Keystone Financial Services

CIK

1865158

Location

LOVELAND, CO

Portfolio Value

Micro $53,651,290

Diversification

Diversified

Filing Date

Global Rank

#6,739 / 8,603 ▲ 70 · as of Mar 2026

Top Industry

Banks - Diversified 11.1%

3Y Alpha vs SPY

-2.3%

Period ended 3 months ago

Filed May 6, 2026 · 2mo

18 quarters · since Dec 2021

Clone Performance

Jul 2023–Jul 2026 · vs SPY

Hypothetical growth of cloning every reported 13F position and rebalancing on each filing, indexed to the same start.

Cloned portfolio

+70.7%

SPY

+76.0%

Annualised alpha

-1.2%

Max drawdown

−15.4%

Estimate. 13F holdings are quarter-lagged and long-only, so the clone rebalances about 45 days after each period end — when the filing becomes public — and excludes options and short positions. Past performance does not predict future results.

Portfolio Concentration

72 positions · as of Mar 31, 2026 · Δ vs Dec 31, 2025

Top Position

5.8%

−3.7 pts

Top 5

22.7%

−5.1 pts

Top 10

38.7%

−4.4 pts

HHI

247

Diversified−48

Portfolio Trend

18 quarters · across all stocks

Sector Breakdown

As of Mar 31, 2026

Sector	% Portfolio	Value	Positions
Financial Services	24.7%	$13,230,472	13
Technology	19.8%	$10,619,281	15
Healthcare	12.1%	$6,512,272	9
Communication Services	9.7%	$5,177,583	6
Industrials	7.5%	$4,048,403	8
Consumer Defensive	7.3%	$3,919,448	5
Unclassified	7.3%	$3,895,035	4
Consumer Cyclical	6.1%	$3,286,994	7
Energy	3.9%	$2,103,695	3
Basic Materials	1.1%	$605,911	1
Utilities	0.5%	$252,196	1

Last Quarter's Activity

Export CSV

Mar 31, 2026 vs Dec 31, 2025

Added To

Positions the filer increased

25 positions

Ticker	Company	Δ Shares	Shares	Value
CMCSA	Comcast Corp	+4,197	36,719	$1,054,201
AMZN	Amazon Com Inc	+3,145	7,708	$1,605,344
OMC	Omnicom Group Inc.	+1,763	9,358	$704,749
SCHW	Schwab Charles Corp	+1,515	21,677	$2,037,203
BDX	Becton Dickinson & Co	+1,338	6,699	$1,053,282
UL	Unilever PLC	+1,324	15,948	$908,556
SNY	Sanofi	+1,227	15,866	$764,423
COP	Conocophillips	+1,112	11,000	$1,452,000
PM	Philip Morris International Inc.	+1,025	13,005	$2,150,244
MDT	Medtronic plc	+970	9,794	$848,648
MSFT	Microsoft Corp	+780	4,912	$1,818,273
KMX	Carmax Inc	+777	12,325	$512,472
WH	Wyndham Hotels & Resorts, Inc.	+562	3,211	$260,828
YUMC	Yum China Holdings, Inc.	+532	6,218	$303,313
EXPE	Expedia Group, Inc.	+419	1,158	$267,370
AVGO	Broadcom Inc.	+401	4,995	$1,546,002
ELV	Elevance Health, Inc.	+400	2,031	$594,574
GD	General Dynamics Corp	+318	3,395	$1,165,230
V	Visa Inc.	+237	3,101	$937,245
SOFI	SoFi Technologies, Inc.	+231	10,176	$161,594
BRK-B	Berkshire Hathaway Inc	+217	6,486	$3,108,090
SPY	Spdr S&P 500 ETF Trust	+215	1,241	$807,071
QCOM	Qualcomm Inc/De	+213	2,093	$269,535
PEP	Pepsico Inc	+201	2,431	$377,509
META	Meta Platforms, Inc.	+199	3,540	$2,025,339
No positions match the current search.

