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Here is Where It Seems So Clear

“Let Your Heart Illuminate the Path Before You.”

OUR GUIDING PRINCIPLES

We believe that it’s our job to be more than just your advisor. We must also be your cheerleader, confidant, and guide on your journey to retirement. Sometimes the path will be smooth, and sometimes you’ll run into obstacles along the way. It’s our job to help you navigate the unexpected twists and turns of life and keep you on the right path. 

 

Our planning process is led by these primary principles:

 

  • Patience and discipline are key for getting you to
    your goals.

    It can be difficult to stay the course when markets are moving up and down and taking your money along for the ride. We’ll be your touchstone during times of uncertainty, working with you to make intentional decisions that aren’t based on emotions and keeping you focused on your long-term picture.

     

  • We’ll never put all your eggs in one bucket.
    We utilize the Bucket Plan as part of our process, putting your assets into the right “buckets” to achieve immediate, short-term and long-term goals.

     

  • You’re investing for the long-term.
    Retirement planning isn’t just a one-and-done event. Once its implemented, your plan will take time to start working for you. We’ll review your plan regularly, making adjustments when your goals change or life happens.

     

  • We can’t predict the future.
    None of us can guess what the markets will do as you get closer to retirement. We also can’t predict how long your live or what circumstances you might face. What we can do is prepare for potential scenarios, incorporating planning techniques that call for consistent, strategic investing.

     

  • You deserve an advisor who gives you more.
    We believe in honest, open communication with our clients. When you understand your finances and how they fit into the bigger picture, you make better decisions for yourself. As an independent firm, every decision we make is based on what’s best for you.

WHO WE
WORK WITH

While we work with a diverse group of people, many of them share the same fears and questions: Will I outlive my money? What happens if I get sick? How will my life change if my spouse dies early? 

Our clients are seeking a confident retirement, knowing that they can live worry-free in their later years. They want a plan that ensures they have predictable income, provided by a financial professional who gives honest, trustworthy advice. 

Most of the hard-working people we work with come from Richmond and the surrounding areas. They are usually over the age of 50, people who are starting to think about retirement and what the next few years will bring. We also provide customized services designed for women who are widowed, divorced or single through the innovative Woman’s Worth® program.

We understand the emotional and even the physical health issues that women face when dealing with finances. And we can help. Because ladies, it’s not just about the money! It’s about Total Well Being! 

 

Our range of comprehensive services is offered in the context of each unique, individual woman we serve. Sometimes you need just the facts. Sometimes you’ll want someone to rejoice with. And sometimes you may need a shoulder to cry on. You will find all that and more at Woman’s Worth®.

 

We invite you to explore the services described on this site and make use of the information we offer. But most importantly, just know that we’re here. We can give you a renewed outlook on the life of the complete woman: mind, body, soul—and pocketbook. Your Financial Independence Awaits®.

 

We understand the issues women face, whether you are single, married, divorced or widowed. Women today manage 62 percent of all wealth. Surprised? Managing it well and managing it appropriately is more important than ever. The services we offer focus on:
 

  • Creation and growth of wealth

  • Reducing risk to life savings

  • Lifetime income planning

  • Integrated Retirement Lifestyle Protection Planning®

  • Estate and legal planning for you and your heirs

  • Reducing tax liability

  • Healthcare, Medicare and Medicaid planning

  • Most of all, building financial independence

 

Good financial health and peace of mind can lead to good physical and emotional health. Uncertainty and doubt can have the opposite effect. That’s why we focus on the complete woman - her finances, her outlook, her physical health and her frame of mind.

 

We often work with divorced and widowed women. In difficult situations like this, it’s comforting to know that we are here for more than dollars-and-cents planning. We’re never too busy to hold your hand and share your tears.

 

Understanding women and their needs is what makes Woman’s Worth® such a valuable friend and resource for so many women.

 

  • We understand that you want to maintain your lifestyle in retirement, yet plan for the financial health of your heirs.

  • We understand that it’s essential to plan for life’s unexpected emergencies—the new roof, the unexpected hospital stay, the need for a nursing home, and more.

  • We understand that women are living into their nineties and hundreds—and how to plan for it.

  • We understand the dangers women often face in falling for any of the thousands of outrageous scams of the world, and we can help you avoid them.

  • We understand that sometimes, you just need someone to be there. That’s us! And we’re ready to listen.

  • We understand how our voices have not been heard in the financial services industry and they don’t speak our language.

WOMAN'S WORTH®
 
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We do so much more than manage money.
At Keystone Financial Planning, we look at your total life

situation and not just your money to ensure your wealth achieves

what matters most to you - for now and in the future.