Keystone Advisory Solutions

We are a team of financial professionals dedicated to providing our clients with world-class advice and service, as they face daily decisions about today and tomorrow.  We are passionate about helping individuals, families, and small business owners experience a unique, consultative planning process, designed to ensure they are prepared for all of life’s most meaningful moments!  Insurance to protect what is most important…investments to build for the future.  Simply put, we strive to be our client’s trusted advisor. As a financial advisory firm, our primary focus is to provide unbiased opinions that are designed to achieve long term protection and investment results.

 

We are a team of local financial professionals dedicated to providing our clients with world-class advice and service as they face daily decisions about today and tomorrow. We are passionate about assisting individuals, families, and small business owners as they plan and prepare for all of life’s most meaningful moments…saving for their retirement years, protecting a mortgage, or helping small business owners with business succession needs. We specialize in Life Insurance Solutions that provide LIVING BENEFITS, not just traditional death benefit coverage. Insurance you don’t have to Die to use. Our Retirement Solutions include Income Streams you cannot outlive! We are a neighborhood, boutique style Advisory Firm, providing unbiased opinions, utilizing our network of financial companies. All our efforts are designed to help you achieve your protection and income needs.

 

Products & Services

Wealth Accumulation Planning

Does the thought of saving money for your future needs excite you, or does it bring on a bad case of heartburn and anxiety? Have you begun saving for your first home purchase or to build your dream home? How do you feel about the astronomically rising costs of a college education for your children and how best to plan for that day? Have you reached the age where you have raised your children and now it is time to begin a serious savings plan for your own retirement? Here are some key considerations and how we can help you build a sound plan:

  • Investment Objectives/Goals – clear understanding of what it is you want to accomplish
  • Time Horizon – the length of time before your plan must payoff for you
  • Risk Tolerance – how aggressive or conservative your plan should be
  • Investment Choice – the financial products are you are most comfortable with
  • Taxation – the impact of taxes on each of the asset classes in your chosen portfolio
  • Other Considerations – things that could derail your plan, job changes, health issues 

Insurance Planning

Insurance is essential to any comprehensive financial security plan. If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship.

  • Protection that provides Chronic, Critical, and Terminal illness coverage
  • Income Replacement for surviving loved ones
  • Impact of inflation and Taxes
  • Debt Liquidation
  • How much Protection to carry
  • Policy Rescue

Business Succession Planning

The death of a partner or major stockholder in a business can have devastating effects on both the business and the deceased partner’s surviving family.  The business is concerned with gaining control of the deceased partner’s interest at a fair price so that it can continue operations without in.

  • Impact of premature death of a partner(s)
  • How will your heirs Fair Market Value of your share of the business
  • Will you be forced to go into business with your Partners’ spouse

Retirement Planning

Retirement planning today has taken on many new dimensions that never had to be considered by earlier generations.  For one, people are living longer.

  • How to budget for retirement
  • How to create Guaranteed Income
  • How much Income will you need
  • Should you rollover your 401-K or IRA
  • How much Risk can you tolerate
  • When to take your Social Security
  • Understanding Medicare

For more information on these topics and more, click on the links below

Our Leadership Team

Charles Kelly, Jr., CLF

Charles Kelly, Jr., CLF

Founder and CEO
Ross T. Marshall

Ross T. Marshall

Associate Partner
Richard H. Owens

Richard H. Owens

Associate Partner
Brian Dickerson

Brian Dickerson

Senior Advisor
Jon Grubbs

Jon Grubbs

Senior Advisor

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