Trimmed

Positions the filer reduced

17 positions

Ticker	Company	Δ Shares	Shares	Value
IAU	Ishares Gold Trust	−39,534	25,673	$2,263,331
EBAY	Ebay Inc	−5,725	2,818	$256,493
WBD	Warner Bros. Discovery, Inc.	−2,421	9,912	$272,182
GLW	Corning Inc /Ny	−1,091	2,062	$280,369
WFC	Wells Fargo & Company/Mn	−995	17,733	$1,411,723
NVS	Novartis AG	−849	7,059	$1,078,261
ORCL	Oracle Corp	−749	3,387	$498,260
ENB	Enbridge Inc	−628	6,455	$349,473
ADI	Analog Devices Inc	−345	3,710	$1,180,298
BNY	Bank of New York Mellon Corp	−211	10,438	$1,238,258
NTRS	Northern Trust Corp	−209	2,218	$309,565
AMAT	Applied Materials Inc /De	−189	4,688	$1,602,310
C	Citigroup Inc	−109	2,311	$262,089
ANET	Arista Networks, Inc.	−93	2,188	$268,642
APH	Amphenol Corp /De/	−90	2,450	$309,557
RTO	Rentokil Initial PLC /Fi	−27	12,395	$390,194
MA	Mastercard Inc	−2	412	$205,859
No positions match the current search.

New Positions

Positions the filer opened this quarter

11 positions

Ticker	Company	Shares	Value
FERG	Ferguson Enterprises Inc. /DE/	2,641	$616,039
AMRZ	Amrize Ltd	10,816	$605,911
AON	Aon plc	1,453	$468,998
ACN	Accenture plc	2,306	$457,255
HWM	Howmet Aerospace Inc.	1,152	$265,489
CRUS	Cirrus Logic, Inc.	1,699	$245,708
EME	EMCOR Group, Inc.	322	$237,735
HSY	Hershey Co	1,115	$231,796
CBOE	Cboe Global Markets, Inc.	786	$220,920
SNDA	Sonida Senior Living, Inc.	6,648	$214,398
WDC	Western Digital Corp	749	$202,596
No positions match the current search.

Sold Out

Positions the filer fully exited

15 positions

Ticker	Company	Shares	Value
BAC	Bank Of America Corp /De/	12,456	$685,080
APP	AppLovin Corp	395	$266,158
NFG	National Fuel Gas Co	3,012	$241,140
WMB	Williams Companies, Inc.	3,869	$232,565
HHH	Howard Hughes Holdings Inc.	2,874	$229,258
EVR	Evercore Inc.	652	$221,843
COF	Capital One Financial Corp	907	$219,820
CEG	Constellation Energy Corp	616	$217,614
CVS	CVS HEALTH Corp	2,733	$216,890
AYI	Acuity Inc. (De)	601	$216,383
BABA	Alibaba Group Holding Ltd	1,445	$211,808
GM	General Motors Co	2,565	$208,585
GWRE	Guidewire Software, Inc.	1,017	$204,426
CI	Cigna Group	741	$203,945
SF	Stifel Financial Corp	1,662	$138,742
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

