Keystone Financial Services fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed May 27, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$500/hr

“In the event you terminate your Financial Planning Agreement before your Plan is delivered, we will bill you for the time spent in preparing your Plan based on an hourly rate not to exceed $500 per hour.”

Flat or project fee

$1,500⁠-⁠$15,000

“Generally, our fees are charged on a fixed fee basis between $1,500 - $15,000 depending on breadth of service and the complexity of the client’s situation.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Keystone Financial Services bills

Payment and refund terms, quoted from the fee section of the brochure.

• “The advisory fees are billed monthly, in arrears, based upon the average daily balance of the account(s).”
• “Your billing method is agreed to in advance of KEYSTONE FINANCIAL SERVICES MAY 2026 | PAGE 9 performing services and is agreed to and acknowledged in the Financial Planning Agreement executed by you and our firm.”
• “Fees can be paid via check to Keystone Financial or can be invoiced and processed through a third-party nonaffiliated service, AdvicePay.”

How Keystone Financial Services’ fees compare

• Its hourly rate of $500 is above the Colorado median of $300. 92% of the 231 other Colorado planners that publish an hourly rate charge less.
• 4 of the 4 other planners in Loveland that publish an hourly rate charge less.
• Its flat or project fee of $1,500-$15,000 spans the Colorado median of $5,250. 74% of the 214 other Colorado planners that publish a flat or project fee charge less.
• 3 of the 3 other planners in Loveland that publish a flat or project fee charge less.

About Keystone Financial Services

• Firm size: 4 employees.
• Registered as an adviser: 2020 (6 years).

Planning areas mentioned in the brochure

• Cash flow and budgeting

Firm details from Form ADV

How the firm is paid

Fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Minimum

$7,500 minimum fee (stated in brochure)

Clients

298

Employees

4

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other advisers, and educational seminars and workshops

Assets managed

$379,246,547

Registered with

U.S. Securities and Exchange Commission

Disciplinary disclosures

None reported

SEC CRD number

310623

Website

twitter.com/Keystone_Fin?advisorid=33004651 (opens in new tab)

Phone

(970) 744-5408

Can advise clients in 6 states: Arizona, California, Colorado, Nebraska, New Hampshire, Texas

Other planners in Loveland that publish fees

• Aspired WealthLoveland$100/hr, $2,400
• Journey Investments, LLCLoveland$200/hr, $2,500
• Thomas A. Paulson, JR., Dba, Thomas A. Paulson, JR., CPALoveland$150/hr, $1,000⁠-⁠$7,500/yr
• Vital Investment Management LLCLoveland$300/hr, $300

Compare all 6 planners in Loveland