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“A New Standard in Wealth Management”
At Keystone Retirement Resources clients come first!
Our approach to delivering comprehensive financial services always starts and ends with you, our clients. We begin this process by listening to you and discussing your lifestyles, goals, wishes, dreams and family situations. Through a consultative process we then learn the details of your financial picture so we can construct and deliver a customized plan along with your personal Financial Action Checklist. Our experienced team of professionals fully evaluates your situation to prepare personal solutions that integrate investment planning, tax reduction planning, retirement income and distribution planning, and family wealth planning.
We then schedule to meet with you on a regular basis to discuss and update your financial situation. We pride ourselves in our constant calendars of client services and regular client communications to keep you informed of economic news and appropriate tax law and estate planning rule updates. As we said earlier, at Keystone Retirement Resources, clients come first!
Investment “Watch Dog” Service
Reviewing your investments and designing a personalized portfolio appropriate to
your needs Continual monitoring of your investments
Frequent meetings to: review and evaluate your investment performance, update
your financial objectives and, if necessary, reallocate your portfolio
Independent Advice
Recommendations regarding allocations within your employer provided retirement
plans such as 401(k)s
Aggregation of all your accounts to simplify and reduce paperwork
Some of the ways we differ from other firms include:
Our strong menu of Gold Medal Services which include a comprehensive review of: your tax reduction strategies; estate plans; investment plans;
retirement plans; and, protection plans.
Our frequent and regularly scheduled meetings with clients to update your specific plans and discuss your personal situations.
Our frequent schedule of client educational and appreciation events.
Our strong and consistent calendar of high quality newsletters, tax reports, and other reports and articles.
Our frequent schedule of client educational and appreciation events.
Tax Reduction Planning
Comprehensive review of your tax return to highlight opportunities to help
maximize tax reduction strategies
Recommendations of tax solutions including tax advantaged investments
Staying up-to-date on and presenting new tax laws that can affect your situation
Retirement Income & Distribution Planning
Analysis of potential estate tax liabilities
Continual development and implementation of recommendations to fund your
income needs and help maintain a comfortable standard of living
Recommendations regarding the most appropriate distribution strategy for your
employer retirement plans & IRAs
Retirement Income & Distribution Planning
Analysis of the beneficiaries of your IRAs
Review the possibilities of converting to a Roth IRA
Family Wealth Planning
Analysis of your current estate plan and concerns
Family Wealth Planning
Complimentary consultation with your attorney
Assistance in transferring assets to your Living Trust or other trusts
Providing guidance with the appropriate and necessary steps in the event of the
death of a loved one
Review of beneficiary designations
Client Services & Communications
Newsletter to keep you apprised of the most current planning options
Tri-annual, semi-annual or annual reviews
Special reports on how to help reduce your taxes and other important topics
Special Gold Medal Service Events (including client education and appreciation events)
Our mission is to provide principal preservation of your portfolio while distributing income and maximizing growth.
We believe a holistic approach is essential to your financial success. That is why we do not make any investment decisions until first considering the following:
ESTATE PLANNING to pass on what you want, to whom you desire
TAX PLANNING to maximize net income
INVESTMENT PLANNING to minimize risk and maximize reward as it is most suitable
RETIREMENT INCOME PLANNING to maximize desired income consistent with other objectives
RISK MANAGEMENT Protection of your assets
Facing retirement can be overwhelming, but we are committed to understanding your unique needs as investors. Beginning each process by listening to you and your concerns equips us to service you in the most appropriate way. With our objective understanding of the financial world and our extensive experience, we are committed to providing you with honest communication and personal service. We hold ourselves to the highest standards of business integrity and our principles define our character and guide us to honor and respect the personal ideals and beliefs of each client we serve.
The Keystone Difference
We regularly engage in due diligence investigations to keep up with the evolving financial markets; as avid learners, we participate in professional mentor groups to stay informed. We emphasize open and honest dialogue, embrace the latest technology, and find new ways to provide greater value. We strive to maintain the highest degree of integrity, through our commitment to fulfilling our role as your trusted advisor – always putting your needs first.
570.489.4504
rpaull@keystoneretirement.com
President and Financial Advisor, AIF®
Ronald F. Paull III
Ron has served in the financial industry since 1996. He is a graduate of Summit University (formerly Baptist Bible College), and he served in the Army Reserves for 6 years. Ron is a Registered Representative with Cambridge Investment Research, Inc. and a Financial Advisor with Cambridge Investment Research Advisors, Inc. He holds a Series 7 (General Securities Representative), and Series 63 (Uniform Securities Agent State Law Exam) registrations through Cambridge, along with his Life, Health, Accident and Annuities insurance licenses. Ron specializes in retirement planning and asset management. Personally, Ron has been married to his wife Becky since 1994 and together they have six daughters.
