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How to Make Your 2020 Resolutions Stick

January 28, 2020

Making a New Year’s resolution is the first step to creating better habits. But making a New Year’s resolution and keeping a New Year’s resolution are not always the

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How to Use a Trust as a Financial Planning Tool

January 28, 2020

Clients frequently ask whether they should leave their assets in a trust. It depends. Of course, if your net worth exceeds $11 million, putting your

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How Your Employee Benefits Fit into Your Financial Plan

December 30, 2019

For many of us, benefits are the afterthought of our employment compensation. We get our paycheck, and our eyes go immediately to the dollar amount,

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Don’t Miss These 6 Year-End Financial Planning Opportunities

December 27, 2019

Are your finances ready for the end of the year? December brings many deadlines and lists; there are gifts to buy, holidays to plan, and

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College Savings Plans: Breaking Down the Complexities

November 26, 2019

The increasing cost of higher education saddles many young adults with massive amounts of student debt. This student debt makes it harder to balance other

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Compounding Wealth (and Wisdom)

October 28, 2019

Jazz legend Miles Davis said it well when it comes to music and investing: “Time isn’t the main thing. It’s the only thing.” Time is

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Be Prepared: 7 Estate Planning Tips

October 14, 2019

No financial plan is complete without an estate plan. Estate planning covers all aspects of your life, from creating your will to planning medical decisions.

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4 Tips to Take Your 401(k) to the Next Level

September 30, 2019

As a retirement income vehicle, the 401(k) is second in popularity only to Social Security – and the number of 401(k) millionaires is at an all-time

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5 Financial Wellness Tips for the Sandwich Generation

September 16, 2019

Are you in the ‘Sandwich Generation’? If you have the responsibility of simultaneously raising kids and looking after your aging parents, then this article is

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8 Simple Tips for Organizing Your Finances

August 15, 2019

Disorganized finances can make it difficult to plan and set your goals. Following a pattern of established management guidelines can help you stay on-top of

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Keystone Financial Services is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Keystone Financial Services and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Keystone Financial Services unless a client service agreement is in place.

The Certified Financial Planner (CFP®) designation is a voluntary certification that is recognized in the United States and a number of other countries for its (1) high standard of professional education, (2) stringent code of conduct and standards of practice, and (3) ethical requirements that govern professional engagements with clients.
CERTIFIED FINANCIAL PLANNER™ certification is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients’ best interests today to prepare them for a more secure tomorrow.
To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

  • Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). The CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
  • Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
  • Complete a minimum of three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
  • Agree to be bound by the CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for the CFP® professionals.

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:

  • Complete thirty hours of continuing education hours every two years, including two hours related to the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, LLC.
These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

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