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They include 74 high-net-worth individuals and 43 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 27 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Keystone Financial Planning offer?","answer":"Keystone Financial Planning provides financial planning, portfolio management for individuals and small businesses, insurance, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Keystone Financial Planning charge?","answer":"Keystone Financial Planning charges 0.40%–1.00% a year for its Portfolio management services. The fee is billed in arrears and is negotiable.","source":"KEYSTONE FINANCIAL PLANNING INC ADV BROCHURE, filed 27 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Keystone Financial Planning use?","answer":"Keystone Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $354M and Nationwide Advisory Solutions (Columbus, OH), with $53.3M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Keystone Financial Planning have?","answer":"Keystone Financial Planning has 1 investment adviser representative registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Keystone Financial Planning invest in?","answer":"At the end of its last fiscal year, Keystone Financial Planning’s separately managed accounts held 58% registered funds (mutual funds, ETFs, BDCs), 41% exchange-traded equities and 1% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Keystone Financial Planning?","answer":"Keystone Financial Planning’s direct owners are Keith Sechler (50% to 75%) and Linda Borowiak (25% to 50%).","source":"Form ADV Part 1A, Schedules A and B, filed 27 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Keystone Financial Planning get paid?","answer":"Keystone Financial Planning is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Keystone Financial Planning?","answer":"Keystone Financial Planning’s main office is at 1991 Crocker Road, Suite 204, Westlake, OH 44145. Its phone number is 440-234-6323. 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}