Keystone Financial Planning, Inc

Keystone Financial Planning provides discretionary portfolio management, financial planning and consulting, and separate tax preparation services to individuals (including high-net-worth and non‑HNW clients), retirement plans, trusts, estates, charitable organizations, and business entities. Engagements are personalized and delivered either as ongoing asset‑based management or as stand‑alone fixed‑fee planning projects.

The firm integrates financial planning into its portfolio management process, tailoring allocations to clients’ objectives and risk tolerance while using technical analysis and long‑term purchase strategies to construct portfolios that emphasize an increasing dividend stream; typical investments include fee‑based variable annuities, individual stocks, mutual funds, and ETFs. Accounts are monitored on an ongoing basis with at least annual reviews and fees are generally billed on an asset‑based schedule, with fixed‑fee planning options available.

Keystone is uncommon among peers in offering in‑house tax preparation as a complementary service—approximately ten percent of billable hours—allowing closer coordination between investment advice and tax recordkeeping while noting tax efficiency is not its primary investment objective. The brochure also discloses implementation practices that may affect clients, such as including fee‑based annuity subaccounts in advisory fee calculations and using a high‑cost‑first‑out cost‑basis method unless a client specifies otherwise.