Steve Jenkins, AAMS^®
KEY INVESTMENT SERVICES LLC

Financial Services

Stephen Jenkins, AAMS®, provides tailored financial planning solutions for business owners, helping them manage cash flow, plan for growth, and prepare for succession. At Key Investment Services, he advises on retirement plans, insurance, and investment strategies that align with business goals and personal wealth objectives. With decades of experience, Stephen understands the unique financial challenges businesses face and offers strategic guidance to support long-term stability, profitability, and a smooth transition from business to personal financial success.

Stephen Jenkins, AAMS®, provides personalized financial advice and consulting services to help clients achieve clarity and confidence in their financial lives. At Key Investment Services, he uses the Key Wealth Analysis planning tool to deliver a holistic view of each clients financial pictureintegrating income, investments, retirement goals, and risk management into a unified strategy. With over 35 years of industry experience, Stephen partners with clients to develop actionable plans tailored to their priorities. Whether navigating life transitions, optimizing portfolios, or planning for the future, his consultative approach is grounded in trust, transparency, and long-term financial well-being.

Stephen Jenkins, AAMS®, provides personalized financial advice and consulting services to help clients achieve clarity and confidence in their financial lives. At Key Investment Services, he uses the Key Wealth Analysis planning tool to deliver a holistic view of each clients financial pictureintegrating income, investments, retirement goals, and risk management into a unified strategy. With over 35 years of industry experience, Stephen partners with clients to develop actionable plans tailored to their priorities. Whether navigating life transitions, optimizing portfolios, or planning for the future, his consultative approach is grounded in trust, transparency, and long-term financial well-being.

With over 35 years of experience in financial services, Stephen Jenkins brings a disciplined, client-focused approach to portfolio management that blends institutional insight with personalized strategy. At Key Investment Services, Stephen collaborates with individuals and families to design and manage portfolios aligned with their unique goals, risk tolerance, and time horizons. His philosophy is rooted in diversification, risk management, and ongoing communicationessential elements in building long-term wealth and financial security. Stephen draws on deep market knowledge and a strong analytical foundation developed during his tenure at firms like Goldman Sachs and as a founding partner of a boutique investment company. He constructs portfolios using a range of asset classes, including equities, fixed income, ETFs, and alternative investments, ensuring a balanced approach tailored to changing market conditions and client objectives. By leveraging the resources of KeyBank and its integrated wealth management platform, Stephen provides clients access to institutional-grade research, planning tools, and proactive portfolio monitoring. His goal is to help clients build, manage, and protect their wealth through informed, transparent guidance. Whether planning for retirement, funding education, or preserving assets for future generations, Stephen delivers portfolio solutions grounded in trust, adaptability, and results-driven insight.

Stephen Jenkins, AAMS®, applies over three decades of financial advisory experience to help clients navigate the complexities of retirement planning with clarity and confidence. As a Private Client Advisor at Key Investment Services, he works closely with individuals and families to create personalized retirement strategies that align with their financial goals, lifestyle expectations, and legacy plans. Stephens retirement planning approach begins with a comprehensive understanding of each clients income needs, risk tolerance, healthcare considerations, and long-term objectives. Drawing on his experience as a business owner and advisor he integrates investment management, tax planning, insurance, and estate considerations into cohesive, adaptable retirement plans. By leveraging the tools and resources of Key Investment Servicesbacked by KeyBanks broader wealth platformStephen offers robust financial planning models, including cash flow projections, Social Security optimization, and Monte Carlo simulations to assess probability of success. He continuously monitors and adjusts plans to reflect market shifts and life changes, ensuring clients remain on track throughout their retirement journey. Stephens commitment is to help clients retire with dignity and peace of mind, offering trusted advice and tailored solutions at every stagefrom accumulation through distribution and beyond.