72 positions · $53,651,290 total · as of Mar 31, 2026

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

Showing 1–50 of 72 positions by value · page 1 of 2

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
BRK-B	Berkshire Hathaway Inc Financial Services	Added	6,486	+217	$3,108,090	−1.4%	5.79%
JPM	Jpmorgan Chase & Co Financial Services	Added	8,849	+33	$2,603,020	−8.4%	4.85%
IAU	Ishares Gold Trust	Reduced	25,673	-39,534	$2,263,331	−57.2%	4.22%
PM	Philip Morris International Inc. Consumer Defensive	Added	13,005	+1,025	$2,150,244	+11.9%	4.01%
SCHW	Schwab Charles Corp Financial Services	Added	21,677	+1,515	$2,037,203	+1.1%	3.80%
META	Meta Platforms, Inc. Communication Services	Added	3,540	+199	$2,025,339	−8.2%	3.78%
MSFT	Microsoft Corp Technology	Added	4,912	+780	$1,818,273	−9.0%	3.39%
AMZN	Amazon Com Inc Consumer Cyclical	Added	7,708	+3,145	$1,605,344	+52.4%	2.99%
AMAT	Applied Materials Inc /De Technology	Reduced	4,688	-189	$1,602,310	+27.8%	2.99%
AVGO	Broadcom Inc. Technology	Added	4,995	+401	$1,546,002	−2.8%	2.88%
COP	Conocophillips Energy	Added	11,000	+1,112	$1,452,000	+56.9%	2.71%
WFC	Wells Fargo & Company/Mn Financial Services	Reduced	17,733	-995	$1,411,723	−19.1%	2.63%
MCK	Mckesson Corp Healthcare	Added	1,578	+110	$1,365,537	+13.4%	2.55%
AAPL	Apple Inc. Technology	Added	4,980	+85	$1,263,874	−5.0%	2.36%
BNY	Bank of New York Mellon Corp Financial Services	Reduced	10,438	-211	$1,238,258	+0.2%	2.31%
ADI	Analog Devices Inc Technology	Reduced	3,710	-345	$1,180,298	+7.3%	2.20%
GD	General Dynamics Corp Industrials	Added	3,395	+318	$1,165,230	+12.5%	2.17%
NVS	Novartis AG Healthcare	Reduced	7,059	-849	$1,078,261	−1.1%	2.01%
CMCSA	Comcast Corp Communication Services	Added	36,719	+4,197	$1,054,201	+15.7%	1.96%
BDX	Becton Dickinson & Co Healthcare	Added	6,699	+1,338	$1,053,282	+28.8%	1.96%
V	Visa Inc. Financial Services	Added	3,101	+237	$937,245	−6.7%	1.75%
UL	Unilever PLC Consumer Defensive	Added	15,948	+1,324	$908,556	−5.0%	1.69%
GOOGL	Alphabet Inc. Communication Services	Added	3,057	+178	$879,070	−2.4%	1.64%
MDT	Medtronic plc Healthcare	Added	9,794	+970	$848,648	+0.1%	1.58%
SPY	Spdr S&P 500 ETF Trust	Added	1,241	+215	$807,071	+15.4%	1.50%
SNY	Sanofi Healthcare	Added	15,866	+1,227	$764,423	+7.8%	1.42%
OMC	Omnicom Group Inc. Communication Services	Added	9,358	+1,763	$704,749	+14.9%	1.31%
RTX	RTX Corp Industrials	Added	3,600	+1	$694,439	+5.2%	1.29%
QQQ	Invesco Qqq Trust, Series 1	Held	1,077	0	$621,622	−6.0%	1.16%
FERG	Ferguson Enterprises Inc. /DE/ Industrials	NEW	2,641	NEW	$616,039	NEW	1.15%
AMRZ	Amrize Ltd Basic Materials	NEW	10,816	NEW	$605,911	NEW	1.13%
ELV	Elevance Health, Inc. Healthcare	Added	2,031	+400	$594,574	+4.0%	1.11%
KMX	Carmax Inc Consumer Cyclical	Added	12,325	+777	$512,472	+14.8%	0.96%
ORCL	Oracle Corp Technology	Reduced	3,387	-749	$498,260	−38.2%	0.93%
AON	Aon plc Financial Services	NEW	1,453	NEW	$468,998	NEW	0.87%
ACN	Accenture plc Technology	NEW	2,306	NEW	$457,255	NEW	0.85%
TSM	Taiwan Semiconductor Manufacturing Co Ltd Technology	Added	1,276	+22	$431,223	+13.2%	0.80%
RTO	Rentokil Initial PLC /Fi Industrials	Reduced	12,395	-27	$390,194	+6.6%	0.73%
PEP	Pepsico Inc Consumer Defensive	Added	2,431	+201	$377,509	+18.0%	0.70%
ENB	Enbridge Inc Energy	Reduced	6,455	-628	$349,473	+3.2%	0.65%
ALLE	Allegion plc Industrials	Added	2,390	+4	$347,242	−8.6%	0.65%
COR	Cencora, Inc. Healthcare	Added	1,082	+21	$339,898	−5.1%	0.63%
MTZ	Mastec Inc Industrials	Added	1,032	+32	$332,035	+52.8%	0.62%
NTRS	Northern Trust Corp Financial Services	Reduced	2,218	-209	$309,565	−6.6%	0.58%
APH	Amphenol Corp /De/ Technology	Reduced	2,450	-90	$309,557	−9.8%	0.58%
YUMC	Yum China Holdings, Inc. Consumer Cyclical	Added	6,218	+532	$303,313	+11.7%	0.57%
FANG	Diamondback Energy, Inc. Energy	Added	1,528	+86	$302,222	+39.4%	0.56%
GLW	Corning Inc /Ny Technology	Reduced	2,062	-1,091	$280,369	+1.6%	0.52%
WBD	Warner Bros. Discovery, Inc. Communication Services	Reduced	9,912	-2,421	$272,182	−23.4%	0.51%
QCOM	Qualcomm Inc/De Technology	Added	2,093	+213	$269,535	−16.2%	0.50%