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Meet Your Host – Jeremy Keil | Podcast Thumbnail

Meet Your Host – Jeremy Keil | Podcast

Jeremy Keil and his team know that you only get one shot at retirement. That’s why they want to help you overcome your retirement worries so you can focus on living out your retirement to the fullest.

In this inaugural episode of The Retirement Revealed Podcast, get to know more about Jeremy and his outlook on planning, who he is professionally and personally, and get a sneak peek of what’s to come in future episodes.

In this episode, you’ll learn:

  • How Jeremy combined some of his passions to find fulfilling work in the financial industry
  • What the Keil Financial Partners team does for clients
  • How Jeremy defines success
  • Jeremy’s proudest achievement
  • And more!

Listen in now and get to know more about your host, Jeremy Keil, and what he has in store with The Retirement Revealed Podcast!

Resources:  Keil Financial Partners | 6 Questions Retirees Aren’t Asking But Should Be Whitepaper | 3 Keys You Should Know Before Choosing A Financial Advisor Whitepaper | 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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Full Transcript

Retirement Revealed Episode 1: Get To Know Jeremy Keil

Are you ready to uncover your retirement solution? Learn more as Jeremy Keil and his guests guide you along the path of retirement and reveal the five steps you need to take to solve your retirement puzzle. Now onto the show!

Aric Johnson: Hello and welcome to Retirement Revealed with Jeremy Keil. Today this is a great podcast. This is Jeremy's inaugural podcast, his very first one. This podcast is going to be broken up into two sections with about eight to ten questions in each section. The first one is really about his practice, his business, and a little bit about his history of why he chose this profession. We want to give you a snapshot of who he is. Then we’ll move into Part 2 with personal questions so you get to know him on a more personal basis so that when you go to his office and sit down you know exactly who you're talking to. Good afternoon Jeremy. How are you? 

Jeremy Keil: Doing well. Thanks. It's interesting to be on the other side of the mic. I've been listening to podcasts for quite a few years.

Aric Johnson: Nice. Now you're a podcaster. This is good stuff. What are your favorite podcasts that you listen to?

Jeremy Keil: Well I’ve got to go with Top Advisor Marketing. That's how I got introduced to the podcasting world. You’ve got Between Now and Success with Steve Sanduski. You’ve got Financial Advisor Success with Michael Kitces. Those are my main ones on the business side. I've been trying to branch out outside of business and listen to one called The Bible Project. That's been a fun one to dive into.

Aric Johnson: Really? Nice. It's nice to be able to explore. The nice thing is podcasts are free pretty much. I don't know too many that are paid, but you get to explore all sorts of different subjects and learn so much stuff. I'm glad that the Top Advisor Marketing podcast brought you here to this point where you're doing your own podcast now, Retirement Revealed. I love the title, and we're going to get more into the title later on especially in other podcasts, but today we're going to start with these questions. Are you ready? 

Jeremy Keil: Absolutely. Make it happen. 

Aric Johnson: Here we go. So how did you make the decision to get into this industry specifically. If you want to tell us a little bit about your history that would be great. 

Jeremy Keil: Yeah. I was in college. I had an ROTC scholarship, so I was planning to go into the Army, planning to be an engineer or go in the Signal Corps. I was really into math and science. I was a physics major. But then I hurt my back and was not allowed to go into the Army. So you get your four year plan and all of a sudden you've got to make a quick quick change there. My aunt worked for a company called Thrivent Financial, and she said you know you sell suits at JoS. A. Bank, and you're really good at math so I think you'll like this industry. She was right from day one. I have a calculator right next to me so that kind of tells you a little bit about who I am and how I was able to combine a couple passions there. 

Aric Johnson: Right on. So we have your aunt to thank?

Jeremy Keil: You got it Auntie Barb!

Aric Johnson: That's good. Thank her for us because this is fantastic. Thrivent is a great company, and I'm so happy to be working with you in this and bringing your voice to your area and your clients and prospects and everybody. Speaking of which, who do you work with and what is your specialty?

Jeremy Keil: We help people prepare for retirement and stay retired. That's all we do. I’ve been working for about 17 years in finance. The idea of helping people make these big decisions that they've never faced before, that they get one shot at it a lot of times, and that are often irreversible, that just really appealed to me and I just love putting that puzzle together. I love looking at clients’ goals, their accounts, and figuring out how we can put that puzzle together to solve that for them. We took a look actually and everyone that’s walked through our door in the last five years has been between the ages of 50 and 66, so we're pretty specific on who we work with and what we love doing. 

Aric Johnson: Well you know what, it's funny you kind of answered both of the next couple of questions but I'll touch on them a little bit. One of them was what do you do for your clients which you kind of explained a little bit, but if you wanted to expand on it a little that would be great. Second, who is your ideal client? You gave us that age range, but is there anything else you want to add to those two questions? What do you do for your clients and then who is your ideal client?

