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Elwyn Hopkins, ChFC

My goal is to empower you to make good financial decisions by providing answers to your concerns.

Keystone Financial Advisory, LLC



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Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Other Financial Planning
    • -Tax Planning
  • Insurance
    • -Life Insurance
    • -Health Insurance
    • -Long-Term Care Insurance
    • -Annuities
  • Portfolio Management
    • -Individuals and/or Small Businesses


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types



No timeline events available.
Employer Years Dates
Keystone Financial Advisory, LLC 7 years Apr 2013 - Present
Pnc Investments 2 years, 6 months Jul 2010 - Jan 2013
Ameriprise Financial Services Inc. 1 year, 1 month Jun 2009 - Jul 2010

Designations & Memberships

Membership information not available

Articles and Answers

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Ask a financial questionAsk a question
Where is the best place for me to invest my soon to mature large retirement CD given the current market situation?
Hello Tom, when looking into the dark recesses of retirement, it gets scary. You have to invest to get income from your money and you need to grow the money to create the ability to increase income due to cost of living increases. When looking at your situation there are two categories of basic ex...  (more)
Answered Dec 2013
RMDs - What's the purpose?
Hello Colin, you are correct in your reasoning for the RMD. If the government did not have restrictions on the contributions and the withdrawals some people might put all of their earnings in an IRA and never take it out, thus leaving the government without an income. Heavens! However, you can st...  (more)
Answered Nov 2014
How do I check my 401 k?
Hello William, I am assuming you mean how do you check the balance of your money in your 401(k). If you just want to check out your plan in general, then as Pam suggested you can go to the BrightScope homepage and look over your plan compared to the company's peer group. Companies with 401(k) plan...  (more)
Answered Jan 2014
How do I cash out my 401k?
Hello David,as mentioned above you need to contact the custodian of the 401(k) and ask for the procedure to get your money. But first you need to consider your financial situation and your tax situation prior to taking your money. For example, any distribution to you where you use the money will be...  (more)
Answered Apr 2014
Deferred Variable Annuities?
Hi Colin, first congratulations on being so diligent in planning for retirement. It is wonderful that you are able to max out your 401(k) and IRA. Your next step as you asked is how can you do more? I assume that you have plenty of cash reserves - 6 months of expenses - and that you have taken care ...  (more)
Answered Jul 2014
I recently retired. Five months before retiring, as a part of a diversification process, I sold stock from my 401k.
Hello David, the net unrealized appreciation (NUA) is the appreciation of company stock within a employer sponsored retirement plan. When you received the company stock there was a value associated with it. When you choose to employ the NUA tax strategy, you must take out the company stock in kind...  (more)
Answered Dec 2013
OverSaver Needs Assurance! Wondering what 401k contribution % to drop down to?
Hi Colin, you are to be congratulated on your savings habits! It sounds like you have carefully thought out your retirement. Who knows what retirement will be like in 2048. Will the retirement age for Social Security increase or will it even exist? As you know retirement savings has shifted from...  (more)
Answered Jul 2014
I want $20,000 from my 403b. Should I do it as a 5 yr loan @ 4.25 interest, or as a withdrawal and pay the taxes now?
Hi Dwight, as indicated above the question you ask does not have an easy answer. Using your retirement savings as an ATM is NOT a good idea. However, sometimes it does make sense to borrow against your 403(b) account if the plan will allow it. The basics are you can take out a loan for 50% of you...  (more)
Answered Dec 2014
How do I apply for dec. husbands 401k plan?
Hello Mary, you have my condolences. The way to get the 401(k) has been outlined very well by John and Brian. However, this is one piece of a larger financial situation. Whenever you have a life changing event, it is an excellent time to assess your current financial situation and plan. There ar...  (more)
Answered Sep 2014
    *Answers are submitted by advisors without compensation.

    Licenses & Conducts

    U.S. Securities and Exchange Commission
    • license status
    • disclosures
    • as of date
      Mar 5, 2020
    • license status
      Not registered
    • disclosures
    • as of date
      Mar 5, 2020
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:


    Keystone Financial Advisory, LLC

    Last updated on March 5, 2020
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    Fee Only Advisor
    This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.

    Types of Compensation Arrangements