Key Financial, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$2,815,551,491
Clients
1,409
Advisors
9
of 36 employees
About
Key Financial, Inc. provides comprehensive financial planning and both discretionary and non‑discretionary portfolio management for individuals (including high‑net‑worth clients), pension and profit‑sharing plans, trusts, estates, 401(k) sponsors, charitable organizations and other business entities. The firm delivers an initial Phase One financial plan and an ongoing Phase Two advisory relationship (KAS Accounts) and also offers retirement plan services and trust referrals through Pershing’s Trust Network.
KFI’s investment approach emphasizes long‑term, asset‑allocation-driven portfolios grounded in Modern Portfolio Theory, implemented principally with diversified mutual funds and ETFs and a buy‑and‑hold philosophy. The firm combines planning and portfolio monitoring, using its KAS discretionary accounts custodied at Pershing/Osaic Wealth, eMoney account aggregation, and selected AI tools to review and rebalance client allocations while explicitly treating cash as an asset class.
Notable differences from many peers include that some KFI representatives operate in dual roles as registered representatives of Osaic Wealth and may implement recommendations on a commission basis (including potential 12b‑1 and insurance commissions), a conflict the firm discloses. KFI also conducts educational seminars and client events (sometimes supported by mutual fund or annuity sponsors), provides ERISA trustee and participant‑directed retirement plan services, and documents policies and risks related to clients borrowing against custodial assets (pledged‑asset loans).
Client services
Expertise
Fee options
Fixed fees for comprehensive initial financial planning (Phase One), estimated during initial meeting; also fixed fee retainers for monitoring outside accounts ranging from $625 to $8,000 quarterly
$100,000 - $250,000: 1.50% annually (0.375% quarterly) for discretionary KAS Accounts $250,001 - $500,000: 1.20% annually (0.30% quarterly) for discretionary KAS Accounts $500,001 - $1,000,000: 1.00% annually (0.25% quarterly) for discretionary KAS Accounts $1,000,001 - $1,500,000: 0.90% annually (0.225% quarterly) for discretionary KAS Accounts $1,500,001 - $2,000,000: 0.85% annually (0.2125% quarterly) for discretionary KAS Accounts $2,000,001 - $2,500,000: 0.75% annually (0.1875% quarterly) for discretionary KAS Accounts $2,500,001 - $5,000,000: 0.65% annually (0.1625% quarterly) for discretionary KAS Accounts $5,000,001+: 0.50% annually (0.125% quarterly) for discretionary KAS Accounts $100,000 - $250,000: 1.75% annually (0.4375% quarterly) for non-discretionary KAS Accounts $250,001 - $500,000: 1.45% annually (0.3625% quarterly) for non-discretionary KAS Accounts $500,001 - $1,000,000: 1.25% annually (0.3125% quarterly) for non-discretionary KAS Accounts $1,000,001 - $1,500,000: 1.15% annually (0.2875% quarterly) for non-discretionary KAS Accounts $1,500,001 - $2,000,000: 1.10% annually (0.2625% quarterly) for non-discretionary KAS Accounts $2,000,001 - $2,500,000: 1.00% annually (0.25% quarterly) for non-discretionary KAS Accounts $2,500,001 - $5,000,000: 0.90% annually (0.225% quarterly) for non-discretionary KAS Accounts $5,000,001+: 0.75% annually (0.1875% quarterly) for non-discretionary KAS Accounts $100,000 - $250,000: 1.50% annually (0.375% quarterly) for Advisor Managed Portfolio Service $250,001 - $500,000: 1.20% annually (0.300% quarterly) for Advisor Managed Portfolio Service $500,001 - $1,000,000: 1.00% annually (0.25% quarterly) for Advisor Managed Portfolio Service $1,000,001 - $1,500,000: 0.90% annually (0.225% quarterly) for Advisor Managed Portfolio Service $1,500,001 - $2,000,000: 0.85% annually (0.2125% quarterly) for Advisor Managed Portfolio Service $2,000,001 - $2,500,000: 0.75% annually (0.1875% quarterly) for Advisor Managed Portfolio Service $2,500,001 - $5,000,000: 0.65% annually (0.1625% quarterly) for Advisor Managed Portfolio Service $5,000,001+: 0.50% annually (0.125% quarterly) for Advisor Managed Portfolio Service $0+: 0.333% annually (1/3 of 1%) for Grandfathered Fiduciary Services Accounts (Retail Accounts) - non-discretionary $0+: 0.65% annually (65bps) for Grandfathered Discretionary Advisory Accounts $0 - $2,000,000: 0.75% annually (0.1875% quarterly) for Retirement Plan Services $2,000,001 - $4,000,000: 0.50% annually (0.125% quarterly) for Retirement Plan Services $4,000,001+: Negotiable for Retirement Plan Services
Commissions charged by broker-dealer Osaic Wealth for securities transactions; associated persons receive commissions for sales of securities and insurance products; no advisory fee charged when commissions are paid
Hourly fees may be charged for additional consulting services such as settling estates, divorce settlements, consultations with trust attorneys, and project-based work
Account minimum: $500,000 Fee-only: Fixed financial planning fees for Phase One ranging from approximately $625 to $8,000 quarterly depending on complexity and number of accounts; also may charge hourly or fixed fees for additional consulting services
Main office
1045 A Andrew Drive
West Chester PA 19380
Advisors at this office
9
Most active in
Arizona · California · Colorado · Connecticut · Delaware · Florida · Georgia · Illinois · Louisiana · Maryland · Massachusetts · New Hampshire · New Jersey · New York · North Carolina · Ohio · Pennsylvania · South Carolina · Texas · Virginia · Washington
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Eraldo D
Series 66
West Chester, PA
Key Financial, Inc.
