That is one way to do it. Or you can write the same article (twice or three times) with an emphasis on a different keyword. For example if you are discussing Mutual funds... use that in your title, then use a "long phrase" keyword. Example "investing in Mutual funds" can be your title.
Therefore make sure your keyword is in your title, then again in the first sentence or second sentence. Example ( when was the last time you looked at Mutual funds as an investment... blah blah)
Then again in the body of the copy. Example ( the best Mutual fund around today.. blah blah blah) and once again at the end of your copy. Example (In conclusion once you get your mutual fund portfolio in order... blah blah blah)
Either the last sentence or the second to last sentence.
You see it has to be appreciated by humans. It cannot have "flow" for both. Therefore I would suggest making your copy, persuasive, engaging and informative for human consumption first.
Always, Always, have a call to action at the end. Not directly promoting you per say... but something subtle. Example ( Next week I will be discussing IRA including the benefits... blah blah blah)
What you have to build with your articles is "trust".
If you ask them to buy right off the bat then you are not doing your job. They have to know that you can discuss Mutual funds, IRA, Gold, or whatever it is you are selling as a financial adviser. There is a certain formula with writing SEO copy.But sometimes people put too much weight on how to write it "properly" and forget that humans are their clients, not search engines.
I hope I have helped. :)