Check out Jeremy’s latest podcast on the new map of life by listening on “Apple Podcasts” or “Google Podcasts” or read below for 5 Things You Should Do Differently in Retirement.

#81 – The average life expectancy is 30 years longer than it was a century ago. As a result, retirees now have more years to plan for.

After all, an extra 30 years likely means that the end of your retirement will be a lot later than it used to be!

Now, you might say, “Why do I need to worry about the end of my retirement already? Let me enjoy the beginning of my golden years first!”

If you don’t think about the end of retirement now, how will you know how many years you need to save for? Or how much you can spend each year without the risk of running out of money?

In this episode, Jeremy Keil shares interesting, research-driven retirement strategies by Laura Carstensen from the Stanford Center on Longevity. You’ll learn about a new map of life — a plan that is aligned with a higher life expectancy and teaches you to spend your pre- and post-retirement days more efficiently and enjoyably.

Jeremy discusses:

The New Map of Life: 5 Things You Should Do Differently

Before we dive into the 5 things retirees should do differently today, let’s take a look at the NEW MAP created by the Stanford Center on Longevity to guide long-lived societies:

Now, let’s move on to the 5 things you can do differently to improve your retirement picture:

1) Forget the Traditional Sequence

Compared to 125 years ago, we are all gifted with an extra 30 years of life expectancy. Why add them only to the end of life? Perhaps you can spread them out throughout your life — study a little longer, work some, have more vacation days, and finally, enjoy more retirement.

Traditionally, most people have adopted the general life sequence: study, work, retire.

Forget the traditional sequence. Instead, you could take an extra week or month of vacation and live like a stress-free retiree while you’re still working. You can then compensate for these extra vacation weeks by working a year longer.

You don’t need to separate learning, work, and retirement anymore. Reap the benefits of the added years throughout life!

2) Focus On Personalized and Joint Life Expectancies

The life expectancies that you read online might give you the expected lifespan of a child born today. However, they can vary significantly for retirees who are already in their 60s.

For more accurate planning, you should search for:

You can get estimates for both personalized and joint life expectancies on the Actuaries Longevity Illustrator.

3) Don’t Compare Your Retirement With That of Your Parents/Grandparents

A lot of 60-year-olds fear that they only have a few more years to live now.

Where does this fear stem from? For a lot of people, their parents/grandparents might have died at an earlier age because the life expectancy was lower before.

But consider this: The previous generations had fewer medical advances, underwent the harsh conditions of a world war, and perhaps also had frequent smoking habits.

Today, you have nearly 25 more years of medical advances compared to your parents and 50 more years of advances compared to your grandparents!

So, don’t compare your retirement with that of the previous generations. You very likely need to plan for a longer life.

4) Consider Working Longer

The idea of working longer and delaying retirement can seem scary. But it’s not as bad as you might think.

Research has shown that 50% of 85-year-olds feel healthy enough to work!

Working longer can be a great way to increase your retirement income. Plus, you can get the benefits of an increased Social Security and pension by delaying your retirement.

As mentioned above, working longer can also be good for your mental and physical health, leading to a longer and healthier life.

5) Note Down These Six Maxims

The following six maxims by the Stanford Center on Longevity are worth keeping in mind:

___________________________________________________________________________

Do you want to learn more about retirement planning? Check out the resources below!

If you have any questions, feel free to contact us and we’ll be happy to help you plan for your ideal retirement!

Resources:

Connect With Jeremy Keil:

===

Disclosures

Videos/Podcasts/Blogs (media) published prior to June 30, 2025, were recorded and approved while the advisor was affiliated with Thrivent Advisor Network. These media reflect the advisor’s views and interpretations at that time. The information and disclosures contained in those media were believed to be accurate and complete as of the date of recording, but may not reflect current market conditions or Alongside, LLC, policies.

All content is provided for educational purposes only and does not constitute personalized investment advice. Read below for current disclosures and potential conflicts of interest.

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.

For important disclosures visit: https://keilfp.com/disclosures/

===