Eraldo Daja is a financial advisor at Key Financial, Inc. with two years of industry experience. He holds a Series 66 designation and previously worked at J.P. Morgan Chase for five years. Key Financial, Inc. provides comprehensive financial planning and portfolio management services for individuals, pension plans, trusts, and charitable organizations. The firm focuses on long-term, asset-allocation-driven portfolios using diversified mutual funds and ETFs within a buy-and-hold strategy.
Elizabeth M
Series 63, Series 66
West Chester, PA
Key Financial, Inc.
Elizabeth Miller is a financial advisor at Key Financial, Inc. with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Key Financial since 2015. Miller also supports advisor Patricia Brennan as a Key Client Specialist, assisting with client services and account processing. Key Financial, Inc. provides comprehensive financial planning and portfolio management for individuals, pension plans, trusts, and other entities. The firm emphasizes long-term, asset-allocation-driven portfolios using diversified mutual funds and ETFs, combining planning with ongoing portfolio monitoring and rebalancing through proprietary tools and custodial platforms.
Eric F
CFP®, Series 66
West Chester, PA
Key Financial, Inc.
Eric Fuhrman is a CFP®-designated financial advisor with 17 years of industry experience, currently serving as Chief Planning Officer at Key Financial, Inc., where he has worked since 2014. He also maintains a registration with Royal Alliance since 2010. In addition to his advisory role, Fuhrman participates in firm-wide financial planning activities and co-administers company operations, including retirement plan management. Key Financial, Inc. provides comprehensive financial planning and portfolio management services to individuals, pension plans, trusts, estates, and charitable organizations. The firm focuses on long-term, asset-allocation-driven portfolios using diversified mutual funds and ETFs, combining ongoing planning and portfolio monitoring supported by technology and an integrated advisory relationship.
Matthew M
CFP®, Series 66
West Chester, PA
Key Financial, Inc.
Matthew Mainwaring is a CFP® certificant and holds a Series 66 license with four years of industry experience. He is currently with Key Financial, Inc. and OSAIC, where he has worked since 2021. Prior to that, he held roles at Scott Honda of West Chester and College Hunks Hauling Junk and Moving. Key Financial, Inc. provides comprehensive financial planning and portfolio management for individuals, pension and profit-sharing plans, trusts, estates, and various business entities. The firm emphasizes long-term, asset-allocation-driven portfolios based on Modern Portfolio Theory and integrates planning with portfolio monitoring using discretionary accounts custodied at Pershing/Osaic Wealth.
Spencer P
CFP®, Series 63, Series 65
West Chester, PA
Key Financial, Inc.
Spencer Peet is a CFP® with six years of industry experience, currently serving at Key Financial, Inc. He has previously worked at Tristate Financial Advisors and Fortegra Financial Corporation, and spent four years at the University of Delaware. Peet maintains an independent insurance agent license to stay informed about insurance products, though he does not actively sell insurance. Key Financial, Inc. provides comprehensive financial planning and portfolio management services to individuals, including high-net-worth clients, as well as pension plans, trusts, and charitable organizations. The firm employs a long-term, asset-allocation-driven investment approach grounded in Modern Portfolio Theory, utilizing diversified mutual funds and ETFs with a buy-and-hold strategy.
Richard E
CFP®, CFA®, Series 63, Series 65
West Chester, PA
Key Financial, Inc.
Richard Everett is a CFP® and CFA® with 18 years of industry experience. He is affiliated with Key Financial, Inc., where he serves as Chief Investment Officer and assists with portfolio management. Everett has a long tenure at both Key Financial, Inc. and Royal Alliance Associates. Key Financial, Inc. provides comprehensive financial planning and portfolio management services for individuals, trusts, pension plans, and charitable organizations. The firm emphasizes long-term, asset-allocation-driven portfolios using diversified mutual funds and ETFs, combining planning with ongoing portfolio monitoring and rebalancing through discretionary accounts custodied at Pershing/Osaic Wealth.
Michael B
CFP®, Series 66
West Chester, PA
Key Financial, Inc.
Michael Brennan is a CFP® professional with 13 years of industry experience. He is affiliated with Key Financial, Inc. and has worked at Royal Alliance since 2012. Key Financial, Inc. provides comprehensive financial planning and portfolio management services to individuals, pension plans, trusts, and charitable organizations. The firm employs a long-term, asset-allocation-driven investment approach based on Modern Portfolio Theory, utilizing diversified mutual funds and ETFs with a buy-and-hold strategy.
Diane K
CFP®
West Chester, PA
Key Financial, Inc.
Diane Krainik is a CFP® professional with 4 years of industry experience, currently with Key Financial, Inc., where she has worked for 10 years. She is based in West Chester, PA. Key Financial, Inc. provides comprehensive financial planning and portfolio management services for individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm’s investment approach focuses on long-term, asset-allocation-driven portfolios using diversified mutual funds and ETFs, supported by advanced tools for planning and portfolio monitoring.
Patricia B
CFP®, Series 63, Series 65
West Chester, PA
Key Financial, Inc.
Patricia Brennan is a Certified Financial Planner® with 40 years of industry experience and serves as President and CEO of Key Financial, Inc. She has been with Key Financial since 1990 and also holds a longstanding role with OSAIC. Outside of her advisory work, she is an author and serves on several nonprofit boards, including Turks Head Health Services and Connect Through Cancer. Key Financial, Inc. offers comprehensive financial planning and portfolio management services for individuals, retirement plans, trusts, and charitable organizations. The firm emphasizes a long-term, asset-allocation-driven investment approach using diversified mutual funds and ETFs, combining planning with ongoing portfolio monitoring and rebalancing.
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