Kelli Ruic Western & Southern Life

10/13/2026

Looking to make a difference as you launch your career? Roles that support people, communities, and long-term wellbeing allow you to use your skills to create real, positive impact every day.

Learn more about careers where your work can make a lasting difference.

https://www.westernsouthern.com/wslife/careers/field-careers?utm_source=facebook&utm_medium=Hearsay&utm_content=3202346&utm_campaign=1261461

10/06/2026

Welcoming a baby changes everything—including your finances.

The good news? A few smart steps can help make a big difference.

Start with a clear budget, build an emergency fund, and review your life insurance policies to help protect your growing family.

Then, think long-term: college savings, retirement, and updating your estate plan all matter.

Parenthood is overwhelming enough—your finances don’t have to be. Small, intentional moves today can help create real peace of mind tomorrow.

Learn practical financial tips for new parents, from budgeting and saving to insurance and college planning, so you can build a strong future for your family.

10/06/2026

Whether you’re getting married, growing your family, buying a new home, changing jobs or working toward retirement… Contact me for financial and insurance guidance on a variety of life events. I am now a financial representative with Western & Southern Life, and I’d be happy to provide a personalized, complimentary financial review.

09/29/2026

How much should you really save for retirement each month?

The rule of thumb is ~15% of your income—but let’s be real, that’s not always doable.

Here’s the takeaway:

Start where you can. Stay consistent. Increase over time if possible. Because even small monthly savings can grow big later.

Progress > perfection.

What’s one small step you could take this month to get closer to your retirement goal?

https://www.westernsouthern.com/wslife/learn/financial-education/how-much-should-i-save-for-retirement-each-month?utm_source=facebook&utm_medium=Hearsay&utm_content=3232063&utm_campaign=1261461

09/22/2026

Are you and your loved ones fully covered?

Don’t wait for a rainy day, let’s review your coverage soon, no raincoat required.

https://www.westernsouthern.com/wslife/learn/financial-education/family-life-insurance?utm_source=facebook&utm_medium=Hearsay&utm_content=3232051&utm_campaign=1261461

09/15/2026

Thinking about retirement? Whether you started early, later in life (like me) or not at all, there is not better time than NOW!

Starting early isn’t just smart, it’s powerful. Time lets compound interest do the heavy lifting, it could help you maximize tax advantages, and gives you flexibility down the road. Plus, relying on Social Security alone likely won’t cut it.

The takeaway: small steps now could mean bigger freedom later.

Your future self will thank you.

https://www.westernsouthern.com/wslife/learn/financial-education/reasons-to-start-preparing-for-retirement-now?utm_source=facebook&utm_medium=Hearsay&utm_content=3239050&utm_campaign=1261461

09/08/2026

Annuities are financial products designed to help turn savings into a stream of income in retirement.

Depending on the type—fixed, variable, or indexed—they can offer different ways to grow money and help provide income options.

While features and costs vary, annuities are often considered by individuals seeking predictability in retirement planning.

Understanding how they work can help you decide if they align with your long-term financial goals.

Explore the basics of annuities at the link below.

Discover how annuities work to secure steady income in retirement. This easy-to-read guide gives you the answers you need. Start planning today!

08/25/2026

From Boomers to Gen Z, every generation invests differently—but each has something to teach.

Whether it’s risk tolerance, tech-savvy strategies, or long-term planning, understanding these differences can unlock smarter decisions for all.

Let’s bridge the gap together and explore strategies for financial progress.

Boomers, Gen Xers, millennials and Gen Zers are taking varying approaches to investing. Here's what they're doing and key lessons you can learn from them.

08/18/2026

Interested in lowering your taxes in retirement? Consider these 3 creative concepts for potential tax savings in retirement.

https://ow.ly/Ymeh50XmNWx

*Western & Southern Life does not provide tax or legal advice. Please contact your tax or legal advisor regarding your situation. The information provided is for educational purposes only.

You can apply key minimalism concepts for potential tax savings. Here’s how.

05/04/2026

Do you have life insurance through work? That’s great – but understand you probably cannot keep that coverage, should you terminate your employment or retire.

Let’s talk about some “stickier” options that can help meet your financial needs.

https://www.westernsouthern.com/wslife/products/life-insurance