Keystone Financial Planning, Inc.

Registered adviser

CIK

1596906

Location

CLEVELAND, OH

Portfolio Value

Small $389,521,327

Diversification

Highly concentrated

Filing Date

Global Rank

#4,360 / 8,811 ▼ 460 · as of Jun 2026

Top Industry

Drug Manufacturers - General 15.2%

Period ended 21 days ago

Filed Oct 8, 2026 · 13d

27 quarters · since Mar 2020

Regulatory profile

From Form ADV, the SEC filer profile, 13D/13G type codes and N-CEN, never from the name.

Holder type

Registered adviser

Form ADV roster, Oct 1, 2026

Form ADV adviser

CRD 104640

Roster of Oct 1, 2026

Regulatory AUM

$406,936,329

Main clients

Individuals and high net worth (100% of AUM)

Form ADV history

Monthly rosters from Dec 2019; each row is a run with the same figures, newest first.

Rosters	Regulatory AUM	Main clients
Mar 2026 to Oct 2026	$406,936,329	Individuals and high net worth (100%)
Apr 2025 to Feb 2026	$377,461,027	Individuals and high net worth (100%)
Apr 2024 to Mar 2025	$351,183,124	Individuals and high net worth (100%)
May 2023 to Mar 2024	$342,949,889	Individuals and high net worth (100%)
Apr 2023	$342,949,889	Individuals and high net worth (100%)
Apr 2022 to Mar 2023	$336,871,318	Individuals and high net worth (100%)

3 earlier changes not shown.

Portfolio style

Measured from the filed 13F common-share book for Jun 30, 2026, the newest measured quarter, never from the firm's own description.

Style

Concentrated

The top 10 positions are 76.6% of the book (60%+)

Turnover

Low turnover

25.5% over the last four quarters (under 30%)

Horizon

Long horizon

Value-weighted holding period 22.3 quarters (12+), a floor since 75.2% of the book was already held when coverage starts

Closest benchmark: the S&P 500 as of 2026-06-30, active share 91.6%; sector active share 53.1% against the combined 13F book's sector weights.

Over time 26 measured quarters

How the bands are measured

Style bands measure the filed 13F common-share book each closed quarter, tested in this order. Unknown: under $10,000,000 of valued equity or 5 stocks. Index-like (100+ stocks): active share of 20% or less against the closest benchmark, which is the S&P 500, S&P MidCap 400, S&P SmallCap 600, Russell 1000, Russell 2000, Nasdaq-100 or Dow Jones Industrial Average (weighted by an index-tracking fund's reported holdings or the index's constituents nearest the quarter end, over the names resolved to companies, and only when those are 90%+ of its weight) or every 13F filer's combined book, or index series holding 80%+ of the registered fund assets it advises (N-CEN) and equal to 50%+ of its book. Systematic-like: 500+ stocks, 100%+ annual turnover and a top 10 weight of 25% or less. Concentrated: a top 10 weight of 60%+ or 12 or fewer effective positions. Diversified active: none of these. Turnover is the smaller of buys and sells over average equity value, summed over four quarters: low under 30%, high 100%+. Horizon is the value-weighted number of quarters each position has been held: short under 4, long 12+.

Clone Performance

Build a hypothetical price-return history from this filer's public 13F holdings.

View clone backtest

Portfolio Concentration

39 tracked positions · as of Sep 30, 2026 · Δ vs Jun 30, 2026

Top Position

52.4%

+1.4 pts

Top 5

66.8%

+3.0 pts

Top 10

80.1%

+3.4 pts

HHI

2,868

Highly concentrated+147

Portfolio Trend

27 quarters · across all stocks

Sector Breakdown

As of Sep 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	52.6%	$204,715,671	4
Financial Services	12.1%	$47,238,629	6
Consumer Defensive	9.1%	$35,625,481	7
Healthcare	7.4%	$28,952,050	8
Energy	6.3%	$24,417,745	2
Technology	4.1%	$15,929,732	2
Communication Services	3.2%	$12,278,347	2
Utilities	2.8%	$10,891,942	3
Industrials	1.3%	$4,996,861	2
Consumer Cyclical	1.1%	$4,474,869	3

