Financial Planning Experience / Key Financial Services

Experience

Our professionals provide individuals, families and businesses with insurance, financial planning, investment management and retirement income strategies that align with each client’s unique needs, goals and visions. Our financial recommendations are actionable, backed by a broad range of product offerings to suit various life stages and situations.

Accumulate Assets

Asset accumulation is the first piece of our integral three piece puzzle. Understanding how to best grow your assets, along with maximization of benefits, is key to a successful financial future. At Key Financial Services, we help you to best accrue these assets through different options.

Accumulation does not only cover personal savings of funds. We encompass company sponsored plans - pensions, 401(k)s, 403(b)s, etc.-, life insurance, annuities, as well as managed platforms into this puzzle piece.

We help tailor each client's unique situation into a plan that works for them.

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Help Protect Assets

Piece two of our puzzle is protection. We strive to put a road map in place to help client's prepare for twists and turns that may lie ahead. Helping protect hard earned assets is vital.

The obvious way to protect is to reduce or guard against market risk and loss, however this piece covers so much more. Our goal is to look ahead at possibilities such as dying too soon, living too long, or long term illness/injury which can all affect a financial plan and to help mitigate the consequences.

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Distribute Assets

The final piece of our puzzle that we assist our clients with is distribution of assets. The change from vocational income to passive income can be challenging, and we want to help ensure our clients have the finances they need to be able to enjoy their latter years.

Distribution can generate income needs from investments such as pensions, IRA's, 401(k)s, or 403(b)s. Additionally, social security plays a role into income needs during retirement.

A comprehensive plan for how to best dispense assets when considering tax consequences, as well as next generation legacy, is our focus. Let Key Financial Services help you.

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Request more information!

Send us an email and let's set your consultation!

9928 Old Ocean City Blvd.,
Suite 2
Berlin, Maryland 21811

Phone: 410-629-0357
Fax: 410-629-0577

* Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Key Financial Services and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Key Financial Services and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any references to protection benefits or lifetime income generally refer to fixed insurance products. They do not refer, in any way to securities or investment advisory products or services. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc.

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