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Our Process and Planning Priorities

A wealth strategy built around you.

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Every aspect of your financial life deserves a thoughtful strategy. At Key Private Bank, we begin by getting to know you — your goals, your family, and the future you're building. From there, we develop and continuously refine a plan that addresses everything from day-to-day liquidity to long-term legacy.
 

Our Three-Part Process

Understand

We start by getting to know you. Once we understand your purpose, we define the milestones that get you there. 

Advise

Together, we create a plan aligned to your long-term vision, with manageable steps and milestones to help you meet your targets.

Evolve

Your plan is as dynamic as your life. We proactively measure what matters, your milestones, moments, and shifting priorities — and adapt your strategy to keep pace with where you are today. 

Planning Priorities

Planning for the full scope of your financial life.

Essential Planning

Liquidity and cash flow.

We ensure your money is working efficiently with a focus on cash flow analysis, short-term liabilities, financial priorities, balance sheet, and credit utilization.

Family and lifestyle goals.

Life's biggest moments deserve thoughtful planning. Whether you're welcoming a child, supporting aging parents, or planning a milestone celebration or a major expense, we help you prepare for what matters most.

Retirement and income planning.

We map out a clear path from where you are today to the retirement you've envisioned — with wealth accumulation, cash flow projections, tax-efficient distribution, and income and healthcare planning built in.

Asset allocation and risk.

Our portfolios align to your risk tolerance and time horizon — strategizing for allocation, risk tolerance, asset and risk location and optimization, and tax-aware investing.

Advanced Planning

Wealth transfer and giving.

Structure a plan that honors your values, protects your estate, and ensures your wealth is transferred to the people and causes that matter most — with the right trust and charitable strategies in place.

Estate and asset protection.

We make sure the right protections are in place, from asset titling and beneficiary designations to executor selection and estate distribution, so your wishes are carried out as you intended.

Specialized planning.

We address complex financial decisions that extend beyond personal wealth — from business succession and executive compensation to tax strategy, stock options, and access to alternative investments.

Insurance protection.

First, we identify gaps in your financial safety net. Then, we can work with you to put the right coverage in place, with life insurance, disability, long-term care, liability, and umbrella options.

Start the Conversation

We'll listen first — then build your wealth and track your progress together.

Key Wealth, Key Private Client, Key Private Bank, Key Family Wealth, and KeyBank Institutional Advisors are brand names used by KeyBank National Association (KeyBank). Key Wealth and Key Private Client are also brand names used by Key Investment Services LLC  (KIS), member FINRA/SIPC and SEC-registered investment advisor.

Trust and certain investment management services are offered through KeyBank, a national bank with fiduciary powers. Brokerage and certain investment advisory services are offered through KIS. Insurance products are offered through KeyCorp Insurance Agency USA, Inc. (KIA) and underwritten by third party insurance carriers not affiliated with KIS. KBNA, KIS, and KIA are affiliates under the common control of KeyCorp. To learn more about KIS’s investment business, as well as our relationship with you, please review our KIS Disclosure page. Check the background of KIS on FINRA's BrokerCheck.

There are important differences between banking, brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties.

KeyBank, KIS and KIA are separate entities. Each entity separately supervises the sales and other activities of financial professionals providing access to its products and services.

KeyBank and its affiliates do not provide tax or legal advice. Individuals should consult their personal tax advisor or attorney before making any tax-related investment decisions.

The summaries, prices, quotes and/or statistics contained herein have been obtained from sources believed to be reliable but are not necessarily complete and cannot be guaranteed. They are provided for informational purposes only and are not intended to replace any confirmations or statements. Past performance does not guarantee future results.

Investing involves risk, including potential loss of principal amount invested. Past performance does not guarantee future results. Asset allocation and diversification do not guarantee returns or protect against losses.

Non-Deposit products are:

NOT FDIC INSURED • NOT BANK GUARANTEED • MAY LOSE VALUE • NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL OR STATE GOVERNMENT AGENCY