Key Financial Helps Individuals Planning For Retirement & Smart Investing In West Chester PA

www.keyfinancialinc.com

Key Financial provides financial planning and investment services to investors in and around West Chester, Pennsylvania. The firm is headed by one of America´s Top 1000 Independent Financial Advisors, Patti Brennan*. Patti who has over 20 years of industry experience advises individuals from all types of backgrounds. Whether it is newly weds just starting to save and invest to corporate executives running some of America´s largest corporations. Patti has the experience and tools to meet the needs of a diverse clientele.

Key Financial offers a unique value proposition because it provides more than a client expects for a much lower cost. The value proposition also lies in Key´s process and client centered focus. For starters, every client receives a comprehensive financial plan to begin the relationship. After the initial consultation, Patti and her staff go to work reviewing every aspect of the client´s financial condition. Upon completion, a client will receive a binder sized financial plan evaluating cash flow, net worth, investments, insurance, college savings, employer benefit plans, retirement planning and much more.

These plans are more than just numbers; they include detailed analysis with action steps and recommendations tailored for each client. Plans are laid out in a no-nonsense style that provides clear analysis without all the financial jargon. The results are communicated to each client on a one-to-one basis during subsequent meetings. This process leaves the client well informed providing the confidence to make important decisions.

One of the distinguishing features at Key Financial is the implementation of a scenario based planning approach. Each scenario models a specific set of circumstances and outcomes for a potential client. The guiding principal behind such an approach is a necessity to evaluate options. A conventional financial plan plugs in one set of assumptions, which by consequence yields a singular outcome. This is all well and good, but life experience and market history tell us that change is an inevitable constant. Interest rates rise and fall, markets oscillate back and forth, college tuition goes up, medical costs go up, and incomes go up and down. The possibilities are endless, but this stresses the advantage to adapting a scenario based approach because it allows clients to evaluate opportunities.

One of the more important aspects to successfully executing any financial plan is to monitor and update your progress. A financial plan is only as good as the data used to create it. As time passes, inputs and assumptions become obsolete because they represent a snap shot in time. As your situation evolves, your plan must evolve and the only way to do that is with regular updates. If you are still working and saving for retirement, making sure you are on the right path is important. Here are a few ingredients to help you implement a more successful retirement plan:

Elements of a Successful Retirement Planning:

1. Meet with a planner and get a financial plan.

2. Request a plan provides more than one scenario

-Examples: Different rates of return, higher income / lower income, higher expenses / low expenses, higher inflation or increased tax environment, etc.

3. Monitor progress against the plan and update inputs (as necessary) as changes occur (new job, salary increases, etc).

4. Stay disciplined.

No matter what your situation, getting a financial plan and running various scenarios can potentially open your eyes to new possibilities.

Citations:

• "Barron´s TOP 100 Women Financial Advisors In the Nation" (July 2008 & July 2007, July 2006 *The Winner´s Circle Awards).

• "The Top 1000 Financial Advisors in America" (*Barron´s, February 2009)

• "One of America´s Top 100 Independent Advisors", (*Fortune, March 2008, Registered Rep, Nov. 2007)

• "One of the 50 Most Influential Women in Wealth Management".

(*Wealth Manager Magazine, April 2008)

• "The Top Wealth Advisors" #2 in the Greater Philadelphia Area – Patricia C. Brennan CFP® (Philadelphia Business Journal, October 2008

Disclosure:

The views expressed are not necessarily the opinion of Royal Alliance Associates Inc. Investors should note that there are risks inherent in all investments, such as fluctuations in investment principal. No investment strategy can guarantee a profit or protect against loss. Individual situations will vary.

These rankings and awards may not be indicative of future performance. Working with a highly ranked adviser does not ensure that a client or prospective client will experience a certain level of performance or results. These rankings should not be construed as an endorsement of the adviser by any client nor are they representative of any one client's evaluation.

Candidates for The Philadelphia Business Journal and Barron´s™ Magazine were determined by The Winners™ Circle. Candidates were valued on criteria such as assets under management, revenues, experience, and record of regulatory compliance and complaints. Candidates were further vetted based on in-depth interviews and discussions with management, peers and customers, as well as professional achievements and community involvement. The Winners™ Circle does not receive compensation from participating firms or their affiliates, financial advisers or the media in exchange for rankings. In addition to the criteria used for the Barron´s™ Article and Philadelphia Business Journal, Wealth Manager Magazine takes into consideration service to industry organizations and mentoring to others. Assets under management were used to determine rankings for Fortune. Third-party rankings from rating services or publications are no guarantee of future investment success."

Securities and Advisory Services Offered through Royal Alliance Associates, Inc. Member FINRA/SIPC.

Advisory services offered through Key Financial, Inc.

A Registered Investment Advisor not affiliated with Royal Alliance.

1560 McDaniel Drive, West Chester, PA 19380

E-mail: pbrennan@keyfinancialinc.com, Phone: 610-429-9050

For more information, please visit www.keyfinancialinc.com.