purposes only. The Content is not intended to be a substitute for professional investing advice. Always seek the advice of your financial advisor or other qualified financial service provider with any questions you may have regarding your investment planning. 

Keil Financial Partners does not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

What if interest rates rise – updated

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#38 – If you have a huge amount of excess cash sitting in your bank account but don’t have enough time for interest rate planning – outsource it.

Otherwise, it’ll keep losing value due to inflation!

In part one of our two-part series on interest rates, Jeremy Keil talks with John Major, vice president of The American Deposit Management Company (ADM). John provides a helpful introduction to the world of deposit management and shares tips to help you boost your current interest rates without having to compromise liquidity.

You will learn:

• Potential opportunities in our current interest rate environment 
• The extent to which your bank money is protected under the FDIC insurance
• How ADM leverages its massive network of banks to get the best interest rates
• Negotiation strategies to help you receive better interest rates at any bank
• And more!

Learn how to effectively manage your excess cash and maximize your interest rate returns by tuning in today!

Resources:

• Keil Financial Partners
• John Major on LinkedIn
• The American Deposit Management Company
• MaxMyInterest
• John Major in CrossFit
• Bankrate
• 3 Keys You Should Know Before Choosing a Financial Advisor 
• 6 Questions Retirees Aren’t Asking But Should Be 
• Subscribe

 The information covered and posted represents the views and opinions of the guest and does not necessarily represent the views or opinions of Keil Financial Partners. Keil Financial Partners is a part of the Thrivent Advisor Network, a registered investment advisor. The Content has been made available for informational and educational purposes only. The Content is not intended to be a substitute for professional investing advice. Always seek the advice of your financial advisor or other qualified financial service provider with any questions you may have regarding your investment planning. 

Keil Financial Partners does not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

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#37 – The ultimate goal of retirement is not earning maximum returns on investments, but leading a happy life!

To do that, you need to focus on two key areas, your investment portfolio and your “happiness portfolio.”

In this episode, join Jeremy Keil and Marianne Oehser, founder of Retire & Be Happy and partner at Next Chapter Lifestyle Advisors. They explore the non-financial side of retirement and discuss ways you can make this next chapter of life much more fulfilling and happy.

In this episode, you will learn:

• How to diversify your activities and allocate your time to optimize your “happiness portfolio”
• 5 key concepts for designing your ideal retirement
• Why bucket lists don’t qualify as sustainable long-term goals
• A sneak peek into an upcoming webinar on 3 secrets to a successful retirement
• And more!

Tune in now to learn how you can retire & be happy by following your passion and living your retirement dreams!

Resources:

• Keil Financial Partners
• Marianne Oehser on LinkedIn
• Next Chapter Lifestyle Advisors
• Retire & Be Happy
• Retire & Be Happy Workshop
• Your Happiness Portfolio for Retirement: It’s Not About the Money!
• Susan Latremoille on LinkedIn
• The RichLife: Managing Wealth and Purpose
• 3 Keys You Should Know Before Choosing a Financial Advisor 
• 6 Questions Retirees Aren’t Asking But Should Be 
• Subscribe

 The information covered and posted represents the views and opinions of the guest and does not necessarily represent the views or opinions of Keil Financial Partners. Keil Financial Partners is a part of the Thrivent Advisor Network, a registered investment advisor. The Content has been made available for informational and educational purposes only. The Content is not intended to be a substitute for professional investing advice. Always seek the advice of your financial advisor or other qualified financial service provider with any questions you may have regarding your investment planning. 

Keil Financial Partners does not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

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#36 – As many people say, prevention is better than cure.

This saying holds true for retirement planning. 

When you plan in advance, you can avoid making common mistakes that can negatively impact your retirement.

In this episode, Jeremy Keil is back with new cautionary tales that highlight the three biggest retirement planning mistakes. To help you avoid making the same missteps, Jeremy shares various prevention strategies that can also provide huge benefits for your finances and retirement. 

In this episode, you’ll learn:

• How you and your spouse can benefit from taking Social Security at different times
• The importance of separating your retirement decisions
• Why you should follow the math instead of blindly following the crowd
• How taxes can significantly influence your retirement 
• Tips for effective tax-planning
• And more!