Last Quarter's Activity

Export CSV

Sep 30, 2026 vs Jun 30, 2026

Added To

Positions the filer increased

7 positions

Ticker	Company	Δ Shares	Shares	Value
—		+61,986	156,554	$0
SCHD	Schwab U.S. Dividend Equity ETF	+29,169	6,279,518	$204,272,720
—		+21,918	219,348	$0
GSK	GSK plc	+15,642	211,232	$10,175,045
MSFT	Microsoft Corp	+620	27,488	$14,098,595
CME	Cme Group Inc.	+45	43,310	$11,346,353
TJX	Tjx Companies Inc /De/	+15	4,268	$564,699
No positions match the current search.

Trimmed

Positions the filer reduced

22 positions

Ticker	Company	Δ Shares	Shares	Value
PFE	Pfizer Inc	−2,208	239,885	$6,841,520
VZ	Verizon Communications Inc	−2,057	232,816	$10,679,269
BMY	Bristol Myers Squibb Co	−1,594	155,174	$9,682,857
BNS	Bank Of Nova Scotia	−1,521	134,967	$12,260,402
BTI	British American Tobacco p.l.c.	−1,367	163,906	$8,916,486
USB	US Bancorp De	−1,158	225,202	$13,007,667
TROW	Price T Rowe Group Inc	−705	66,572	$6,926,816
BEN	Franklin Templeton Inc	−624	105,146	$3,377,289
KO	Coca Cola Co	−553	35,137	$3,024,592
GPC	Genuine Parts Co	−536	20,228	$2,543,468
UPS	United Parcel Service Inc	−486	44,446	$4,153,034
PNW	Pinnacle West Capital Corp	−447	13,510	$1,256,970
UL	Unilever PLC	−323	160,199	$9,728,885
CVX	Chevron Corp	−315	81,529	$16,649,037
HLN	Haleon plc	−303	48,842	$439,578
XOM	ExxonMobil Holdings Corp	−260	47,734	$7,768,708
IBM	International Business Machines Corp	−193	8,326	$1,831,137
PM	Philip Morris International Inc.	−160	25,084	$4,786,528
T	At&T Inc.	−139	65,536	$1,599,078
MCD	Mcdonalds Corp	−128	5,918	$1,366,702
LMT	Lockheed Martin Corp	−75	1,657	$843,827
MO	Altria Group, Inc.	−34	105,453	$7,101,205
No positions match the current search.

New Positions

Positions the filer opened this quarter

1 positions

Ticker	Company	Shares	Value	Open
PPL	PPL Corp	282,743	$9,299,417
No positions match the current search.

Sold Out

Positions the filer fully exited

1 positions

Ticker	Company	Shares	Value	Open
MDT	Medtronic plc	126,411	$9,889,132
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

39 tracked positions · $389,521,327 total · filing declares 39 positions · $403,850,248 · as of Sep 30, 2026

All sectors Communication Services Consumer Cyclical Consumer Defensive Energy Financial Services Healthcare Industrials Technology Utilities

