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Live today.
Plan for tomorrow.

We bridge the gap between knowing and doing in the financial lives of our clients.

Why Keystone?
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We have a long history and trust Josh and his team’s recommendations and decisions. Both my wife, son and I are comfortable working with the Keystone team. Everyone on the staff is very responsive to requests. The team works well together.

  • - John B.
John is a client of Keystone Financial Services and is not being compensated for sharing their opinion and experience with our firm. Any compensation creates a conflict of interest and John's comments may not be representative of any other person's experience with the firm.

The staff is extremely knowledgeable and very professional and are extremely good at what they do. However, they remain very “user-friendly” for those of us who are not gifted in our financial planning endeavors. I feel very secure in their handling of my financial planning.

  • - Pam B.
Pam is a client of Keystone Financial Services and is not being compensated for sharing their opinion and experience with our firm. Any compensation creates a conflict of interest and Pam's comments may not be representative of any other person's experience with the firm.

I feel like I could be on the sales team! I tell people all the time how great you all are. I can’t thank you enough for all you have done for my family, especially after the loss of my dad.

  • - Karen B.
Karen is a client of Keystone Financial Services and is not being compensated for sharing their opinion and experience with our firm. Any compensation creates a conflict of interest and Karen’s comments may not be representative of any other person's experience with the firm.

Keystone Financial Services is extremely competent and knowledgeable about the issues to guide me through the challenging process.

  • - Faye D.
Faye is a client of Keystone Financial Services and is not being compensated for sharing their opinion and experience with our firm. Any compensation creates a conflict of interest and Fayes's comments may not be representative of any other person's experience with the firm.

The team goes above and beyond with answering questions and helping me make informed financial decisions.

  • - Roxanne F.
Roxanne is a client of Keystone Financial Services and is not being compensated for sharing their opinion and experience with our firm. Any compensation creates a conflict of interest and Roxanne’s comments may not be representative of any other person's experience with the firm.

Keystone is a one-stop shop for everything financial, provides referrals to related services, and has my best interests in mind. They are financial experts and good people who I trust and enjoy.

  • - Sue T.
Sue is a client of Keystone Financial Services and is not being compensated for sharing their opinion and experience with our firm. Any compensation creates a conflict of interest and Karen’s comments may not be representative of any other person's experience with the firm.

Great investment team and great support, for a lot of years.

  • - Ron K.
Ron is a client of Keystone Financial Services and is not being compensated for sharing their opinion and experience with our firm. Any compensation creates a conflict of interest and Ron's comments may not be representative of any other person's experience with the firm.

Honest, trustworthy people who care about you and your family with great, solid financial advice.

  • - Michelle G.
Michelle is a client of Keystone Financial Services and is not being compensated for sharing their opinion and experience with our firm. Any compensation creates a conflict of interest and Michelle’s comments may not be representative of any other person's experience with the firm. PERMSSION GRANTED

Keystone has proven to be very knowledgeable and trustworthy. They have helped us meet our financial goals and provide answers to our questions as they come up during the year.

  • - Tracy T.
Tracy is a client of Keystone Financial Services and is not being compensated for sharing their opinion and experience with our firm. Any compensation creates a conflict of interest and Tracy's comments may not be representative of any other person's experience with the firm.
About us

Our mission is to provide unbiased advice and guidance

Keystone Financial Services is a top wealth management firm serving affluent professionals, families and business owners nationwide.

Our goal is to help you plan for your future with confidence and clarity, working with you to develop comprehensive financial strategies.

Fiduciary.

Fee Only.

Independent.

CFP®

Tech Professionals

You are part of changing our world forever. You’ve worked hard to make life better, solve problems quicker, and connect people across the world. Our culture of innovation and constant and never-ending improvement will be familiar territory for you. You will also gain access to our suite of financial technology, which gives you 24/7 access to a clear view of your complete financial picture.

Engineers

You’re used to planning, and you’re used to people depending on those plans, regardless of which industry you are in. Strategy and structure are important to you, and we plan accordingly, working with you to build a financial plan and portfolio that will stand the test of time.

Professional Affluent

You’re an accomplished professional, living and working in the craziness of life’s journey. It might be true that your scarcest commodity is time! Your household income allows you to save, invest, and you are serious about planning for your important goals, like retirement and college funding.

