Jeremy Keil - Keil Financial Partners

10/24/2026

Medicare enrollment isn't the same for everyone turning 65. Qualifying employer coverage matters. Roth conversions and other income decisions can affect future Medicare premiums.

Reviewing your coverage every year is important—even when your health needs haven't changed.

Watch the full episode: https://youtu.be/e8TErpVjcTM

For disclosures and conflicts visit keilfp.com/disclosures.

10/23/2026

10,000 LinkedIn followers today!

Thank you for caring to hear my thoughts on how to make great retirement decisions.

Now if only it was a YouTube plaque my kids might think I’m cool. 😎

10/23/2026

Did you know that retiring can sometimes give you a reason to ask Medicare to lower your premiums?

I worked with a couple whose Medicare premiums were roughly $5,000 higher because Medicare was looking at income from two years earlier.

They had since retired, and their income had changed.

After reviewing their situation, we helped them pursue Medicare's life-changing event process. Their request was approved, reducing those additional Medicare costs.

That won't work for every situation. A Roth conversion or investment sale, for example, generally isn't a qualifying life-changing event by itself.

But it's a good reminder that Medicare and retirement planning go together.

I cover this and four other common Medicare mistakes in the latest Retire Today podcast.

And if you have Medicare Advantage or Part D coverage, remember that annual Open Enrollment runs October 15 through December 7.

Even if nothing has changed for you, your plan may have changed.

Watch now: https://youtu.be/e8TErpVjcTM

Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337
Spotify Podcasts: https://bit.ly/RetireTodaySpotify
Retire Today Blog: RetireTodayPodcast.com

For disclosures and conflicts visit keilfp.com/disclosures.

10/22/2026

Turning 65 means navigating Medicare Advantage, Medigap, prescription drug plans, and Medicare Parts A, B, and C. With so many choices, it's easy to feel overwhelmed. Medicare decisions can be confusing, especially when you're used to having health insurance through your employer.

Watch the full episode: https://youtu.be/e8TErpVjcTM


For disclosures and conflicts visit keilfp.com/disclosures.

10/21/2026

Turning 65 doesn't automatically mean everyone should make the same Medicare decisions.

Some people are enrolled automatically.

Others need to sign up.

And if you're still working, whether you can delay Medicare may depend on the type of employer coverage you have.

That's one of five Medicare mistakes I recently covered in an article for Kiplinger and on the Retire Today podcast.

The five areas I encourage people to review are:
- Assuming Medicare enrollment is automatic
- Thinking all employer health coverage qualifies the same way
- Confusing Medicare Advantage, Medigap, and Parts A, B, and D
- Overlooking how income affects Medicare premiums
- Failing to review Medicare coverage every year

Medicare isn't just a healthcare decision. It can also affect retirement spending, taxes, and the timing of other financial decisions.

If you're approaching 65, it's worth understanding which rules apply to your situation before making an enrollment decision.

👉 Watch the full video here: https://youtu.be/e8TErpVjcTM

Read the Kiplinger article: https://www.kiplinger.com/retirement/medicare/medicare-mistakes-to-avoid
Subscribe to listen to every Tuesday on Apple Podcasts and Spotify.
www.youtube.com/
RetireTodayPodcast.com


For disclosures and conflicts visit keilfp.com/disclosures.

10/20/2026

10/18/2026

What makes a successful retirement? For Sandra, it's about feeling financially prepared, spending time with family, and having the freedom to enjoy everyday life. Retirement success isn't just about how much money you've saved, but what that money allows you to do.

Watch the full episode of "Retire Today": https://youtu.be/3d-UkxVg2EM

For disclosures and conflicts visit keilfp.com/disclosures.

10/17/2026

You've spent decades saving for retirement.

But once you retire, will you feel comfortable spending some of that money?

One person told me he'd started loosening up on withdrawals from his retirement accounts.

He was also thinking carefully about Medicare costs and how additional withdrawals might affect his premiums.

That's a real retirement planning challenge. You want to be thoughtful about taxes and expenses, but you also saved that money for a reason.

The goal isn't necessarily to spend as little as possible or to finish retirement with the biggest account balance.

It's to understand what you can reasonably afford, account for the costs, and make decisions that support the life you want.

I share Bob's response and three other retirees' perspectives in the latest Retire Today podcast.

How do you define a successful retirement?

Watch now: https://youtu.be/3d-UkxVg2EM



Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337
Spotify Podcasts: https://bit.ly/RetireTodaySpotify
Retire Today Blog: RetireTodayPodcast.com

For disclosures and conflicts visit keilfp.com/disclosures.

10/16/2026

Is $1 million enough to retire? What about $2 million—or even $10 million? One client's retirement savings goal kept moving, and this experience isn't unique. Why is reaching a particular dollar not necessarily the best measure of retirement readiness? Learn more in this week's episode of "Retire Today": https://youtu.be/3d-UkxVg2EM

For disclosures and conflicts visit keilfp.com/disclosures.

10/16/2026

You might have $1 million saved for retirement. Or $2 million. Or $10 million.

But what is that money supposed to accomplish?

I recently asked Retire Today listeners to describe a successful retirement.

One listener had a specific savings target. Another was learning to feel more comfortable spending his savings. A third had spent decades planning for retirement income, healthcare, and being debt-free.

And one described success as having financial confidence, spending time with family, going to church, participating in a book club, and exercising.

Those answers reminded me why retirement planning needs to begin with what you want your money to do.

Your account balance is important. But it doesn't tell the whole story.

If you have a retirement savings goal, try writing three things next to that number that you want your money to make possible.

What would make retirement feel successful to you?

👉 Watch the full video here: https://youtu.be/3d-UkxVg2EM

Subscribe to listen to every Tuesday on Apple Podcasts and Spotify.
www.youtube.com/
RetireTodayPodcast.com


For disclosures and conflicts visit keilfp.com/disclosures.