143 million American consumers were affected by the data breach at Equifax, one of the nation’s three major credit reporting agencies. Read more
Advice in Common Language
FORBES TOP-RANKED TEAM
People deserve to understand what’s happening with their money.
Have you ever sat across from a financial advisor and only understood every third word they were saying? And yet they were talking about your money, your life, and your future.
At Keystone Financial Services, we believe clients should understand everything that is happening with their money; that advisors should be just as good about explaining investments as they are at making them.
First, we’re going to get to know you and discuss what’s most important to you. We’re going to figure out your goals and the outcomes you’d like to achieve with this money. We’ll do this by establishing your Family Index Number, which is the rate of return needed on your investments in order to pursue those outcomes. After we determine your Family Index Number, we allocate your money to our various investment strategies designed to help you pursue those goals.
We work with a wide variety of clients – everyone from high net worth investors to those who are just starting out. While each family gets a personalized allocation strategy, we’ve helped thousands of families navigate their complex financial needs and guided them through life’s major decisions.
As your trusted advisor, we’re focused on adding convenience and simplicity to your lives. We will make sure you’re educated on your investments and how we manage your money – as much or as little information as you’d like.
Whether you’re investing hundreds or millions, at Keystone Financial Services we’re about much more than results – we’re about helping you understand where those results have come from and why the strategy works. If you’re tired of the mystery of investing and want to know exactly what’s happening with your money, schedule an appointment today.
Discover the right investment strategy for you.
Tell us a little more about your investment objectives and level of comfort with risk.
By what percentage do you expect your portfolio to grow
annually over the long-term (10+ years)?
Connect with an Advisor.
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Our financial planning services are built on trust, transparency and accountability.
Our experienced team of professionals will develop a personalized plan that gives you the power – and a path – to realize your dreams. Explore services
Fee Based Personal Financial Planning
Financial planning is at the core of the services we provide to individuals and families seeking to build, preserve and manage wealth over time. Learn More
Whether you are still working or have already retired, a sound strategy is critical to your overall financial plan. Learn more
Long-term care insurance can help families manage the financial impact of home health care, assisted living or nursing home expenses. Learn more
Preserving wealth from one generation to the next can be complex and time-consuming. Guidance from a competent, experienced advisor will help ensure your financial success is shared with your family, friends and any charitable organizations you designate. Learn more
You require attentive and effective asset management to optimize your investment strategy. We construct each investment portfolio after an analysis of your risk tolerance, investment objectives and retirement time frame. Learn more
Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of financial planning. Learn more
Whether you are paying higher education costs now or saving for the future, it is important to ensure that your education strategy is compatible with pursuing your retirement goals. Learn more
Legacy Planning &
Planning your legacy involves far more than financial considerations. Legacy planning often includes many non-monetary considerations that need to be documented or communicated to loved ones. Learn more
Personalized Wealth Management
Keystone Financial Services’ mission is to bridge the gap between knowing and doing in the financial lives of our clients. We are a top wealth management firm in Loveland, CO serving affluent families, business owners, executives and institutions. Our team provides a high level of service for our local and national clients in financial planning and investment management. Contact us today and let Keystone Financial Services help you on your True Wealth journey.
Disciplined investment strategies are the foundation of our investment management process. Our time-tested strategies are designed to meet a variety of investment goals and objectives.
Carson Institutional Alliance
Carson Institutional Alliance partners are growth-minded advisors wholly dedicated to helping clients reach a higher purpose for their wealth and design a lasting legacy for their families.
Based in Loveland, Colorado, Keystone Financial Services provides service for our local and national clients in financial planning and investment management. Contact us today to speak with a wealth advisor nearest you.
BlogMedicare 101: What You Need to Know
Published by Ben Goethel
An often overlooked aspect of financial planning is considering health insurance options. Health care costs continue to rise, and as you grow older the likelihood you’ll need those services increases. In households where both spouses are employed, it’s important to analyze the benefits of each spouse’s employer provided health insurance plans to make sure you’re not paying too much for health insurance. You should consider the monthly premiums, deductibles and maximum out-of-pockets while at the same time taking into consideration your current health and the likelihood you’ll need health care services in the next year. As retirement nears, it’s important to know your options for continued health care coverage, especially as your eligibility to participate in your former employer’s health insurance plan lapses as you leave employment.