Stephen Jenkins, AAMS®, specializes in guiding clients through 401(k) rollovers with a focus on clarity, tax efficiency, and long-term strategy. At Key Investment Services, he helps individuals evaluate their rollover options when changing jobs or retiringwhether moving assets into an IRA, a new employers plan, or exploring alternative solutions. With over 35 years in financial services, Stephen provides personalized advice that aligns with each clients retirement goals, investment preferences, and risk tolerance. His goal is to simplify the rollover process, avoid unnecessary penalties, and ensure assets continue working effectively as part of a broader retirement strategy.

strategy to help clients protect what matters most. With extensive knowledge of life, disability, and long-term care insurance, he evaluates coverage needs based on each clients goals, family situation, and overall risk exposure. At Key Investment Services, Stephen works to ensure that insurance solutions complement broader financial objectives, such as income protection, estate planning, and legacy building. His approach emphasizes suitability, cost-efficiency, and long-term value. By identifying gaps and recommending appropriate coverage, Stephen helps clients gain peace of mind and financial security through tailored, proactive insurance planning.

tephen Jenkins, AAMS®, helps clients assess whether annuities may be an appropriate part of their overall retirement strategy. At Key Investment Services, he provides clear, objective guidance on the potential benefits and limitations of fixed and variable annuities. His approach ensures that any annuity consideration aligns with the clients individual goals, risk tolerance, and broader financial plan.

Stephen Jenkins, AAMS®, collaborates with clients and their legal professionals to integrate estate planning and trusts into a broader financial strategy. At Key Investment Services, he helps individuals and families clarify their legacy goals, organize their assets, and explore tools such as wills, trusts, and beneficiary designations to ensure smooth wealth transfer and minimize tax exposure. Stephens role includes facilitating conversations around generational planning and charitable giving, ensuring each plan reflects the clients values and long-term intentions. With over 35 years of experience, he provides thoughtful guidance that helps protect assets, reduce complexity, and preserve family harmony across generations.

Stephen Jenkins, AAMS®, offers tax-aware financial advice designed to help clients keep more of what they earn. At Key Investment Services, he leverages strategies like Custom Direct Investing and tax-loss harvesting to minimize tax liabilities while aligning investments with long-term goals. By integrating tax considerations into portfolio construction and financial planning, Stephen ensures clients benefit from greater efficiency, improved after-tax returns, and coordinated strategies that support both wealth accumulation and preservation across their financial lifecycle.

Stephen Jenkins, AAMS®, helps families plan and save for education with customized strategies that align with their financial goals. Whether through 529 plans, custodial accounts, or other tax-advantaged vehicles, he guides clients in choosing the right approach based on timelines, risk tolerance, and funding needs. At Key Investment Services, Stephen leverages comprehensive planning tools to project future costs and optimize savings, ensuring clients are well-prepared to support their childrens or grandchildrens educational journeys.

Stephen Jenkins, AAMS®, offers strategic investment advice and management tailored to each clients financial goals, risk tolerance, and time horizon. With over 35 years of experience and access to Key Investment Services robust research and planning tools, he builds diversified portfolios using stocks, bonds, ETFs, and alternative investments. Stephen monitors and adjusts investments as market conditions evolve, ensuring alignment with long-term objectives. His disciplined approach emphasizes transparency, performance, and suitabilityempowering clients to make informed decisions. Whether building wealth, generating income, or preserving capital, Stephen provides thoughtful, personalized investment strategies designed to deliver consistent, goal-driven results over time.

Stephen Jenkins, AAMS®, delivers personalized wealth management solutions built on over 35 years of financial expertise. At Key Investment Services, he partners with clients to develop comprehensive strategies that integrate investment planning, retirement readiness, risk management, and tax efficiency. His approach begins with understanding each clients unique goals and values, then crafting a tailored plan to grow, preserve, and transfer wealth across generations. Drawing on institutional experience and independent advisory leadership, Stephen provides objective, ongoing guidance rooted in trust and transparency. His commitment is to help clients navigate complexity and achieve financial confidence through proactive, relationship-driven wealth management.

Stephen Jenkins, AAMS®, integrates risk management into every aspect of financial planning. He helps clients identify potential vulnerabilities and implements strategiessuch as diversification, insurance, and asset allocationto protect their wealth. At Key Investment Services, his goal is to minimize financial uncertainty and support long-term stability through proactive, personalized guidance.

Stephen Jenkins, AAMS®, offers disciplined money management services designed to help clients make informed financial decisions and stay on track toward their goals. With a focus on budgeting, cash flow planning, and investment alignment, he provides tailored strategies that support everyday financial health and long-term stability. At Key Investment Services, Stephen combines personal insight with professional tools to ensure clients manage their resources effectivelybalancing todays needs with tomorrows aspirations.