Let's Meet (new clients)

Our Process

Keystone strives to provide our clients with financial fulfillment, offering options designed to suit your lifestyle while working and into retirement. Our professionals create strategies that reflect each client’s financial goals and objectives while also providing management of their investments.  Keystone’s Registered Representatives work through an established financial planning process to determine a suitable strategy to work towards your goals and objectives.

Through the entire planning process, Keystone Financial strives to bridge the gap between your present financial status and your future financial goals. Each client and situation is unique and the plan we create together is tailored to your particular needs and objectives. As we review and analyze your financial situation, our comprehensive knowledge of the core areas of financial planning allows us to provide solutions to help you address your goals and that reflect our total commitment to your future well-being.

Financial Organization Meeting

To start designing your financial plan, we need to understand your current financial situation. We will discuss your goals and expectations, assess your risk tolerance, and lay the groundwork for a sound financial strategy that’s suited to your needs. At our first meeting, we'll help you organize your financial information. Bring whatever you can find easily, even a box of scattered papers or unopened envelopes. We'll also help you locate your online accounts. 

Right Capital is our robust financial planning software program.  If you would like to share any financial documents prior to the meeting, you can upload them to Right Capital’s Vault.  The Vault is a secure and accessible location to share relevant information.  Below is a short video that will walk you through how to access the vault. 

Printable Financial Document Checklist

Right Capital Vault Tutorial

How to Run Pension Projections Tutorial

Analysis and Design

Based on your goals and financial situation we will work with knowledgeable and experienced partners to create a financial plan for you and your family.  Our analysis and design will include a review of current investment holdings, projections  of future retirement scenarios, tax-efficient distributions, estate planning considerations, and insurance evaluation.  We use statistical analysis, especially Monte Carlo scenarios, to help map a financial plan that will work for you now as well as throughout your life. 

Personalized Plan and Action Items

Once The Analysis Is Complete, We Will Meet With You To Discuss And Review And Recommend Action Items For You To Consider To Help Achieve Your Financial Goals. 

These action items tend to include:

• How should you be contributing to the ESP?  Before Tax, Roth, or After Tax
• Which account(s) will you use to replace your paycheck with retirement withdrawals?
• How can you reduce taxes over time with Roth conversions or early distributions?
• What decisions do you need to make for Medicare or other health care coverage?
• Which Pension Options should you consider when retiring?
• When will you claim Social Security?

Plan Implementation/Client Review

Once we review your plan,  we start implementing your Action Items.  We begin to make the changes needed to strive to achieve your financial goals.  This includes designing a personalized investment portfolio appropriate to your needs.  Your plan is consistently monitored, as the financial landscape changes, we will update your plan to adjust to these changes.  Our firm will conduct frequent reviews with you to ensure we are aware of any major life changes that may impact your plan.