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Are Emotions Controlling Your Personal Finances?

Submitted by Keystone Financial Services on March 25th, 2015

If any good came out of the financial crisis and the Great Recession, it is that it made many of us become more financially literate and more aware of the need to pay attention to our finances. We now think before making purchases and we are better at prioritizing our expenditures.

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Your Wealth is Exposed without Personal Liability Coverage

Submitted by Keystone Financial Services on March 25th, 2015

You’re entertaining some friends at your house and everyone is having a marvelous time. Suddenly you hear a crash in the kitchen and you race to investigate. You find one of your friends laying flat on her back, unconscious.

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Life Insurance Advantages

Submitted by Keystone Financial Services on March 25th, 2015

The purchase of a life insurance policy will never make most peoples’ top ten list of favorite things to do. After all, there is a lot not to like in the whole process of buying life insurance. With hundreds of products from which to choose, it can be confusing. Insurance contracts can be complex and mind numbing. Some insurance agents can be annoying.

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Sequence of Returns Risk is the Real Threat to Your Retirement Plan

Submitted by Keystone Financial Services on March 25th, 2015

Even as the stock market works its way to new highs, retirement savers, still shell-shocked from the extreme volatility of recent years, are slow to wade back into equities. Smaller investors tend to ignore the history that shows that the market eventually rewards those who can withstand the fluctuations and stay the course through the various market cycles.

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What’s Your Whole Life Plan

Submitted by Keystone Financial Services on March 25th, 2015

In the ever changing landscape of life insurance products, there remains one stalwart that has changed very little since the first American life insurance companies emerged in the mid 1800s - the Whole Life plan.

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Can Blended Life Insurance Provide the Best Protection at Lowest Cost?

Submitted by Keystone Financial Services on March 25th, 2015

The good news is that life insurance rates continue to decline and people are buying more term life coverage than ever before. The bad news, is that many people are recognizing that the need for life insurance last a lot longer than most term policies. After the term policy expires, the cost to buy a new policy can get expensive.

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Will You Outlive Your Income? How to be Certain You Won’t

Submitted by Keystone Financial Services on March 25th, 2015

While our extended longevity should be greeted with gratitude for the possibility of enjoying a longer life with our grandchildren, many retirees are approaching it with trepidation, wondering if their hard earned assets will be sufficient to fulfill their vision of a good life for the rest of their life – however long it should last.

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Three Ways to Get More Done in a Day

Submitted by Keystone Financial Services on December 15th, 2014

You may have heard statistics or evidence that multitasking can actually make people less efficient. Actually, in many cases that’s true. Generally speaking, multitasking decreases the level of knowledge and understanding in a given task; and, sometimes it can lead to doing many things but not really accomplishing anything.

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How to Select the “Right” Financial Advisor

Submitted by Keystone Financial Services on December 15th, 2014

Choosing a financial advisor is tough. There are generally a lot of options so how do you differentiate the crème de la créme of advisors who you can really trust to manage your hard-earned money?

 

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5 Tips for Managing Financial Stress

Submitted by Keystone Financial Services on December 15th, 2014

Money is just one of those things that sometimes brings people as much pain as it does pleasure. As the economy in an up cycle of the recession, things are looking better but just the thought and uncertainty of an unstable economy is often enough to bring the fear back into people’s minds

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Securities offered by Registered Representatives through Private Client Services, Member FINRA/ SIPC. Advisory products and services offered by Investment Advisory Representatives through Keystone Financial Services, a Registered Investment Advisor. Private Client Services and Keystone Financial Services are unaffiliated entities.

Our Advisors are Securities Registered in the follow states: AZ,AR,CA,CO,FL,GA,ID,IL,IA,KS,MD,MS,MI,MN,MO,NE,NV,NY,NC,OR,PA,SC,SD,TN,TX,UT,VA

Our Advisors offer advisory products and services in the following states: AZ,AR,CA,CO,FL,GA,ID,IL,IA,KS,MD,MS,MI,MN,MO,NE,NV,NY,NC,OR,PA,SC,SD,TN,TX,UT,VA

 

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