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The Why Behind The What We Do 

Kelly Monroe is the founder of Keystone Planning Partnership, a retirement strategy firm. She is also the creator of The Key2Retire Formula®, a step-by-step method for retirement preparation for Federal employees.

Kelly is passionate about using a common sense, holistic financial approach.  She has in-depth experience helping FERS and CSRS employees optimize the full value of their benefits and plan retirement for a strong finish.


“I believe there is an essential ‘ingredient’ missing from most financial plans—and that 'missing ingredient' is PREPARATION," Kelly shares.
"Unfortunately, the financial services industry often relies upon planning as the means to an end. When, in my opinion, planning is just merely the starting point, an important first stage in the development of your financial future."
"Planning is a mental construct, an activity, where ideas are generated.  Relying upon planning alone can stop short of real life results."

“This is where the missing ingredient comes into your ‘retirement recipe.’  Preparation is ‘where the rubber meets the road’—it’s where strategic actions take place and the necessary results are generated," she continues. "Preparation steps are actionable and measureable, both essential elements to achieving your financial future."
"Keep in mind, though, at the foundation of proper preparation, you will also find applicable knowledge.  There is a saying that ‘Knowledge is power,’ but I disagree.  Applicable knowledge is power.  The difference being that knowledge must be able to be applied to one’s situation; otherwise, it is simply data or information,” concludes Kelly.

That's why The Key2Retire Formula® utilizes Planning, Preparation and Knowledge to help Federal Employees finish strong for retirement.

Retirement Strategy
Retirement Planning Preparation and Knowledge is Vital for Your Success

The Monroe Team, Inc. is a Registered Investment Adviser doing business as Keystone Advisory Group, Keystone Planning Partnership and THE KEY2RETIRE FORMULA®. Advisory services are only offered to clients or prospective clients where The Monroe Team, Inc. and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by The Monroe Team, Inc. unless a client service agreement is in place.  Kelly Lisa Monroe CA Department of Insurance License 0E40254.

THE KEY2RETIRE FORMULA® is not affiliated with, endorsed or sponsored by the Federal Government or any US Government agency. THE KEY2RETIRE FORMULA®  FERS Toolkit, CSRS Toolkit, Scorecard, and Resource Checklist are educational only. No specific financial or retirement advice is being offered. The material presented is as current as possible, but is necessarily generalized. Facts and opinions are based on research and experience, but are not endorsed by the Federal Government. It is recommended to consult with your personnel office and/or the Office of Personnel Management (OPM), Retirement Office.

Keystone Planning Partnership | 2440 Bert Drive Bldg 200 Ste 204 | Hollister, CA  95023 | Toll-Free 800.878.1964 | 650.262.0130