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The fee is billed in arrears, is negotiable and has a $7,500 annual minimum.","source":"PART 2A BROCHURE, filed 27 May 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Keystone Financial Services use?","answer":"Keystone Financial Services’ separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $281M and Charles Schwab & Co., Inc. (Westlake, TX), with $95.7M. 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 May 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Keystone Financial Services have?","answer":"Keystone Financial Services has 4 investment adviser representatives registered with state securities authorities, out of 4 employees, and 4 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 Services invest in?","answer":"At the end of its last fiscal year, Keystone Financial Services’ separately managed accounts held 77% registered funds (mutual funds, ETFs, BDCs), 19% exchange-traded equities, 3% cash and equivalents and 1% pooled vehicles (private funds and similar).","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 Services?","answer":"Keystone Financial Services’ direct owner is Joshua Nelson (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 27 May 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Keystone Financial Services get paid?","answer":"Keystone Financial Services is paid through a percentage of assets under management and fixed fees. 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