Advise. Serve. Grow.

Our focus is you and your Retirement Roadmap.

COVID-19 Update: We’re open!


Holistic Financial Planning for the Days Ahead in Retirement

Lifetime Income, Health Care, Tax Strategies, Investment Market Risk, Legacy Planning

Advise.

Our team of financial advisors create personalized written retirement plans (Retirement Roadmaps) using a variety of investment and insurance products. At KeyStone Financial, we help retirees and pre-retirees in the Eau Claire and River Falls areas confidently approach their financial needs and concerns through our holistic retirement planning process.

Prepare.

Investments

Wealth Management

Retirement Income Strategies

IRA/401(K) Rollovers

Fixed Deferred Equity Indexed Annuity

Protect.

Life Insurance

Medicare Planning

Tax-Efficient Strategies

Asset Protection Strategies

Long-Term Care Strategies

Provide.

IRA Legacy Planning

Serve.

Our goal is to serve our clients well throughout the retirement planning process— and not just with the financial aspect. However, we certainly do that to the best of our ability; financial advising requires a high level of trust, and we do not take that lightly.

KeyStone Financial Logo

As an independent financial firm located in Eau Claire and River Falls, we are not locked into one company’s products and services— unlike the major national financial firms. We have a wonderful relationship with all of our partners that help us deliver a wider range of products and services to our clients.

Since we have both investment and insurance licenses and have no broker dealer, we are able to focus on holistic retirement planning. This means that we are able to offer retirement plans that include a variety of products for retirees and pre-retirees in Eau Claire, River Falls, and the surrounding West Central Wisconsin area.

Grow.

As we advise and serve our clients, it is our hope that we are able to develop lifelong relationships that are rooted in trust.

Your financial needs and concerns are not black and white, so you deserve to have them addressed in a unique way. That’s why at KeyStone Financial, our focus is you.

You can schedule your no-obligation, complimentary consultation by calling 715-835-6022.

Join us at one of our upcoming complimentary workshops or seminars here.


Frequently Asked Questions

What makes you different from other financial firms?

Our clients bring in financial concerns as different and unique as each of their own fingerprints. No two situations are ever present in the same way. Therefore, our process is geared toward showing our clients various strategies that can help address their holistic retirement plan.

Traditionally, much of financial planning has been focused on:

  • Rate of return
  • Risk
  • Reward analysis

But here at KeyStone Financial, we focus on holistic financial planning through our Retirement Roadmap.

You can read more about the specifics of our Retirement Roadmap here.

Your Retirement Roadmap plan certainly incorporates traditional financial planning aspects, but it also looks at your financial situation in a different way that also considers your:

  • Lifetime Income
  • Health Care
  • Tax Strategies
  • Investment Market Risk
  • Legacy Planning

as part of your overall preparations for retirement.

The Retirement Roadmap review process may help identify potential problems within your existing retirement strategy. Sometimes, we find that our clients’ finances are not properly aligned with their financial goals and objectives for retirement.

Our financial planning can help you achieve a better understanding of your current financial situation so that you can make informed decisions about the savings and financial tools you may need for your unique situation.

If you have concerns about your future or the future of your loved ones, we can help you move toward the goals and objectives that help you feel more confident about your financial situation.

You can also take our quiz to see if you have a need for holistic retirement planning.

We believe that wealth portfolios must be managed with an adaptive management approach, which seeks to manage volatility and help minimize dramatic drawdowns.

Based on our clients’ risk tolerance and goals, we allocate their funds with a plan that is designed to help maximize expected return.

The quantitative strategies used are based on statistical analysis of historic performances (past economic environments and market conditions) and take into account the market’s constant change. Given both of these, strategies  should be applied to take advantage of changing risk or potential opportunities—which is exactly what we do at KeyStone Financial.

We don’t charge you past a generic fee (in other words, you don’t pay us for our services). The fee you pay is based on two factors:

  1. The size of your portfolio
  2. The types of strategies used (every strategy is different)

Here at KeyStone Financial, we have two licensed financial advisors, Pat Couture and Kia Xiong-Yang:

Pat and Kia each hold a Series 65 securities license, in addition to a life and health insurance license.

