Welcome to KEYSTONE LEGACY Financial
Your Future, Made Simple
We provide comprehensive retirement planning designed to help individuals and families prepare for every stage of their financial future.
Our mission is simple:
To help individuals and families approach their future with confidence, clarity, and financial security.
We believe financial & retirement planning should never feel overwhelming or complicated. Through thoughtful guidance, personalized strategies, and a commitment to putting people first, we strive to simplify the planning process and empower our clients to build the future they deserve.
As an independent agency, we represent many different carriers rather than being tied to a single company. This allows us to provide our clients with a broader range of options and recommendations tailored to their unique goals and financial situations.
At the heart of everything we do is a simple promise: “Your Future, Made Simple”
Our Financial Services
What we do for clients at KEYSTONE LEGACY Financial
Full Comprehensive Medical Review
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. It’s very likely to spend 30 years or more living in retirement without earned income.
We create a customized retirement income plan, encompassing all sources of income, for each one of our clients and no two plans are exactly alike.
Asset Prescription Drug Analysis
Retirement doesn’t mean that it’s time to stop growing. Same holds true for your money. It should mean, however, that it’s time to stop taking unnecessary risk.
We specialize in helping retirees protect their retirement assets while continuing to move forward.
Fill-in-the-Gaps Analysis
Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – tax-free and guaranteed!
We also work with our clients and help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create.
Consultative Retirement Check-up
Long-term care/extended care costs have gone up substantially in the last 10 years. Unfortunately, the statistics are not in our favor, a plan to address these costs should be included in every retirement strategy.
The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t.
Products
Medical Expenses
Medicare Supplements
Medicare Advantage Plans
Dental/Vision/Hearing
Hospital Indemnity
Critical Illness – Cancer or Heart
Extended Care
Traditional Long Term Care Insurance
Home Health Care
LTC – Hybrid Life Insurance
LTC – Hybrid Annuities
Final Expenses/
Legacy Planning
Final Expense Life Insurance
Whole Life
Universal Life
Term Life
Retirement Income/Savings
Comprehensive Retirement Analysis
Fixed Annuities
Fixed Indexed Annuities
Single Premium Immediate Annuities
Our Carriers
Reduce Your Financial Risk In Retirement
Watch Our Video To Learn More
About Us
Derek Sheruda
Co – Founder & Principal
Derek Sheruda is the Co-Founder and Principal of Keystone Legacy Financial LLC, a comprehensive retirement planning agency dedicated to helping individuals and families secure their financial future.
Born, raised, and still residing in northeastern Pennsylvania, Derek has spent 20 years training, educating, and leading in the retirement and financial services industry. Throughout his career, he has also focused on training and guiding agents and financial professionals in their careers, helping them grow their businesses, expand their knowledge, and better serve their clients.
Alongside co-founder John Cyprich, Derek pursued the vision of building a firm centered on trust, education, and community. Together, they established Keystone Legacy Financial with the goal of creating a team that serves clients in a supportive, family-like environment while providing access to a wide range of retirement and financial solutions.
Derek remains deeply committed to helping individuals and families prepare for the future through thoughtful planning, personalized strategies, and a strong focus on long-term financial security, while continuing to mentor the next generation of financial professionals.
John Cyprich
Co-Founder & Financial Advisor
John Cyprich is the Co-Founder and Financial Advisor of Keystone Legacy Financial, bringing over 18 years of experience in the financial services industry. With a strong commitment to excellence and client-focused service, he provides comprehensive financial guidance designed to support long-term security and success.
Specializing in holistic retirement planning, John takes an integrated approach to helping clients prepare for the future. By considering all aspects of a client’s financial life —including investments, income strategies, risk management, and legacy planning — he develops personalized solutions tailored to each individual’s unique goals and circumstances.
Throughout his career, John has earned a reputation for professionalism, integrity, and thoughtful financial stewardship. As Co-Founder of Keystone Legacy Financial, he is dedicated to fostering lasting client relationships built on trust, transparency, and consistent results.
John remains committed to ongoing professional development and staying informed on evolving financial trends to better serve clients in an increasingly complex financial landscape.
