About Us

Do you want professional service from experienced advisors, but also appreciate personal attention? Key Concerns will provide that.  Our unique women-owned and operated business offers sound financial planning advice and answers all your questions, even those you may be afraid to ask.  We can guide you through all aspects of planning to make you comfortable and knowledgeable about your financial decisions.  Once you become a client, you become part of our family, a family that we work hard to protect and inform.


Sue Waterhouse, President

Sue has been working in financial services since 1984, as a registered representative under a traditional broker-dealer relationship. Sue was a licensed representive with Sigma Financial from 1988 to 2000. Since February of 2001, Sue has been the President of Key Concerns, Inc.

Sue has been married to her best friend Frank for over 42 years, and although a native New Yorker, has considered Michigan her home since 1981.


Barb Grose, Vice President

Barb began working in financial services in 1991 with John Hancock Securities. From 1995 to 2000, Barb was a registered representative with Sigma Financial Corporation. Since February of 2001, she has been the Vice President of Key Concerns' Registered Investment Advisory Firm.

Barb is a native of the Downriver area, where she lives with her husband of 37 years.


Erin Shelton

Erin Shelton joined Key Concerns in 2008 as an Investment Advisor Representative.  She graduated from the University of Michigan in 2001 and spent her early career in the non-profit field working with people with disabilities and working on grant proposals.  She understands the concerns that families have when they are planning long-term, whether it be for college or planning for a child with special needs.  Erin approaches clients with a genuine concern for their future, not assets under management.  Erin has two young children and understands managing a household and planning for the future.  For fun, Erin plays drums in her church’s praise band.


Jennifer Brown

Jennifer Brown joined Key Concerns in 2011 as an Investment Advisor Representative.  She brings creativity and compassion to our clients, as she approaches finances from a “been-there, done-that” perspective.  Jennifer was a rock star and passed the series 65 exam with no problems. Jennifer worked in accounts payable, and also worked in a credit union accounting department.  She utilized her ability to work in many different capacities as an office manager, until she became a stay-at-home mom and wore all the hats that requires.  She is a mother of three young children and balances all aspects of life with ease and a sense of humor. Jennifer is a graduate of the 2014/2015 Leadership Monroe Class.