Keystone Wealth Advisors, LLC

Keystone Wealth Advisors provides investment management, comprehensive financial planning, family-wealth coordination, and retirement plan services to individuals, families, trusts, estates and business entities. The firm offers non‑discretionary portfolio management for individual accounts, advisory services to qualified retirement plans (as a 3(21) or 3(38) advisor), access to third‑party managers, and also sells insurance products on a commission basis.

The firm’s process begins with a discovery and organization phase to map assets, review tax and estate structures, and clarify priorities, then moves to ongoing planning tiers (foundational, integrated, comprehensive) that emphasize coordination with clients’ CPAs, attorneys, and other advisors. For individual accounts the firm typically recommends securities and obtains client approval before executing trades, while it may accept discretionary authority for certain retirement plan engagements; Keystone also recommends and monitors third‑party managers and discloses its referral arrangements.

Notable distinguishing features include the firm’s primary reliance on non‑discretionary client accounts — an atypical model among peers of this size — combined with licensed insurance sales and other outside-business activities that the firm discloses as potential conflicts of interest. The firm also emphasizes high‑touch family wealth services with an initial discovery phase and ongoing coordination across multi‑entity situations, and it shares referral fees with third‑party managers as part of its client service model.