Jeremy Keil: Yeah. What we do for our clients is we take a look at all of their goals. A lot of people want to retire at a certain age. They want to retire at a certain income. We help them understand if that's possible. If it's not possible we help walk them through what the different scenarios might look like. If there's one thing we do it is help people make good retirement decisions and good decisions about their finances. Like you said there's a lot of things that they've never faced before. They have never faced pension decisions or social security decisions. They've added to their 401(k) but they've never taken money back out of it before. You've had company health insurance for quite some time, now you get into Medicare. You've heard your parents talk about required minimums in all these other situations, you just haven't faced that yourself. So we want to make sure that we're helping you make good decisions about your retirement and good decisions about your finances. When it comes to the ideal client, it's really people that want some guidance with these decisions because they understand how impactful their choices can be and they understand that they can make an impact on their retirement. All is not lost there. They still have hope and their chances are pretty good. They're just putting together some pieces of the puzzle. We'll make that retirement dream a reality for them. But I'll say two things real quick about who we usually work best with. A lot of times we work best with people who are charitable. They're the people that give good amounts of money to their church and to nonprofits and we love them because that's who we feel we are, and it's fun to work with people that have that same mentality. There's also some fun tax planning ideas we can do. And if you happen to not be charitable you might miss out on some of those fun tax planning things. Also we found that there's a lot of people who have publicly traded stock inside of their 401(k) or maybe they've got some different options that are available. There's just some interesting tax things you can do that unfortunately a lot of clients and advisors aren't aware of. And it's really about finding someone that is charitable and that has these certain accounts or certain stocks and just find some opportunities for them to do even better with what they've got. 

Aric Johnson: That's fantastic. How do you find these clients?

Jeremy Keil: When you have a niche and somewhat of a narrow place where you are helping specific people, a lot of the time they find us online. You get to a certain age when you start typing in “retirement planner nearby” or “what should I do with my 401(k)”, and we've made sure that we've got some good information out there for people that reach out to us. We have all our clients know that we focus specifically on retirement planning and when their friends and family are getting close to that age or have questions about their their stock or their plans or their social security things along those lines, they know that they can turn to us as a good trusted place to educate them and point them in the right direction. If they happen to be a good fit we will guide them along the way. 

Aric Johnson: Fantastic! Speaking of education, what kind of client education do you guys do? What do you have that you are involved in there?

Jeremy Keil: Well we love educating people. My mom's a teacher. I've taught a few classes at some local colleges. So we just love educating people to make sure that they are more aware of their money. If you know more about your money, you'll feel better about your money and the rest of your life. So we're educating all the time in our client meetings. Even if you're just someone that we've just met for the first time we'll make sure that we're educating you on your accounts that you have and other opportunities that you could have. So we're just doing it in general, but we also like to give seminars here in our office, at libraries, churches, nonprofits, and different places where just giving some great education on those different topics on retirement, Social Security, stock plans, and things along those lines.

Aric Johnson: Great. Great. All right. So you're talking about so many different things with education and what you're doing in the community and how you help your folks. I know you can't do it alone. So who's on your team and what do they do? 

Jeremy Keil: You've got John who has been with us for a few years. He does a lot of the client service work. He had quite a bit of experience doing that type of activity, making sure that anything that the client wants to have done gets done correctly and on time. We are rooting for him to pass his CFP test. He has been studying and planning on getting his CFP certification because it's his goal to become a financial advisor.

Aric Johnson: That's not easy. The CFP test is tough.

Jeremy Keil: The CFP is a tough test, but he's working hard. Before we started recording he was figuring out how he's going to get down to Chicago for the four day live course. So he's put in the time, and we're looking forward to having him pass the CFP. We're basically saying that a requirement to be a full fledged financial adviser is to make sure that you've got that certified financial planner background. 

Aric Johnson: Yeah that's fantastic. What are you guys doing in the community? 

Jeremy Keil: For me it's a lot of time with my kids. I have a four year old daughter and an eight year old daughter, and my wife's the Girl Scout troop leader for them. So we spend a lot of time on their activities. But you can always find us at our church, Lakepoint Church in Muskego. I am on a few different boards in Muskego, the city that we live in. We are also involved in a couple of nonprofits that we like to help out with. We just did some volunteering over at the Lighthouse Youth Center in Milwaukee. That was a fun event that we brought our whole office out to. We were just at the Lutheran Home Foundation on Saturday, a really great place that has hundreds of people living there, as well as a nursing home and assisted living area. They were announcing that they hit their 10 million dollar mark and raised all the funds they needed for a memory care unit. So it was a lot of fun to be there watching.

