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Home ยป Blog

Donโ€™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: โ€œTime isnโ€™t the main thing. Itโ€™s the only thing.โ€ 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 โ€“ 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 โ€˜Sandwich Generationโ€™? If you have the responsibility of simultaneously raising kids and looking after your aging parents, then this article is

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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.ย 
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As of June 30,ย registered broker-dealers and registered investment advisers are required to provide a new customer or client relationship summary (also called Form CRS) to retail investors, in addition to our firmโ€™s ADV Brochures.ย  Please click on the following link to help you better understand our relationship and our fiduciary duty to you when choosing us as your financial professional.ย https://adviserinfo.sec.gov/firm/summary/310623
The Certified Financial Planner (CFPยฎ) 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 PLANNERโ„ข certification is the standard of excellence in financial planning. CFPยฎ 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 CFPยฎ 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 CFPยฎ 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 CFPยฎ 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 CFPยฎ 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 CFPยฎ professionals provide financial planning services at a fiduciary standard of care. This means CFPยฎ professionals must provide financial planning services in the best interests of their clients.
CFPยฎ and CERTIFIED FINANCIAL PLANNERโ„ข 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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