We’ve Moved! 6121 Excelsior Blvd. St. Louis Park, MN 55416

Spooky season! What's your greatest fear?

With spooky decorations in doorways and a smell of leaves in the air, this time of year is all about apple cider and trick-or-treating.  It gets me thinking about scary things that keep people up at night. For most people I know, that fear is outliving their retirement nest egg.

If you are concerned that your savings might run out leaving you broke, you are not alone. In fact, studies show that outliving their money is the #1 fear among those at or near retirement.

That makes perfect sense! At the end of the day, we are most afraid of the unknown. While it is easy to budget for routine expenses like food, entertainment and travel; life expectancy and health care expenses are completely unpredictable. No matter how disciplined you are with your budget, it is tough to know whether you have saved enough just by looking at a bank account balance. With the costs of health care on the rise, a single injury or unexpected diagnosis can wipe out a lifetime of savings in just a few short months.

Having worked with hundreds of individuals like you, I understand what it is like to lay awake at night worrying about money. That anxiety may be well-justified. The good news is that retirement fears can be overcome with proper planning.

Call us at (952) 460­-3260 to schedule a time to discuss your financial strategy.  We will create a custom-fit retirement plan that puts you back in the driver’s seat and gives you the peace of mind you deserve. If you already have a retirement plan, we will review it to make sure it is serving you well.

You might be concerned that it is too late to start planning. The truth is that it is never too late to get on track financially. I know that because I have helped others like you who have come to our office in their 50’s, 60’s and even 70’s. Don’t give up! No matter your age and financial situation, there are always options and tools to improve your retirement outcomes. Let us shine a light into those dark corners and help you see what’s there.

I look forward to saying hello at the office and helping you get a good night’s sleep – even around Halloween!


The content provided here is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal or tax advice. Contact us at info@securedretirements.com or call us at (952) 460­-3260 to schedule a time to discuss your financial situation and the potential role of investments in your financial strategy.

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Ryan Keapproth

Ryan Keapproth

Retirement Planner

Ryan is dedicated to serving clients to achieve their retirement goals. Ryan’s holistic approach centers on wealth management strategies with a focus on income planning throughout retirement. As a Financial Advisor, Ryan is an Investment Adviser Representative (IAR), life and health insurance licensed and a Certified Tax Preparer. Ryan is a graduate of the University of Minnesota, with an Accounting and Finance major.

Ryan is a lifelong Minnesotan originally from Woodbury and currently residing in Bloomington with his wife, Riamae, and their rescue Terrier Beagle mix, Douglas. He and his family are avid travelers in their free time. Ryan enjoys playing golf and poker, and describes himself as a major foodie enjoying new restaurants around the cities whenever possible. He is a sports fan especially when the Vikings and Timberwolves are playing.