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
SCHD	Schwab U.S. Dividend Equity ETF	Added	6,279,518	+29,169	$204,272,720	+3.1%	52.44%
CVX	Chevron Corp Energy	Reduced	81,529	-315	$16,649,037	+22.7%	4.27%
MSFT	Microsoft Corp Technology	Added	27,488	+620	$14,098,595	+40.7%	3.62%
USB	US Bancorp De Financial Services	Reduced	225,202	-1,158	$13,007,667	−4.9%	3.34%
BNS	Bank Of Nova Scotia Financial Services	Reduced	134,967	-1,521	$12,260,402	+3.4%	3.15%
CME	Cme Group Inc. Financial Services	Added	43,310	+45	$11,346,353	+18.8%	2.91%
VZ	Verizon Communications Inc Communication Services	Reduced	232,816	-2,057	$10,679,269	+7.4%	2.74%
GSK	GSK plc Healthcare	Added	211,232	+15,642	$10,175,045	−0.8%	2.61%
UL	Unilever PLC Consumer Defensive	Reduced	160,199	-323	$9,728,885	+0.8%	2.50%
BMY	Bristol Myers Squibb Co Healthcare	Reduced	155,174	-1,594	$9,682,857	+7.2%	2.49%
PPL	PPL Corp Utilities	NEW	282,743	NEW	$9,299,417	NEW	2.39%
BTI	British American Tobacco p.l.c. Consumer Defensive	Reduced	163,906	-1,367	$8,916,486	−12.6%	2.29%
XOM	ExxonMobil Holdings Corp Energy	Reduced	47,734	-260	$7,768,708	+18.4%	1.99%
MO	Altria Group, Inc. Consumer Defensive	Reduced	105,453	-34	$7,101,205	−6.4%	1.82%
TROW	Price T Rowe Group Inc Financial Services	Reduced	66,572	-705	$6,926,816	−9.4%	1.78%
PFE	Pfizer Inc Healthcare	Reduced	239,885	-2,208	$6,841,520	+17.4%	1.76%
PM	Philip Morris International Inc. Consumer Defensive	Reduced	25,084	-160	$4,786,528	+4.8%	1.23%
UPS	United Parcel Service Inc Industrials	Reduced	44,446	-486	$4,153,034	−14.0%	1.07%
BEN	Franklin Templeton Inc Financial Services	Reduced	105,146	-624	$3,377,289	−4.0%	0.87%
KO	Coca Cola Co Consumer Defensive	Reduced	35,137	-553	$3,024,592	+4.3%	0.78%
GPC	Genuine Parts Co Consumer Cyclical	Reduced	20,228	-536	$2,543,468	+3.8%	0.65%
IBM	International Business Machines Corp Technology	Reduced	8,326	-193	$1,831,137	−23.6%	0.47%
T	At&T Inc. Communication Services	Reduced	65,536	-139	$1,599,078	+17.6%	0.41%
MCD	Mcdonalds Corp Consumer Cyclical	Reduced	5,918	-128	$1,366,702	−16.4%	0.35%
PG	PROCTER & GAMBLE Co Consumer Defensive	Held	9,021	0	$1,310,570	−0.9%	0.34%
PNW	Pinnacle West Capital Corp Utilities	Reduced	13,510	-447	$1,256,970	−15.8%	0.32%
SNY	Sanofi Healthcare	Held	21,872	0	$901,782	−3.4%	0.23%
LMT	Lockheed Martin Corp Industrials	Reduced	1,657	-75	$843,827	−4.4%	0.22%
CL	Colgate Palmolive Co Consumer Defensive	Held	8,875	0	$757,215	−6.9%	0.19%
TJX	Tjx Companies Inc /De/ Consumer Cyclical	Added	4,268	+15	$564,699	−12.4%	0.14%
VNQ	VANGUARD REAL ESTATE INDEX FUND	Held	4,942	0	$442,951	−7.1%	0.11%
HLN	Haleon plc Healthcare	Reduced	48,842	-303	$439,578	−4.1%	0.11%
CVS	CVS HEALTH Corp Healthcare	Held	4,521	0	$387,404	−17.2%	0.10%
PEG	Public Service Enterprise Group Inc Utilities	Held	4,983	0	$335,555	−17.0%	0.09%
BAC	Bank Of America Corp /De/ Financial Services	Held	5,881	0	$320,102	−4.5%	0.08%
NVO	Novo Nordisk A S Healthcare	Held	7,014	0	$265,900	−20.9%	0.07%
AMGN	Amgen Inc Healthcare	Held	612	0	$257,964	+16.4%	0.07%
		Added	219,348	+21,918	$0	−100.0%	0.00%
		Added	156,554	+61,986	$0	−100.0%	0.00%

Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.