Keystone Fiduciary Financial Planning and Tax Advisory

Keystone Fiduciary Financial Planning & Tax Advisory offers ongoing portfolio management and financial planning services, including preparation of client-specific Investment Policy Statements and tailored plans addressing investments, life insurance, tax concerns, retirement, college, estate, and debt/credit matters. The firm lists individuals, high-net-worth individuals, pension and profit-sharing plans, charitable organizations, and corporations as client types and states it provides discretionary and non-discretionary management where authorized.

The firm describes a multi-method investment approach—charting, cyclical, fundamental, modern portfolio theory, quantitative, and technical analysis—focused on long-term trading and generally limited to mutual funds, fixed income, real estate funds, equities and ETFs (including precious metal ETFs). It charges asset-based advisory fees and seeks discretionary authority to implement portfolios consistent with each client’s goals, risk tolerance, and time horizon through regular monitoring.

Noteworthy distinctions include that certain firm personnel are licensed as independent insurance agents and may receive commission-based compensation for insurance product sales, which the brochure identifies as a potential conflict of interest separate from advisory fees. The firm also requires clients to use Schwab Institutional as custodian and discloses receipt of research, technology and other soft-dollar benefits from Schwab; additionally, the brochure reports the firm was recently formed and, as of its January 2026 calculation, reported no assets under management or client accounts.