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Home ยป Blog

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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Changing Jobs? Donโ€™t Forget Your Retirement Account

July 23, 2019

People commonly make the mistake of leaving their old retirement accounts behind when they change jobs. While itโ€™s perfectly legal to do this, there are

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5 Tips for Managing a Sudden Financial Windfall

June 21, 2019

As a generation of Americans grows older, a considerable amount of their personal wealth is transferring to younger family members. In fact, over 60 trillion

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Why You Need a Will (and You Need One Today)

June 13, 2019

Who wants to spend an afternoon thinking about their mortality? No one, which is why more than half of Americans donโ€™t even have a will.

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Exposing the Top 7 Social Security Myths

May 28, 2019

Did you know that 67 million people received Social Security benefits in 2017? Despite so many retirees relying on Social Security income, many donโ€™t fully

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Retirement Planning: What Are You Waiting For?

May 8, 2019

Almost half of households near retirement have nothing saved, and thatโ€™s a big problem. I believe the biggest headwind is merely getting started: saving money

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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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