logo_white.png

It’s Right Here Waiting for You

“If you don’t know where you’re going, any road will take you there.”- George Harrison

THE KEYSTONE 
PROCESS

We utilize the Bucket Plan® Best Interest Process, an approach designed to reduce risk and help clients reach their immediate, short-term and long-term goals. The Bucket Plan can be utilized based on your specific needs, no matter what life stage you’re in. Your personalized Bucket Plan includes: 

BUCKET 1
THE “NOW” BUCKET

Have an emergency or large planned purchase? Those funds will probably come from your “Now” bucket, which holds money that is safe, secure and accessible when you need it.

BUCKET 2
THE “SOON” BUCKET

One key to a secure financial future is preserving the money you’ve worked hard to earn. Since this money is invested in the future, money in the “Soon” bucket is invested conservatively, allowing it to grow but protecting it from large downward swings.

BUCKET 3
THE “LATER” BUCKET

Your retirement could last 20 or 30 years, and you’ll need the money to last as long as you do! The “Later” bucket is designed for providing income in your later years. It can also be used to provide for your loved ones as part of your legacy.

KEYSTONE FINANCIAL PLANNING

2405 Anderson Highway, Suite A | Powhatan, VA 23139

julie.manning@keystoneplanner.com            (804-376-7544

  • LinkedIn - Grey Circle

© 2019 Keystone Financial Planning. All Rights Reserved

Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. PCA and its representatives are in compliance with the current registration requirements imposed upon registered investment advisers by those states in which PCA maintains clients. PCA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. This brochure is limited to the dissemination of general information pertaining to its investment advisory/management services. Any subsequent, direct communication by PCA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Keystone Financial Planning and PCA are separate, non-affiliated entities. PCA does not provide tax or legal advice. Insurance and Tax Services offered through Keystone Financial Planning are not affiliated with PCA.  For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site www.adviserinfo.sec.gov. For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money. The Retirement Income Certified Professional (RICP®) certification is a professional designation provided by The American College of Financial Services, Bryn Mawr, PA.  To receive the designation, the individual must complete a minimum of three college-level courses which cover information such as retirement income planning, retirement portfolio management techniques and mitigation of plan risks to the proper uses of annuities, employer sponsored benefits, and determining the best Social Security claiming age.  In addition, the individual must pass an examination, have three years of financial services experience and adhere to the American College’s Code of Ethics. The American College can disallow use of the RICP® if advisors do not adhere to the program’s ethical standards, continuing education, and other requirements.