Tune in now to learn the three biggest retirement planning mistakes and how to avoid them!

Resources:

• Keil Financial Partners
• Podcast #25 — Tales From the Dark Side of Planning: Part 1
• 3 Keys You Should Know Before Choosing a Financial Advisor 
• 6 Questions Retirees Aren’t Asking But Should Be 
• Subscribe

 The information covered and posted represents the views and opinions of the guest and does not necessarily represent the views or opinions of Keil Financial Partners. Keil Financial Partners is a part of the Thrivent Advisor Network, a registered investment advisor. The Content has been made available for informational and educational purposes only. The Content is not intended to be a substitute for professional investing advice. Always seek the advice of your financial advisor or other qualified financial service provider with any questions you may have regarding your investment planning. 

Keil Financial Partners does not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

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#35 – Should you take your Social Security early or late? Should you opt for a monthly pension payment or a lump sum? Should you invest for growth or for income?

If you are struggling with even one of these questions, this episode is for you!

In this episode, Jeremy Keil explores the ideas of Nobel laureate Dr. Robert Merton on the ideal retirement solution. In addition to discussing Dr. Merton’s key principles for achieving a good retirement, Jeremy shares his own expert insight on the most significant things to consider to make better decisions with your money.

In this episode, you’ll learn:

• Why retirement planning can vary for every individual based on their unique situation
• How to achieve your desired standard of living through a replacement income
• The two most effective tools of retirement – annuities and reverse mortgages
• Ways to evaluate the costs and benefits associated with every major retirement decision
• And more!

Tune in now to learn how you can design a comprehensive plan to achieve your ideal retirement!

Resources:

• Keil Financial Partners
• Dr. Robert C. Merton
• Interview with Dr. Robert Merton, Retirement Management Journal by Investments & Wealth Institute
• Podcast #29 – Reverse Mortgages – With Steve Kalscheur
• Blog: 5 Ways a Reverse Mortgage can Improve your Retirement
• 3 Keys You Should Know Before Choosing a Financial Advisor 
• 6 Questions Retirees Aren’t Asking But Should Be 
• Subscribe

The information covered and posted represents the views and opinions of the guest and does not necessarily represent the views or opinions of Keil Financial Partners. Keil Financial Partners is a part of the Thrivent Advisor Network, a registered investment advisor. The Content has been made available for informational and educational purposes only. The Content is not intended to be a substitute for professional investing advice. Always seek the advice of your financial advisor or other qualified financial service provider with any questions you may have regarding your investment planning. 

Keil Financial Partners does not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

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#34 – Did you know that 59% of millennial women still defer their long-term financial decisions to their male partners?

This is a statistic we want to change.

In this episode, join Jeremy Keil and Kathleen Burns Kingsbury, a wealth psychology expert, author, and the founder of KBK Wealth Connection. They discuss ways women can become empowered to communicate more effectively about money and finance so they can take control of their financial picture.

In this episode, you’ll learn:

• What the phrase “breaking money silence” truly means and why it’s so significant
• Steps women can take to embrace their financial power
• Ways to encourage your partner to get more involved in your financial decisions
• How to find an advisor that is willing to work on the couple relationship and empower the non-financial spouse
• And more!

Tune in now to learn how you can bust through the money-talk taboo and become a Breaking Money Silence® revolutionary!

Resources:

• Kathleen Burns Kingsbury 
• KBK Wealth Connection 
• Breaking Money Silence 
• Breaking Money Silence On Negotiating Course 
• Barron’s Article: How Women Can Take Control of Their Financial Lives
• Keil Financial Partners
• 3 Keys You Should Know Before Choosing a Financial Advisor 
• 6 Questions Retirees Aren’t Asking But Should Be 
• Subscribe

The information covered and posted represents the views and opinions of the guest and does not necessarily represent the views or opinions of Keil Financial Partners. Keil Financial Partners is a part of the Thrivent Advisor Network, a registered investment advisor. The Content has been made available for informational and educational purposes only. The Content is not intended to be a substitute for professional investing advice. Always seek the advice of your financial advisor or other qualified financial service provider with any questions you may have regarding your investment planning. 

Keil Financial Partners does not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.