Investment Management
Your investments should move in the same direction as your goals. At Keystone Financial Management, we help you put purpose behind every dollar—so your portfolio supports the life you’re building. Our approach is simple: thoughtful planning, consistent monitoring, and steady guidance through whatever the market brings.
Investing For Every Stage
No matter where you are in your financial journey—building your portfolio, preparing for retirement, or managing what you’ve built—we’ll meet you there. Our fiduciary approach to wealth management evolves with you so your investments align with what matters most to you.
How We Can Help
portfolio design
We create portfolios that fit your goals and comfort level—built to balance opportunity and protection through every season of life.
Tax-Efficient Strategies
Smart investing means thinking beyond returns. We design portfolios that consider tax impact and work hand in hand with your overall financial plan.
Ongoing Monitoring
Your investments deserve regular attention. We keep a close eye on performance, make adjustments when needed, and make sure your strategy stays aligned with what matters most to you.
Our Philosophy
Good investing is about staying focused on what you can control. As fiduciary advisors, we believe in structure, discipline, and access to experienced money managers backed by ongoing research and review. We also coordinate across all of your accounts—managed or not—so everything works together toward your bigger picture.
Our goal is to keep you informed, confident, and invested in a plan that makes sense for you.
“We were unhappy with the lack of communication at Fidelity, so we turned to Eric—and it was the best decision we made. Eric, Joey, and Barb are always just a call or email away and provide clear, personal, and reliable guidance. They take the time to explain everything in terms we can understand. We highly recommend Keystone to anyone looking for genuine, attentive service.”
C. and B. Kress, Clients Since 2024
*Non compensated client testimonial; may not be representative of all client experiences; no guarantee of future performance or success.
Frequently Asked Questions
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No, we don’t have a set minimum to invest; however, the investments we consider may have minimums that need to be met to access them.
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We match investments to your goals and situation, then filter the options based on quality, cost, and fit. Every recommendation is researched, reviewed, and chosen to support your long-term strategy.
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Your overall investment costs may vary based on the kinds of investments and accounts you hold, the total amount invested, and the scope of service and guidance we provide.
For investment advisory accounts, we’re compensated through a transparent advisory fee. This fee includes continuous management and personalized guidance under a fiduciary relationship – meaning we’re always required to act in your best interest.
Advisory fees are deducted quarterly, and the annual rates shown below are based on the total value of accounts enrolled in our advisory programs. Additional program fees may apply depending on the specific investment portfolios selected.
Household Portfolio Balance - Advisory Fee
$5,500 - $250,000 1.25%
$250,000-$1M 1.00%
$1M-$2M 0.90%
$2-$5M 0.80%
$5M+ negotiated
Commissionable products (such as certain annuities or mutual funds) have costs set by the investment or annuity companies themselves.
We’re always happy to share our full disclosures (ADVs) and walk you through exactly how costs work before you invest and throughout our relationship.
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We’ll guide you through every step of the process to make sure your transfer is smooth and in your best interest.
Retirement & Non-Retirement Accounts:
In most cases, you’ll complete paperwork to open an account and approve the transfer of your current holdings. Most transfers are made in kind, meaning your investments move over as they are until we decide together if any changes are needed. In some cases—such as directly held mutual funds or annuities—you can simply sign a change of advisor/representative form to add one of our advisors to your account.Employer Plan Rollovers (401(k), 403(b), Pension Plans, etc.):
Before we begin, we’ll confirm that a rollover from your employer plan is the right move for you. If it is, we’ll handle the process from start to finish—explaining the pros and cons, preparing the paperwork, and coordinating with your plan provider. Depending on the plan, this can be done online, over the phone, or by paper form.
We make sure everything is completed carefully, correctly, and with as little disruption as possible.
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We have access to a wide range of investment options to help you reach your goals. These include professionally managed portfolios, mutual funds, exchange-traded funds (ETFs), individual stocks and bonds, short-term cash alternatives like money market funds and CDs, and various types of annuities (fixed, indexed, and variable).
Every recommendation is based on your specific needs and strategy—not on any one product.
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Yes. For brokerage accounts, you’ll have a secure portal where you can check your accounts anytime. For non-brokerage accounts, we provide an additional client portal that lets you view all of your accounts managed through Keystone in one place.
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Your security is a top priority. We use encrypted client portals, secure document sharing, and industry-leading cybersecurity protocols to keep your personal and financial information safe. You can feel confident knowing your data is protected every step of the way.