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Thank you!

By: Josh Nelson

We’ve had so many referrals from our clients this year, so I wanted to take a moment to tell you how grateful we are for all of you and the people you’ve introduced to us!

Not only do we love helping new people, but we love the fact that our clients feel confident in what we are doing and our ability to help their family, friends, and co-workers.  I know, from talking to many of you, that you’ve had conversations with others about what we are doing for you and your family and how we might be able to help them as well.  This is a crucial part of our business, because it allows us to stay focused on you and your financial life instead of spending our resources on expensive advertising or “knocking on doors”.

I want to share an easy way for you to introduce someone that is interested in meeting with us.  The following link will send them to our complimentary risk survey, which is the first building block to their Wealth Plan and a conversation with Keystone Financial Services:

https://client.keystonefinancial.org/survey/

To welcome our new clients and thank the clients that introduced them to us; on an annual basis we host an evening of food, conversation, and friendship. We are planning the next event for February 2019. Please continue to spread the word about your experience with Keystone Financial Services and we will give the best of care to anyone you send our way.

Thank you so much for your business and your friendship – all my best to you and your family!

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The 4 Pitfalls of No Plan

There are some things in life you just can’t plan for: an unexpected illness, job loss, death of spouse, disability…While these major events can impact your life, having an effective game plan can help ensure that it doesn’t ruin your financial well-being. Read more

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Top 5 Apps to Save You Money

Top 5 Apps to Save You Money

By Josh Nelson, Wealth Advisor

The smartphone has become the one-stop-shop when it comes to consumer demands. It feels like there is an app for almost everything. With the influx of unique and intuitive apps, there is no better time in history to take advantage of finance-related technology.

We’ve rounded up our favorite apps to help calculate budgets, curb overspending and avoid late payments. Here are our top five recommendations: Read more

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Improving The Traditionally Allocated Portfolio

Published by Tyler Schlumpf

We’re going to introduce a few mathematical concepts in this article that are crucial to building a portfolio. For those that are already moving their cursor up to the X in the right hand corner, just stick with it! These concepts, whether we choose to learn them or not, have a significant impact on the way we combine investments and are important to understand as we discuss portfolio construction. Read more

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3 Reasons Why Robots Won’t Replace Financial Advisors

3 Reasons Why Robots Won’t Replace Financial Advisors

By Josh Nelson, Wealth Advisor

Robo-advisors have been heralded as the “future of investing” by their fans, but can computer algorithms really replace human financial advisors?

Robo-advisors are less expensive than traditional advisors—but their low, up-front price comes with a loss in quality. Robo-advisors lack an irreplaceable human element, which prevents them from providing the essential qualities and services characteristic of traditional financial advisors. When you look more closely at the differences between the two, it seems obvious that robo-advisors could never truly replace human financial advisors. Read more

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4 Simple Steps to Creating an Estate Plan

Published by Beth Schanou, JD

Most of the time, it feels like life is moving at the speed of light. I often feel my entire day, both at home and at the office, is spent in fast forward mode. As if it’s a race to get done as much as possible, I’m running from one thing to the next, all day long, and making sure every household member is fed, cared for, and attends school and their activities. Of course this includes the four-legged members of the family too. Read more

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Retirement Savings Tips: From Your 20s to Your 60s

Retirement Savings Tips: From Your 20s to Your 60s

By: Josh Nelson, Wealth Advisor

Financial planning is a lifelong endeavor, but people often seek out investment advice that doesn’t fit their current stage in life. When it comes to saving for retirement, most Americans invest and manage those savings for six decades or longer. It’s important to consider how your resources and risk tolerance change as you move through different life stages. Read more

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4 Easy Ways to Diversify Your Investments

Published By Jake Bleicher, Equity Analyst

The benefit diversified investments has for a portfolio is simple, in theory. It reduces the impact any individual investment has on the portfolio, and proper diversification can help mitigate losses during a market downturn. In practice however, portfolios can become a large hodgepodge of various assets rather than a methodical allocation. The key is to reduce the correlation between assets so that they generally perform independent of one another. Read more

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There’s More to Retirement than Just Numbers

Have you considered the emotional aspects of retirement and how to plan wisely? In today’s world, people are working well past the age of 65 before retiring. Some people who are in good health may not be ready to retire just yet because they like what they do, want to keep busy, or need the extra money. Read more

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5 Reasons It’s Important to Set Financial Goals

Published by Rob Furlong, Portfolio Manager

The alarm sounded promptly at 1a.m. Shortly after some rustling and grumbling the tent zippers opened and we stepped out into the frigid air. After a quick breakfast, we began heading uphill into the darkness. For the next eight hours life was little more than listening to the ice crunch with each step as we ascended over 5,000 feet into the thinning air. Shortly after 9a.m. we were at 14,200 feet-on top of one of the highest peaks in the Cascade mountain range. Read more