Aric Johnson: Yeah. That's great. It's so needed and what a great organization. Jeremy I don't want to dive too much into the technical stuff right now in this podcast, but can you share a little bit about the designations that you hold or the advanced education that you have?

Jeremy Keil: Yeah. I talked earlier about our education focus and that starts with us. Personally, I love to read and love to learn about how I can help people make their financial decisions. So I have a few designations. First there is the CFA (Chartered Financial Analyst). Then I’ve also got the RICP (Retirement Income Certified Professional). That's something the American College put together to focus specifically on all the different tax and investment topics that come up for retirement. Another one I feel might be a good one to highlight is the Certified Kingdom Advisor. It's one that was founded a few years back, and it's the idea that there's a lot of folks that feel that their faith and their beliefs that they draw out of the Bible should be applied towards the way that they manage their money. I just really need to learn even more. I thought I knew a bit when I started it, but there is so much to learn from these courses in terms of how to biblically manage your money. It has been a lot of fun. I would say that it has been stretching me, and I have been able to learn a lot about that area of life.

Aric Johnson: Fantastic. You're singing my song man. We'll talk more but I'm definitely into BRI. I do a lot of work within a lot of other organizations that you and I could talk for hours about I'm sure. 

Jeremy Keil: BRI stands for Biblically Responsible Investing correct?

Aric Johnson: Yes sir. Sure does. All right. Good. So that was really easy right? That was the first half of this podcast. Now we're going to get into your personal life a little bit OK?

Jeremy Keil: Please do. 

Aric Johnson: Here we go. All right. So the first question is easy. What are you doing when you're not working? What do you do for fun?

Jeremy Keil: The kids and my wife are my first loves. I hang out with them and take the kids all around to their activities. On the personal side you will find me reading or spending a lot of time biking or swimming. Swimming is my new favorite sport. I used to golf a lot but I don't go quite as often now that the kids are growing up. It's really easy to hop on a bike for an hour instead of going golfing for a few hours on a weekend. But that's all right. 

Aric Johnson: Yeah absolutely. I love golf. I'm terrible at it but I love it. But again you know that's a good three or four hour commitment and sometimes that's hard on a Saturday when you've got a to-do list and you've got kids and all sorts of other people that want your time. All right. If you had all the money you ever needed for the rest of your life, what would you do?

Jeremy Keil: I hope I would be doing what I'm doing now, and I feel like everyone here probably should have all the money that they've ever needed in the world. It's more a matter of the mindset that you have enough compared to actually achieving a certain dollar amount. I've seen studies about how much is enough, and whatever the person has they say about 25 percent more. If someone has 200 grand, 250k is enough. Then they get there and say next I need to get a million bucks now. But then they get to $1m and they say that $1.25 million would be enough. It just seems that if you're shooting for that dollar amount you will never get it. But if you change the mindset that you already have enough, I think then you can maybe focus on other things and actually do the things that you want to be doing.

Aric Johnson: That's powerful. That's amazing. I can’t argue with that at all. That’s a great mindset to have. What is your idea of success?

Jeremy Keil: Oh that's a good one. I like to add value. I feel like if you're adding value to the people you meet then that's success. If you're adding value to your family, if you're adding value to your clients, if you're adding value to your friends, that's success.

Aric Johnson: Love it. All right. People take this question a lot of different ways, but I want you to just be completely open minded. What is the one thing you recommend most to clients, family, or friends? It could be pizza toppings, it could be spiritual advice, it could be financial advice, or it could be you know a good bike path. Really anything.

Jeremy Keil: Yeah. Let's see here. One of my favorite books is The Millionaire Next Door by Thomas Stanley. I'd say that's what I recommend quite a bit when talking on the book side of things. Just amazing. If you're a financial advisor it helps you understand who's really out there that has become wealthy. It helps you understand what types of people you can help out. And if you're not a financial advisor, it gives you a good picture of what success looks like. It's not necessarily about flying around in a fancy jet. You know you think having a jet equates to success, but it's just amazing the research they've done that the happiest, wealthiest people have been married to the same person for years. They live below their means, and they're out there trying to add value to the world, whether it is their business or their personal life.

Aric Johnson: Yeah it’s amazing just the thought of the more you give the more you get, and it doesn’t have to be about money. You know it’s more than that. You can give away your time, talents, and treasures, and the more you give the more you get back in joy and peace. I don’t understand how so many people miss that. I wish more people understood that. All right. Now to my favorite question, and I told you this before the podcast. This one is my favorite. I don’t let anybody slide on this one. What is the one thing that most people do not know about you Jeremy?