570.489.4504 | Ext. 3
sgoldyn@keystoneretirement.com
Stephanie Goldyn
Executive Assistant
Stephanie is vital to all regular operations, and ensures account activity satisfies client and advisory determinations. She holds Life, Health, Accident and Annuities insurance licenses, and is a certified notary. Stephanie is an active account manager and is also prepared to assist clients with all of their account servicing needs. Feel free to contact her if you have any questions or need assistance.
Ronald F. Paull III
Stephanie Goldyn
Fact-Based Investing
Here are three major characteristics of Fact-Based Investing:
- First, and most importantly, there are no predictions in Fact-Based Investing. We go by ‘what is’, and not from the prediction-oriented ‘what might be.’
- Second, Fact-Based Investing makes no assumptions about Market ‘efficiency’ or rationality. Fact-Based Investing embraces the reality of inefficient, irrational Markets, and tries to use those characteristics to our advantage.
- Third, Fact-Based Investing does not remain fully-invested regardless of Bear Market circumstances.
We zero in on measurements that reflect the continuous tug-of-war between supply and demand. We believe that every single tick in the market - and every trend - results from imbalances in supply and demand. After all, if there were no imbalances of supply and demand, prices wouldn't budge at all! And longer-running trends are, in our view, driven by longer-term imbalances in supply and demand.
Our implementation of a Fact-Based Strategy requires just two kinds of tools to identify:
- Bull and Bear trends; and
- high-performance portfolio candidates.
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Here is the purpose of our primary tool for identifying major trends, it's called the Bull-Bear Indicator:
The Bull-Bear Indicator determines when a new Bull Market or a new Bear Market has emerged. Once again, this is a measurement of ‘what is’, with no predictions or academic theories involved. Our goal is to be defensive and protected in Bear Markets, and to be fully-invested during Bull Markets.
The second tool of our Fact-Based Strategy seeks to identify high-performance portfolio candidates:
Momentum, relative strength, rate-of-change, nearness-to-52-week-highs, and other measurements of performance characteristics, are all combined to produce rankings of portfolio candidates.
High-performers are selected, low-performers are discarded, and the whole process is repeated at regular intervals, usually quarterly. This process of continuous self-renewal is intended to capture the benefits of long-term winners, without being dragged-down by the unnecessary inclusion of under-performers!
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Combining these two tools gives us a simple-yet-complete strategy, providing guidance on when to be defensive and when to be offensive and, when we are offensive, how to construct high-performance portfolios.
Fact-Based Investing, concentrating on the ‘what is’ of Market supply and demand, rejects the ‘what might be’ of Prediction-Based Investing and the ‘what ought to be’ of Theory-Based Investing.
By combining trend identification and high-performance portfolio selection, our Fact-Based Investing strategy gives us what we believe to be the best chance of achieving our twin goals:
- To prosper in Bull Markets, and
- To be protected in Bear Markets
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We will always take the time to do what is in the best interest of our clients. To accomplish this we schedule regular meetings with our clients, hold educational events and provide a sincere, caring attitude towards every client.
Thorough, Responsive, Interactive
We place a high value on getting to know you on a personal level and welcoming you as a member of our family. From our initial meeting together, we work closely with you as we create and maintain a customized plan aligned with your objectives.
DISCOVER:
By completing a confidential profile, you enable us to gain a better understanding of your needs.
ASSESS:
Once we make a detailed analysis of your finances, we then determine how to establish suitable long-term financial goals.
IMPLEMENT:
After careful consideration, we decide the best approach to take and we put your personalized plan into action.
MONITOR:
We maintain consistent contact with you as we carefully observe your portfolio and make any necessary adjustments.
Through centers of influence with our network of attorneys and accountants, we work with outside professionals across disciplines and build relationships with industry experts to help our clients gain access to comprehensive retirement resources.
Outside providers of professional services are neither affiliated with nor endorsed by Keystone Retirement Resources or Cambridge Investment Research Advisors, Inc.
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Ph: 570.489.4504 | Fax: 570.521.4523
Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/ SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Keystone Retirement Resources, Inc. are not affiliated.
The Cambridge Investment Research Representative associated with this website may discuss and/or transact securities business only with residents of the following states:
AK, FL, IL, NC, NJ, NY, PA, SC, TX
©Copyright 2020, Keystone Retirement Resources