Form CRS & Brochures
X-twitter Linkedin Youtube Instagram Facebook
Main Menu
  • Home
  • Who We Are
    • About Us
    • All Team Members
    • What Makes Us Different
    • Testimonials
  • Services
  • News & Events
    • Articles
    • Events
    • Videos
  • Podcast
  • Contact
Client Access
Client Login

Insights

  • Articles
  • Videos
  • Events
  • Articles
  • Videos
  • Events

How Rising Interest Rates Impact Investments

January 1, 2022

In an attempt to control inflation, the Federal Reserve has signaled its intention to raise the federal funds rate (currently set at zero) three times

Read More »

5 Tips for a Financially Strong 2022

January 1, 2022

The start of a new year is a great time for introspection and evaluating the areas of your life you want to improve. When setting

Read More »

Weekly Commentary | December 28, 2021

December 28, 2021

Investors were feeling bullish. Last week, the Standard & Poor’s 500 (S&P 500) Index closed at a record high for the 68th time this year.

Read More »

Weekly Commentary | December 21, 2021

December 21, 2021

Stock and bond markets diverged. Last week, the Bank of England surprised markets with a rate hike, its first in three years, and the Bank

Read More »

Weekly Commentary | December 14, 2021

December 14, 2021

Inflation met expectations. When the Bureau of Labor Statistics released the Consumer Price Index (CPI) last week, it showed that inflation was at levels last

Read More »

Weekly Commentary | December 7, 2021

December 7, 2021

Investors look to the future. Last week, employment and manufacturing data confirmed that the United States economy continued to strengthen in November, but positive economic

Read More »

Why You Need an Evolving Financial Plan

December 1, 2021

Financial planning is not a set-it-and-forget-it activity. Rather, financial plans are ever-evolving based on your changing life circumstances. Your goals and priorities may shift as

Read More »

3 Tips for Evaluating Portfolio Performance

December 1, 2021

Building a portfolio is a big effort. It requires considering your goals, time horizon, and risk tolerance. Once that’s settled, you’ll have to choose investments

Read More »

Weekly Commentary | November 30, 2021

November 30, 2021

COVID-19 strikes again. Coronavirus cases have been on the rise in Europe, climbing from about 700,000 new cases a week in September to 2.6 million

Read More »

Weekly Commentary | November 23, 2021

November 22, 2021

Thinking about the possibilities. The Standard & Poor’s (S&P) 500 Index finished last week slightly higher and has gained about 6 percent during the past

Read More »
« Previous Page1 Page2 Page3 Page4 Page5 Page6 Page7 Page8 Page9 Page10 Page11 Page12 Page13 Page14 Page15 Page16 Page17 Page18 Page19 Page20 Page21 Page22 Page23 Page24 Page25 Page26 Page27 Page28 Page29 Page30 Page31 Page32 Page33 Page34 Page35 Page36 Page37 Page38 Page39 Next »

Subscribe here to receive webinar invitations, market commentaries, and more:

X-twitter Linkedin Youtube Instagram

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.

In accordance with Rule 206 (4)-1 of the Investment Advisers Act of 1940, our firm may provide a flat fee to participate in non-affiliated programs that seek to match prospective advisory clients with investment advisers. These programs provide information about investment advisory firms to consumers who have expressed an interest in such firms. The program also provides the name and contact information of such persons to the advisory firms as potential leads. The flat fee we pay for being provided with potential leads may vary depending on the region or territory we request to receive referrals in. Such compensation arrangements will not result in higher costs to the referred client. The following information will be disclosed clearly and prominently to referred prospective clients at the time of introduction to our firm:

  • Whether or not the unaffiliated program/person is a current client of our firm,
  • A description of the cash compensation provided by our firm to the unaffiliated person in exchange for the referral/endorsement, if applicable, and
  • A brief statement of any material conflicts of interest on the part of the unaffiliated person giving the referral resulting from our firm’s relationship with such unaffiliated person. 

Headquarters

  • 4090 Clydesdale Parkway
    Suite 201
    Loveland, CO 80538
  • (970) 744-5408

Arizona Office

  • 3100 West Ray Rd
    Suite 201
    Chandler, AZ 85226
  • (480) 269-6804

Who We Are

  • Home
  • About Us
  • Our Team
  • What Makes Us Different
  • Testimonals

What We Do

  • Services
  • Find your number

News & Events

  • Blog
  • Events
  • Videos
  • Podcasts

Information

  • Contact
  • Client Access
  • 2025
  • Keystone Financial Services
  • All Rights Reserved
  • Built with Oechsli
Main Menu
  • Home
  • Who We Are
    • About Us
    • All Team Members
    • What Makes Us Different
    • Testimonials
  • Services
  • News & Events
    • Articles
    • Events
    • Videos
  • Podcast
  • Contact
Client Login
Wealth Management System
Schwab Alliance
Fidelity