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Market Commentary | March 22, 2022

March 22, 2022

Markets were reassured by the Federal Open Market Committee (FOMC)’s actions last week. The FOMC met on March 16 and did exactly what most people

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Market Commentary | March 15, 2022

March 15, 2022

Investor optimism is quite low. In just two weeks, the war in Ukraine has changed the status of 1.3 million people – approximately the number

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Market Commentary | March 8, 2022

March 8, 2022

The world is adapting to a changing reality. As the war in Ukraine intensified last week, financial markets grappled with uncertainty. “After watching financial markets

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Market Commentary | March 1, 2022

March 1, 2022

Last week, Russia invaded Ukraine. Russian President Vladimir Putin’s decision ignited the biggest military conflict in Europe since World War II. The war is already

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Weekly Commentary | February 22, 2022

February 22, 2022

Investors’ appetite for risk diminished as the Russian threat to Ukraine intensified. Volatility was high last week as investors guessed and second-guessed how markets would

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Weekly Commentary | February 15, 2022

February 15, 2022

Why did stock markets in the United States finish the week lower? If this were Jeopardy, acceptable answers to that question might include: Rising inflation.

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Weekly Commentary | February 8, 2022

February 8, 2022

A rosy view through the rearview mirror. To say that economists did not have great expectations for the January employment report might be understating their

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Weekly Commentary | February 1, 2022

February 1, 2022

Last week, the January stock market decline was interrupted by a Friday afternoon rally. “The S&P 500 rose 2.4 percent, its biggest one-day jump since

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Weekly Commentary | January 25, 2022

January 25, 2022

When is a barometer not a barometer? It’s widely recognized that people do not make perfect financial decisions. In fact, many investors rely on mental

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The Benefits and Risks of Income Investing

January 25, 2022

Income investing is a strategy that seeks to provide investors with passive income from the assets they hold. This strategy may be attractive to people

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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 PLANNERâ„¢ 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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