Keystone Financial Planning provides personalized portfolio management and financial planning services to individuals, families, trusts, and businesses. Keystone Financial Planning builds custom portfolios using individual stocks, mutual funds, exchange-traded funds, and variable annuities, with a focus on growing dividend streams over time. As part of portfolio management, Keystone Financial Planning incorporates financial planning, helping clients set short- and long-term goals, evaluate risk tolerance, and analyze tax, insurance, and investment allocations. Keystone Financial Planning also offers standalone financial planning and tax preparation services. The firm primarily targets clients with at least $1 million in investable assets, though smaller accounts may be accepted under certain circumstances.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $5.0M | 0.50% |
| $5.0M - $40.0M | 0.50% |
| $40M+ | 0.40% |
Fees are blended for the first $5,000,000. Once assets cross $5,000,000, a flat linear fee of 0.50% applies to the entire balance, dropping to 0.40% above $40,000,000. Accounts under $1,000,000 may be charged a fixed fee of $2,000 to $10,000 instead. Fees are negotiable.