Retirees

You’ve made it! No alarm clocks, and every day feels like Saturday! But life in retirement comes with its own concerns, decisions, and planning needs. You’re working out how to make your money last in the long-term, while getting to enjoy your retirement years, stay on top of your health, and plan your legacy.
Personalized Wealth Management

Our firm focuses exclusively on your needs

We focus on the financial planning needs of individuals, families, and business owners nationwide.

Our unique client base is largely comprised of current and former employees from high-tech companies*

* Keystone Financial Services (“Keystone”) may provide logos or links from this site to a non-affiliate website or permit a link from a non-affiliate website to our site. Such links are for your convenience only and do not imply any affiliation with or an endorsement, authorization, sponsorship, or promotion of the non-affiliate company. Keystone does not control or review any link and accepts no responsibility for the content, products, or services provided at these linked websites. If you decide to access such non-affiliated websites, you do so solely at your own risk, and you should be aware that non-Keystone websites are governed by the non-affiliates own terms and conditions and privacy policies.
Learn More
Personalized Plan

Our goal is to replace uncertainty with confidence and clarity

We help you plan for your future, working with you to develop comprehensive financial strategies.

Get Started
Meet the Team

Dedicated Focus. Outstanding Service.

Our team works together toward one sole purpose: to ensure you have an amazing client experience. We don’t simply work at Keystone Financial Services, we’re building a culture where relationships matter.
Get to know us
What Makes Us Different Than FINRA Based Firms?

How They Work

- vs -

How We Work

They are not fiduciaries.

We're fiduciaries, which means we are legally required to act in your best interest, 100% of the time.

Your investments could have hidden fees, revenue sharing, and commissions.

We are fee-only and we have a simple, transparent cost structure.

They sell proprietary products and they get paid more for selling them to you.

We have no proprietary products and we're not paid on commission. Instead, we work with you to build a portfolio that is right for you.

They may not have the education and experience your financial situation requires.

Our advisors are Certified Financial Planners, the gold standard for financial advisors and planners.

They are not independent.

We are a fully-independent Registered Investment Advisor firm.

They only look at your investments.

We look at your entire financial picture and build a plan that suits your needs.

Our Commitment
Determine Your Unique Risk Number®

Take the guesswork out of your financial future

Riskalyze is a cutting edge technology that helps you determine which levels of risk and reward work for you. Using this tool, we can better align your portfolio with your vision and help you clarify long-term goals for the future.
Find Out your Number
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Keystone Financial Services is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Keystone Financial Services and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Keystone Financial Services unless a client service agreement is in place.

The Certified Financial Planner (CFP®) designation is a voluntary certification that is recognized in the United States and a number of other countries for its (1) high standard of professional education, (2) stringent code of conduct and standards of practice, and (3) ethical requirements that govern professional engagements with clients.
CERTIFIED FINANCIAL PLANNER™ certification is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients’ best interests today to prepare them for a more secure tomorrow.
To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:

  • Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). The CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
  • Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
  • Complete a minimum of three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
  • Agree to be bound by the CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for the CFP® professionals.

Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:

  • Complete thirty hours of continuing education hours every two years, including two hours related to the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
  • Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.

CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, LLC.
These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

In accordance with Rule 206 (4)-1 of the Investment Advisers Act of 1940, our firm may provide a flat fee to participate in non-affiliated programs that seek to match prospective advisory clients with investment advisers. These programs provide information about investment advisory firms to consumers who have expressed an interest in such firms. The program also provides the name and contact information of such persons to the advisory firms as potential leads. The flat fee we pay for being provided with potential leads may vary depending on the region or territory we request to receive referrals in. Such compensation arrangements will not result in higher costs to the referred client. The following information will be disclosed clearly and prominently to referred prospective clients at the time of introduction to our firm:

  • Whether or not the unaffiliated program/person is a current client of our firm,
  • A description of the cash compensation provided by our firm to the unaffiliated person in exchange for the referral/endorsement, if applicable, and
  • A brief statement of any material conflicts of interest on the part of the unaffiliated person giving the referral resulting from our firm’s relationship with such unaffiliated person. 

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