Keystone Investment Advisors, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$66,494,843
Clients
54
39% high-net worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
54
HighAverage account size
$1,231,386
About
Keystone serves individual and high‑net‑worth clients, as well as trusts, estates and other entities, providing ongoing investment management alongside comprehensive financial planning services such as retirement, tax, education and estate planning. The firm operates on a fee‑only basis and also offers standalone financial plans and hourly, limited‑scope engagements in addition to continuous asset management.
Its investment approach emphasizes strategic asset allocation implemented with a core‑and‑satellite framework, using passively managed index funds and ETFs for core exposure and selectively adding active managers in satellite positions; investments are typically held in no‑load or load‑waived mutual funds and ETFs through discount broker custodians. Keystone formalizes client objectives in written investment policy statements, generally manages accounts on a discretionary basis under limited trading authority, and performs quarterly reviews with periodic net‑worth reporting.
Distinctive features for a small advisory team include an advisory practice that explicitly does not sell securities or accept commissions, a policy that leaves proxy voting to clients rather than the firm, and routine personal‑trading oversight by the firm’s compliance program. The firm’s brochure also discloses a regulatory matter (Docket No. 180079, Dec. 7, 2018) noting a failure by the firm and its principals to file a GAAP balance sheet within the required timeframe.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
General tax planning
College savings (529s, UTMA, etc.)
Passive / index investing
Fee options
Financial planning fees range from $500 to $5,000, negotiable, billed 50% in advance and balance upon delivery.
$0 - $200,000: Up to 2.00% $200,001 - $2,000,000: Up to 1.50% $2,000,001 - $5,000,000: Up to 1.00% $5,000,001+: Up to 0.75%
Up to $250.00 per hour for follow-on implementation work or limited scope engagements.
Account minimum: $200,000.00 Fee-only: Fee-only financial planning and investment management; no commissions or sales of securities.
Main office location
Keystone Investment Advisors, LLC
10521 Perry Highway, Suite 310
Wexford PA 15090, United States
Number of offices
1
Most active in
Keystone Investment Advisors, LLC has reported serving >5 clients in these states in the last 12 months.
Pennsylvania
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")