Kia is also a licensed insurance agent specializing in Medicare supplements and plans.


Also a part of the advising team are Fred Lewis and Blia Yang:

Fred holds his licenses as a chartered life underwriter (CLU), a chartered financial consultant (ChFC), and as a life underwriter training council fellow (LUTCF).

Blia, much like Kia, is a licensed insurance agent specializing in Medicare supplements.

Read more about our four advisors here.

As a financial firm that specializes in retirement planning, we work with pre-retirees and retired individuals/couples.  The ages of our clients range from ages 55-70 who have nest eggs, although we do have a handful of clients who we work with because they were able to retire earlier than most due to their financial situation.

We meet with our clients on an annual basis, or as often as the client requests meetings/reviews, as well as monthly email updates from our office.

Additionally, we have annual events that bring our staff and clients together. Examples of previous events can be found here.

What does your written retirement plan include? Does it cover:

Lifetime Income for Financial Planning in Retirement

Lifetime Income – A contract that allows you to save a portion of your retirement savings into a predictable lifetime income stream. This includes:

  • Social Security maximization
  • Inflation plan
  • Fixed deferred equity indexed annuities
  • Spousal plan
  • Longevity protection
Health Care and Medicare Planning for Retirement

Health Care – How you will pay for your trips to the doctor’s office, prescriptions, unexpected hospital stays and diagnoses. In addition, a plan for the long-term care you may need later in life. This includes:

  • Looking at all aspects of Medicare (Parts A, B, C, and D)
  • Analyzing options for long-term care planning
Tax Strategies for Financial Planning in Retirement

Tax Strategies – A plan for potentially reducing the amount owed by strategically taking advantage of deductions, exemptions, and tax credits. This includes:

  • Assessing the taxable nature of your current holdings
  • Stretch IRA planning
  • Strategizing ways to include tax-deferred or tax-free money in your plan
  • Strategizing which tax category to draw income from first to help reduce tax burden
  • Leveraging your qualified money to potentially leave tax-free dollars to your beneficiaries

We can also refer you to trusted professionals who provide the following services:

  • Trusts
  • Probate
  • Charitable giving
  • Estate Planning
Investment Market Risk for Financial Planning in Retirement

Investment Market Risk – A plan for potential volatility in an uncertain market. Focuses on growth and considers risk tolerance that is appropriate for your financial strategy. This includes: 

  • Adjusting your portfolio to potentially reduce fees
  • Evaluate ways to reduce risk while still accomplishing your goals
Legacy Planning for Retirement

Legacy – A financial strategy that helps prepare how and where your wealth will be upon your passing. This includes:

  • Ways to help maximize your estate and income-tax planning opportunities
  • Ways to protect your IRA and qualified accounts form being fully taxable to your beneficiaries upon your death


Recent Blog Posts

Federal Legislative and Administrative Rules Update

If you received a stimulus check last spring to help cope with the financial effects of the COVID-19 virus on your household, there’s something you should know. Those funds are technically an advance rebate of a special 2020 tax credit. Many taxpayers will be able to reconcile that rebate on their 2020 return to equal… Read More

Americans and Their 401(k)s

A recent survey found that working households experiencing financial strain due to the pandemic have not been inclined to make withdrawals from their 401(k)s to help make ends meet. In fact, the vast majority haven’t even changed their rate of contributions. Instead, these households are relying on the “old standbys” of surviving during economic decline:… Read More

Financial Advising During a Pandemic

The pandemic has been hard on nearly everyone, and it’s particularly difficult for professionals who normally meet with clients in an office setting. Fortunately, financial advisors have been able to adapt to this “new normal.” Our goal is to be our clients’ trusted advisors. Once that relationship is established, we can work with clients by… Read More

Subscribe to Our Newsletter

A monthly newsletter that covers everything from retirement tips & ticks to financial advice

Processing…
Success! You're on the list.

Radio Show

Listen to our financial advisors weekly on WWIB 103.7, or listen to our previously recorded shows here.