Joy Daly Key Retirement Solutions

08/29/2026

⚾️ Cubs, teammates & lots of laughs! 💙❤️

What a FUN office team trip to Wrigley Field! ⚾️ We may not have gotten the win—the Cubs fell to the Reds—but we definitely won when it came to team bonding, great memories, and lots of laughs! 😄

I absolutely LOVE my team! ❤️ There’s nothing better than working alongside people who support one another, work hard, and know how to have a great time together.

A HUGE thank you to our amazing RSMs, Brandon and Ryan, for making days like this possible and for always supporting our team! 🙌

Here’s to great teamwork, great friendships, and hopefully a few more W’s next time! 😂⚾️

08/27/2026

🎉 Congratulations to John & Patti on starting Medicare! Welcome to the KRS family! ❤️

And a big hello to our newest agent, LILY!👋 She shadowed me today and did a fantastic job!

Our KRS family is growing every day, and I couldn’t be more excited! 💙 Here’s to helping more people navigate Medicare with confidence and care! 🙌

08/14/2026

Batavia Women in Business.
Multi-Chamber, Progressive Networking Luncheon 💕

08/14/2026

Back-to-school season has us thinking about more than just the year ahead. 💡📚

We’re thinking about the futures we hope our children and grandchildren will have.

We want them to have a strong financial foundation to build a beautiful life on. 🙏

➡️ Did you know? Certain permanent life insurance policies can build cash value over time that may be accessed during the insured’s lifetime. This can provide a financial resource for future needs, such as college expenses, a first home, or even starting a business.

Some policies also include living benefits, which may provide access to a portion of the death benefit following a qualifying illness or condition.

Life insurance isn’t always just about what you leave behind. It can also be about what you help make possible along the way. 💙

This back-to-school season, consider giving your child or grandchild the gift of life insurance.

Want to learn more about how these policies work and what they cost? Reach out to your KRS agent today! 🔑 www.krs.insure

08/14/2026

What a great event! Very well planned and organized. I really enjoyed the experience and was able to work with a lot of great people and make some valuable connections. 

08/11/2026

🚨 Medicare costs are making headlines again! 🚨

If you’ve seen the recent news about rising Medicare insurance premiums, copays, and out-of-pocket costs, now is the perfect time to review your coverage.

Many people don’t realize they may have options that could help lower their monthly premium, reduce overall costs, or provide better benefits.

As an independent Medicare broker, I work with multiple A+ rated insurance carriers, allowing me to compare plans and shop the market on your behalf — all at no additional cost to you.

✅ Compare multiple plans
✅ Review premiums and benefits
✅ Find coverage that fits your needs and budget
✅ Receive personalized guidance from a local expert

Don’t let rising costs catch you by surprise. A simple review today could potentially save you money and give you peace of mind.

📞 Call, text, or message me to schedule your complimentary Medicare review!

Not affiliated with or endorsed by the U.S. government or the federal Medicare program.

NBC 5 Responds’ PJ Randhawa has tips for retirees on how to address health insurance rate hikes after a Roscoe Village woman sought help.

08/07/2026

What a fabulous afternoon in Elwood with the Twilighter’s Group! 🌟

A huge thank you to everyone who joined Stephanie Burling and me for our Estate Planning Seminar. We had a wonderful time sharing valuable information about how proper estate planning can help your loved ones receive your assets more quickly, while minimizing unnecessary delays, expenses, and court involvement.

Planning ahead is one of the greatest gifts you can leave your family. It provides peace of mind, protects your wishes, and helps make a difficult time a little easier for those you love.

Thank you to the Twilighter’s Group for your warm welcome and great participation! We look forward to helping more families understand their options and plan for the future.

If you or someone you know would like to learn more about estate planning or Medicare, send me a message. I’d be happy to help!

08/05/2026

🎉 Happy 65th Birthday, Chuck, and welcome to Medicare and the KRS family! 🎉 💙💛💙 🔑

Thank you for trusting me to help make your transition to Medicare simple and stress-free. Together, we found a plan that fits your individual needs and budget, giving you confidence and peace of mind for the years ahead.

Turning 65 or already on Medicare? You don’t have to navigate it alone. As an independent Medicare broker, I shop multiple top-rated insurance carriers to help you find the coverage that best fits your unique situation—at no additional cost to you.

If you or someone you know has questions about Medicare, is turning 65, retiring, or simply wants to review their current coverage, I’d be happy to help. A quick conversation can make all the difference!

Please join me in congratulating Chuck and wishing him a wonderful birthday and many healthy years ahead! 🎂🎈

07/31/2026

What a fantastic time we had at our Root Beer Float Social at The Covenant Living! 🍦🥤 A huge thank you to Aubrie Sanchez -Johnson for helping make the afternoon so much fun. It was wonderful meeting so many friendly faces, sharing great conversations, and enjoying delicious root beer floats together!

Now I’m looking forward to seeing everyone again for my “All Things Medicare” presentation on Monday, August 17 at 2:00 PM in the All-Purpose Room.

Whether you’re new to Medicare, already enrolled, or just have questions about your options, this presentation is for you! We’ll discuss Medicare Parts A, B, C & D, Medicare Supplements, Medicare Advantage, prescription drug coverage, and tips to help you make informed decisions. There will also be plenty of time for questions.

Bring a friend and join us for an informative, fun, and no-pressure afternoon. I can’t wait to see all of my new friends again on August 17!

07/31/2026

Medicare Advantage plans are a great fit for many seniors...but one detail that's often overlooked is hospital costs. 😳

Depending on your plan, a hospital stay may include daily hospital copays, emergency room copays, outpatient surgery copays, and other out-of-pocket expenses that can add up quickly.

That's why many people choose to pair their Medicare Advantage plan with a Hospital Indemnity policy.

💡Hospital Indemnity Insurance pays a cash benefit if you were to go into the hospital. Depending on the policy, benefits may be paid as a lump sum or as a daily cash benefit and are paid directly to you. This gives you the flexibility to help offset eligible out-of-pocket medical expenses.

Like any insurance product, it's not the right fit for everyone. The key is understanding your coverage, knowing your options, and choosing the protection that best fits your needs. 🔑

If you're wondering whether a Hospital Indemnity plan could complement your Medicare Advantage coverage, our retirement specialists are here to answer your questions and help you make an informed decision!