The first meeting costs nothing, and you don't have to hire us after it.
Keelwick Financial planning · Woodside
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A plain cream wall with one empty brass hook and nothing hanging from it, a narrow oak shelf below holding only a sprig of green in a glass jar.

Limits

What we will not claim

Fifteen lines this practice keeps off its own pages, and thirteen that planners' sites print, each quoted once and answered on a page of its own.

AI-generated illustration. Not a real home or business.

Fifteen things this practice will not say

Some come from the law and some are the practice's own decision. Each one links to the page that gives its reason.

Thirteen lines from the market, each answered

Each is the kind of line a planner's website prints. Each is quoted once, on a page of its own, so that it can be answered there: the rules behind the answer, what this practice says in its place, and the questions to put to any planner who says it.

What you will see advertised

“A registered investment adviser, approved by the SEC, with fully licensed planners.”

Who registers a planning practice in New York, and why this site shows no registration

A practice paid to advise people about investments, a written plan included, is an investment adviser. In New York it registers with the Attorney General until it manages $25 million and with the SEC after that, its planners register too, and no registration means anybody approved it. So this practice claims no registration, prints no number, and shows you how to look up a real one.

Why

What you will see advertised

“Our certified planners hold every major designation in the industry.”

Why the planners here have no letters after their names

A designation is a certification another body grants and owns, and in New York a planner registers only after an exam or one of a short list of certifications. The planners here are invented: no exam, no certification, no letters, and no mark borrowed from anybody who grants one.

Why

What you will see advertised

“Fiduciary advisors who always put your best interest first.”

What "fiduciary" means, and why this practice never uses it about itself

The fiduciary duty is owed by an investment adviser to its clients, under federal law, and an adviser's advertisement may not imply more than it can substantiate. This practice is not registered and has no clients, so the word appears here only to explain it.

Why

What you will see advertised

“Our clients' portfolios have beaten the market year after year.”

No returns, no track record and nobody beating the market

An adviser's advertisement may not say anything untrue or that it cannot substantiate, and performance comes with detailed rules of its own. A practice that writes plans and manages no money has no results to show. So there is no return, no chart and no comparison with any market on this site.

Why

What you will see advertised

“See exactly how much you will have at retirement, and the date you can stop working.”

No projection of what your savings could become, and no retirement date

A projected or targeted return is hypothetical performance under the SEC's advertising rule, and advisers have been penalized for putting projections on their websites. So nothing here says what your savings could grow to, how likely a plan is to work, or when you could retire.

Why

What you will see advertised

“Guaranteed income for life, with no risk to your savings.”

No guarantee, no safe investment and no income for life

An adviser's advertisement must treat risks as fairly as benefits, and an untrue statement in an advertisement is unlawful. So this site never calls anything guaranteed, safe or risk-free, and a plan says what you would do if savings fell.

Why

What you will see advertised

“Five-star rated, award-winning, and trusted by hundreds of Queens families.”

No testimonials, star ratings, awards or memberships

A testimonial is a statement by a current client, and ratings and awards come with dated disclosures; the SEC has fined advisers for testimonials from nobody and memberships of nothing. This practice is invented and has no clients, so it shows no testimonial, star, award, ranking or membership.

Why

What you will see advertised

“We're fee-only, so there are no conflicts of interest.”

Fee-only is a way of being paid, not the absence of conflict

Fee-only means the planner is paid only by the people it works for. Every way of being paid still pulls somewhere, and the SEC has fined advisers that claimed to be conflict-free. So this site says fee-only and what it covers, names the conflicts, and never says it has none.

Why

What you will see advertised

“Let us move your savings into the right annuity and manage everything for you.”

No annuity, no policy, no fund and nobody's money managed

A practice paid only by the people it works for has no product to place, and in New York nobody may be paid to advise on an insurance policy or an annuity without a license. This one also holds and manages no money. You act on a plan in your own accounts, wherever they already are.

Why

What you will see advertised

“Bring your policies in for a free insurance review, and we'll find you a better one.”

No insurance policy reviewed, because New York licenses that work

In New York nobody may be paid to review or advise on a policy, an annuity or a pension option without an agent's, broker's or consultant's license, and the title insurance advisor is reserved too. This practice holds no license, reviews no policy, and writes your insurance questions down for someone who does.

Why

What you will see advertised

“Wills, trusts and tax returns, all done in-house with your financial plan.”

No will drafted and no tax return prepared: the attorney and the CPA do that

In New York only an attorney may be paid to prepare a will, and only a licensee may call themselves a CPA. A plan here lists what you own and the questions for your attorney and your CPA; it never drafts a document or prepares a return.

Why

What you will see advertised

“Join us for a free retirement income review over dinner.”

No free retirement review over dinner, and what the first meeting is instead

New York City requires the conditions of anything free to stand beside the word. Regulators who examined free-lunch seminars found all of them were meant to end in a sale. The first meeting here costs nothing on stated conditions: no advice, nothing sold, no obligation.

Why

What you will see advertised

“Upload your statements and we'll tell you if you're on track to retire.”

No statements, account numbers or balances through a website form

An account number, a Social Security number and health details are private information in New York, and someone asking only for information gives no more than a name and a topic. So the enquiry asks for your name, contact details, a topic and a time, and nothing about your money.

Why

Why an invented practice says less

A practice that does not exist could say anything, because nobody is in a position to contradict it: there is no client to ring, no record to look up and no office to walk into. That is why this one says less than the sites it is built to compete with, and why each thing it leaves out has a page giving the rule or the reason.

Planning is bought by people deciding things they cannot easily undo, and most of what a household knows about a planner before the first meeting is what the website said. A practice that says what it will not do before anybody walks in gives a fair preview of how it will behave across the table.

Where a refusal rests on a rule, its page prints the rule with its source and the month it was last read against that source, October 2026.

Ask for a first meeting

A first meeting costs nothing, gives no advice and asks nothing of you afterwards: about forty-five minutes, at the office or by video. The office replies in office hours.

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