Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Portfolio Management for Businesses or Institutional Clients
- Pension Consulting Services
- Other
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Pension & Profit Sharing Plans
- Charitable Organizations
- Corporations or Other Businesses Not Listed Above
- Other
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Fixed Fees (Other than subscription)
Keystone Financial Group, Inc. Overview
Keystone Financial Group, Inc. is a fee-only registered investment advisory firm headquartered in Atlanta, GA. Since its establishment in 2021, Keystone Financial has quickly established itself as a leading insurance broker/agent and investment advisor, offering expert financial planning advice and portfolio management services to its clients. Keystone Financial distinguishes itself from other firms by providing comprehensive investment advisory services, including portfolio management for individuals, small businesses, and institutional clients. The firm's experienced advisors work closely with clients to develop customized investment strategies that align with their unique objectives. In addition to portfolio management, Keystone Financial also offers pension consulting services for businesses looking to provide retirement plans for their employees. Through a thorough analysis of each client's needs and goals, Keystone Financial helps businesses design effective pension plans that balance financial efficiency and employee satisfaction. Keystone Financial's advisory consulting services round out its suite of offerings, providing clients with additional guidance on a range of financial topics, including tax planning, estate planning, and risk management. Clients value Keystone Financial's personalized approach, expertise, and commitment to helping them achieve their financial goals.
KEYSTONE FINANCIAL GROUP, INC. serves a wide variety of clients ranging from individuals to charitable organizations. Their clientele also includes high net worth individuals, pension or profit sharing plans, and other corporations. They also cater to other types of clients which might not be listed in the above categories. Their diverse portfolio of clients enables them to provide exceptional financial guidance across the spectrum. When it comes to fee structures, KEYSTONE FINANCIAL GROUP, INC. offers multiple options depending on the service provided. They offer a percentage of Assets Under Management (AUM) model, where clients are charged an annual percentage based on their total assets managed by the firm. Clients can also opt for an hourly fee structure, where they are charged based on the amount of time spent on their portfolios. Finally, KEYSTONE FINANCIAL GROUP, INC. offers a fixed fee model, where clients are charged a set amount for a particular service provided. This variety of fee structures ensures that clients can choose a payment plan that suits their financial needs and goals.
Typical Clients, Fee Structures & Investment Minimum
According to Keystone Financial Group, Inc.'s Part 2 Brochure, the firm does not mention any investment minimum. Therefore, it can be inferred that there is no set minimum amount that clients must invest with this firm. However, it is important to note that each individual client's investment strategy and goals will be taken into consideration when creating a personalized investment plan.
How This Office Can Help Nicholasville, KY Residents
Keystone Financial Group is a financial advisory firm that provides personalized financial solutions to clients in Nicholasville, KY. The firm understands that different people have different financial situations and therefore offers a wide range of services, including retirement planning, investment management, estate planning, tax planning, and risk management. The financial advisors at Keystone Financial Group work closely with clients to understand their short-term and long-term financial goals and develop strategies for achieving them. One specific financial situation that someone living in Nicholasville, KY might be facing is saving for retirement. Many people in Nicholasville work in industries such as healthcare, manufacturing, and education, and may have access to employer-sponsored retirement plans like a 401(k) or a 403(b). Keystone Financial Group can help clients make the most of these plans, by advising them on how much to contribute, selecting the right investment options, and staying on track to meet their retirement goals. Additionally, the firm can recommend other retirement savings vehicles such as IRAs or annuities, to provide additional income during retirement.
Services Offered by Keystone Financial Group, Inc.
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Keystone Financial Group, Inc. most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Unavailable
Subscription (Newsletter or Periodical)
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
Firm Headquarters
This firm has no other locations.
State Registrations
Keystone Financial Group, Inc. is registered to service clients in the following states:
- Georgia
Disciplinary History
Keystone Financial Group, Inc. does not have any disclosures. Please visit it's Form ADV for more details.