Key Concerns Inc
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Key Concerns Inc. serves individual clients — including both non‑high‑net‑worth and high‑net‑worth individuals — as well as small business retirement plans, offering selection and monitoring of third‑party money managers, financial planning, and consulting services. The firm prepares a written Personal Investment Policy Statement (PIPS) for each client and assists with implementation through unaffiliated advisers.
Its investment process centers on matching a client’s PIPS to unaffiliated registered investment advisers based on account size, risk tolerance and investment philosophy, followed by ongoing due diligence and performance monitoring of the selected managers. Key Concerns does not provide discretionary portfolio management itself; instead it facilitates manager selection, coordinates reviews, and may recommend changes that the chosen manager implements.
Compared with peers, the firm’s structure is notable for its formal solicitor/referring role and fee‑sharing relationships with multiple third‑party advisory firms (the brochure lists six firms and notes the recent addition of USA Financial as a manager). The firm also combines advisory referral services with insurance activities — including licensed insurance agents and receipt of commissions on life, health and annuity products — while stating it does not have custody of or discretionary authority over client accounts.
Client services
Expertise
Fee options
Commissions on life insurance products, health insurance, and annuities per carrier terms
$100 to $150 per hour
Main office
440 Eureka, Suite B
Wyandotte MI 48192
Advisors at this office
2
Most active in
Michigan
Also doing business as
Key Concerns Inc · None
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Lawyer
They provide legal services, typically billed separately.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
Quick links
Advisors at this firm
Erin S
Series 65
Wyandotte, MI
Key Concerns Inc
Erin Shelton is a Series 65–licensed financial advisor with Key Concerns Inc in Wyandotte, MI, where she has worked since 2008. She has 15 years of industry experience. Outside of her advisory role, she is involved in the rare coin business through Farmington Valley Rare Coins and facilitates estate planning data gathering for Doyle Law PC. Key Concerns Inc serves individual clients and small business retirement plans by selecting and monitoring third-party money managers and providing financial planning and consulting. The firm matches clients to unaffiliated advisers based on personalized investment policies and performs ongoing due diligence without providing discretionary portfolio management itself.
Jennifer B
Series 65
Wyandotte, MI
Key Concerns Inc
Jennifer Brown is a financial advisor at Key Concerns Inc with 14 years of industry experience. She holds a Series 65 designation and has worked at Belpointe Asset Management, LLC since 2016 and Key Concerns, Inc. since 2011, as well as a brief tenure at Tuttle Wealth Management. Outside of advisory services, she is involved in tax preparation through Liberty Tax. Key Concerns Inc. serves individual clients and small business retirement plans by selecting and monitoring third-party money managers and providing financial planning and consulting services. The firm focuses on aligning clients’ Personal Investment Policy Statements with appropriate unaffiliated advisers and maintains a formal solicitor role with multiple third-party advisory firms.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)