One of your options is applying for Medicare, which is health insurance for people age 65 or older, people under age 65 with certain disabilities and people of any age with End-Stage Renal Disease. Medicare has four parts: (i) Part A – Hospital Insurance; (ii) Part B – Medical Insurance; (iii) Part C – Medicare Advantage; and (iv) Part D – Prescription Drug Coverage.
Part A helps cover inpatient care in hospitals, skilled nursing facility care, hospice care and home health care. Part B is an optional coverage that helps cover outpatient care, medically necessary doctor’s services and some home health services. While Part A and Part B are provided by Medicare, a Part C Medicare Advantage plan is offered by Medicare-approved private companies. You’ll receive Part A and Part B coverage from the Medicare Advantage Plan if you elect to go that route. Some Medicare Advantage plans include prescription drug coverage (Part D), while others do not. If you don’t have a Medicare Advantage Plan with Prescription drug coverage, or if you are enrolled in Part A and/or Part B through Medicare, it’s important to consider whether you will need to enroll in Part D.
Some people get Part A and Part B automatically:
- Those already receiving benefits from Social Security or the Railroad Retirement Board
- Those under age 65 and disabled
- Those with ALS (Amyotrophic Lateral Sclerosis, also called Lou Gehrig’s disease)
Some people must sign up for Part A and/or Part B:
- If you’re close to age 65, but not getting Social Security or RRB benefits
- If you have End-Stage Renal Disease and want Medicare
- If you live in Puerto Rico and want to sign up for Part B
You may enroll in Medicare during your initial enrollment period or annually during open enrollment. Your initial enrollment period is the seven-month period that begins three months before the month you turn 65, includes the month you turn 65 and ends three months after the month you turn 65. For example, if your birthday is October 15, 1952, you’d be able to sign up from July 2017 through January 2018.
You may also sign up for Medicare and/or make changes to your health and prescription drug coverage during Medicare’s open enrollment period, which is generally October 15 through December 7. Any changes you make during open enrollment will begin on January 1 of the following year. Knowing if you need to and when to sign up for Medicare is important, as a delay could cost you an enrollment penalty and/or your benefits may be delayed.
Medicare health and prescription drug plans can change each year, which is why it’s important to always review the materials your plan sends you. It’s also important to make sure your plan will still meet your needs for the following year as the approved providers, pharmacies, costs and coverage may change. The decisions you make regarding your health care coverage can play an important role in your overall financial plan. If you have general questions about Medicare enrollment and coverage options, contact your Wealth Advisor or a member of the Wealth Enhancement Group.
Monthly NewsletterSeptember Monthly Newsletter – Conflict Avoidance in Estate ...
An often overlooked aspect of estate planning is documenting how to distribute tangible personal property after death. Relatively speaking, it is much easier to divide financial assets among your beneficiaries. Read more
News3 Key Financial Events to Watch In 2017
Published By Brett Carson
Last year saw financial markets alternating between an uneasy calm and turbulence, with 2017 expecting much of the same. Developed markets are facing a paradigm shift as the U.K. initiates its exit from the European Union and the United States’ transition to the Trump administration brings political and policy risks to the fore. Read more
Do you know someone who has recently been dignosed with dementia or is currently living with this disease? Watching a loved one lose their independence, memories and financial well-being is very difficult. It’s important to know there are many resources and tools available to you. This infographic shares 10 ways you can help your loved ones financially prepare for the impact of dementia. Read more
Our goal is to make your life easier. Caring for a loved one with Alzheimer’s or dementia can be highly stressful for caregivers and family members. Providing answers on how to financially prepare for these conditions is one way we can help. Read this guide for tips on how to prepare for the physical, financial and emotional impact of Alzheimer’s or dementia.
Weekly Market Commentary
- Weekly Market Commentary September 18, 2017
Relief over hurricane Irma and renewed confidence in the economy pushed some stock indexes to new highs during the week. The S&P 500 soared 1.6% and the MSCI ACWI increased 1.2%. Both indexes hit new highs.The Bloomberg BarCap U.S. Aggregate Bond Index declined 0.5% on increasing risk that the central bank will raise rates one more time this year.