Keystone Financial Services
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Keystone Financial Services provides discretionary investment management, financial planning, and retirement-plan consulting to individuals, families, employer-sponsored plans, trusts, and broker-dealer customers. The firm also offers participant account management for held-away retirement accounts and may implement third‑party sub‑advisers or SMA/TPMM solutions as part of client portfolios.
The firm’s investment process combines fundamental, technical, and industry‑expert analysis and emphasizes diversified asset allocation with tactical adjustments and tax‑awareness where appropriate. Keystone monitors and rebalances portfolios regularly, uses a third‑party platform to manage participant accounts without taking custody, and conducts periodic reviews of third‑party managers it selects for clients.
Keystone discloses that it conducts educational workshops on personal finance and investing (with session fees disclosed as $0–$5,000 and often sponsored by employers or associations) and that it may receive travel or marketing expense reimbursements from product distributors and participate in lead‑generation programs. As a recent material change, the firm added estate planning services and may facilitate access to a third‑party Trust & Will platform — including, in some cases and at its discretion, paying or reimbursing fees for eligible clients — and it states it will disclose any cash compensation received from third parties in referral arrangements.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Hourly rate up to $500 per hour if financial plan terminated before delivery.
Minimum fee: Minimum annual fee of $7,500; client pays the difference if annual advisory fees do not meet this amount. Typically satisfied through fees charged on assets under management. Fee-only: Fixed fee financial planning services typically between $1,500 - $15,000 based on service breadth and complexity.
Main office
4090 Clydesdale Pkwy, Suite 201
Loveland CO 80538
Advisors at this office
4
Most active in
Arizona · California · Colorado · Nebraska · New Hampshire · Texas
Also doing business as
Keystone Financial Services · Keystone Financial Services, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Jeremy B
CFP®, Series 66
Loveland, CO
Keystone Financial Services
Jeremy Busch is a CFP® and holds a Series 66 license with 10 years of industry experience. He has worked at Keystone Financial Services since 2020 and previously held roles at Cetera Advisor Networks, CWM, LLC, Edward Jones, and ABR Inspections, LLC. Keystone Financial Services provides discretionary investment management, financial planning, and retirement-plan consulting to individuals, families, employer-sponsored plans, trusts, and broker-dealer customers. The firm combines fundamental, technical, and industry-expert analysis with diversified asset allocation, tactical adjustments, and tax awareness in its investment approach.
Jennifer W
Series 65
Loveland, CO
Keystone Financial Services
Jennifer Walenter is a financial advisor at Keystone Financial Services with Series 65 credentials. She has over 14 years of industry experience, including 13 years at Edward Jones and subsequent roles at Keystone Financial Services. Keystone Financial Services manages approximately $306 million for around 509 clients, providing services to individuals, trusts, retirement plans, and broker-dealer customers. The firm employs a range of investment strategies across multiple asset classes, combining fundamental, technical, and industry expert analysis, with portfolios that are actively monitored and tailored for tax efficiency or partial delegation.
Joshua N
CFP®, Series 63, Series 65
Loveland, CO
Keystone Financial Services
Joshua Nelson is a Certified Financial Planner® with 27 years of industry experience. He has been with Keystone Financial Services since 2010 and previously worked at firms including Cetera Advisor Networks LLC and LPL Financial. Keystone Financial Services provides discretionary investment management, financial planning, and retirement-plan consulting to individuals, families, employer-sponsored plans, and trusts. The firm employs a diversified, tax-aware investment approach that integrates fundamental, technical, and industry-expert analysis, and offers participant account management using third-party platforms.
Michael S
Series 65
Loveland, CO
Keystone Financial Services
Michael Stevenson is a Series 65-licensed financial advisor with three years of industry experience. He is currently with Keystone Financial Services and previously worked at Navigation Wealth Management, NYLife Securities LLC, and New York Life Insurance Company. Outside of advising, he has served as an insurance agent and provides consulting services for the transition of Navigation Wealth Management’s business. Keystone Financial Services is a registered investment adviser managing approximately $306 million for over 500 clients. The firm serves individuals, trusts, retirement plans, and broker-dealer customers, offering a range of portfolio management and financial planning services with an investment approach that includes equities, fixed income, mutual funds, ETFs, options, and alternative assets.
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