Jeremy Keil: I’d say most people I know may know this already because I’m pretty vocal about it, but I did not learn how to swim until I was 23 years old. When I was five years old they threw my in the shallow end and I just about drowned. I did not care for it, and after about two weeks of swimming lessons they got me to maybe dunk my head in once. So here I am 23 years old talking to my mentor. He said that we should do a triathlon. I said well I got to learn how to swim. He just kind of laughed. But I said that I was serious, I have to learn how to swim. So we took some swim lessons, I learned how to swim, and I ended up completing two of the sprint triathlons. Those are the absolute smallest ones, but for a guy that started out not knowing how to swim I was pretty excited about that. 

Aric Johnson: Yeah not too shabby. Holy cow. Only 23 years old?

Jeremy Keil: Yeah.

Aric Johnson: All right. Well my soul is connected to water. That's where I've always been. I had a scuba diving license and was a lifeguard and all that, but now I'm in Nebraska so there is no water here. OK so we've talked a lot about family. We talked about success and all that, but in everybody's life there's always these times where we lose focus right? We have something that happens whether it's a tragedy or maybe it's a fork in the road. There's a decision that needs to be made. So the next question really is what is your mantra, motto, or something you say to yourself to help keep yourself focused and on track?

Jeremy Keil: Well it's close to a line from the great philosopher Vanilla Ice, and the line is that anything less than your best is a felony, and I believe it. If you're not giving your best that’s honestly a crime. If we're put on earth here to help others and to add value and you're not going about doing that, that's definitely a felony. If I'm ever feeling like perhaps I'm not about to give my best, that's what I run through my head that anything less than your best is a felony. 

Aric Johnson: And does it have the baseline in back of it when you think about that line?

Jeremy Keil: Oh absolutely. It has to. It has to. 

Aric Johnson: Right. A bad thing is I could actually sing the entire song right now. I won't.

Jeremy Keil: America thanks you for it.

Aric Johnson: That's exactly right. Oh my gosh. Okay so we're almost done with the podcast. It went by very quickly. Let me ask you this. If you had to pick one, what is your proudest achievement?

Jeremy Keil: I will skip past the raising kids part because I think it's awesome and we should all be proud of that. I'm thinking one that comes to mind is back in college I was a German minor. I grew up in Germany with my dad being in the military. I wanted to give myself a little challenge, and the challenge was to take a second level French course because I figured that learning another language should be easy. That was one of the toughest courses I've ever taken, and I ended up with a B and was very proud that I chose to do something different rather than taking an ordinary class and ending up with an easy A or A+.

Aric Johnson: Got it. Now you said you were in Germany at the time right?

Jeremy Keil: I grew up in Germany. I was going to school in Maryland. My dad was in the army and he moved back and forth between the U.S. and Germany a few times. I happened to be born in Germany with him being overseas there, but I've gone to American schools. Never really lived out in the German world.

Aric Johnson: All right Jeremy we are at our last question, and this is more about the general audience than you. Hopefully this podcast goes nationwide and gets lots of attention. My question to you is can you give a sneak peek to folks that are listening to this what they are going to learn on this podcast and also tell us what kind of person should be listening to it?

Jeremy Keil: I think the folks that should be listening to it are really anyone that does not have their retirement figured out. If you’ve got retirement figured out the more power to you, but I got a feeling there are a few folks out there that have not yet accomplished that. We are going to be helping those people prioritize the areas of their life that they can impact. We see a lot of times that people are trying to make things happen in areas they really can't impact at all. There are ways that you can plan for your retirement that just helps you make decisions in areas that you can actually impact. We will give you quite a bit of ideas for you to explore, just ways to think about your investing, ways to think about your retirement, and ways to think about your pension. We will help you think about your spending and income. That is basically what we are doing. 

Aric Johnson: All right. That sounds really good. And if it sounds good to somebody out there that's listening right this moment, how do they get a hold of you?

Jeremy Keil: Our firm’s website is keilfp.com. That's Keil, my last name. FP for financial partners.

Aric Johnson: All right. They've got the address, and hopefully they will check it out very quickly and get in touch with you to find out what you guys can do to help them out. Jeremy thank you so much for being so open with us today, and I look forward to working with you on this podcast. 

Jeremy Keil: Thank you. 

Aric Johnson: You bet, and thank you all for listening to the Retirement Revealed podcast with Jeremy Keil. If you have not subscribed to the podcast, which I know you have not because this is the very first one, please click the “Subscribe Now” button below. This way when Jeremy comes out with the new podcast it'll show up directly on your listening device. This makes it much easier to share these podcasts with your friends and family. Again, thanks for listening today. For everyone at Keil Financial Partners, this is Aric Johnson reminding you to live your best day every day, and we'll see you next time. 

Thank you for listening to the Retirement Revealed Podcast. Click on the subscribe button below to be notified when new episodes become available. Visit Retirement-Revealed.com to learn more. 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 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. 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.