Compliance DIrector

0001865158-24-000001.txt : 20240129 0001865158-24-000001.hdr.sgml : 20240129 20240129164336 ACCESSION NUMBER: 0001865158-24-000001 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20231231 FILED AS OF DATE: 20240129 DATE AS OF CHANGE: 20240129 EFFECTIVENESS DATE: 20240129 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Keystone Financial Services CENTRAL INDEX KEY: 0001865158 ORGANIZATION NAME: IRS NUMBER: 274282782 STATE OF INCORPORATION: CO FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-21556 FILM NUMBER: 24574266 BUSINESS ADDRESS: STREET 1: 4090 CLYDESDALE PARKWAY STREET 2: SUITE 201 CITY: LOVELAND STATE: CO ZIP: 80538 BUSINESS PHONE: 970-744-5408 MAIL ADDRESS: STREET 1: 4090 CLYDESDALE PARKWAY STREET 2: SUITE 201 CITY: LOVELAND STATE: CO ZIP: 80538 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false true false 0001865158 XXXXXXXX 12-31-2023 12-31-2023 Keystone Financial Services

4090 CLYDESDALE PARKWAY SUITE 201 LOVELAND CO 80538

13F HOLDINGS REPORT 028-21556 000310623 801-119534 N Benjamen Rothwell Compliance DIrector 720-909-3214 Benjamen Rothwell Neskowin OR 01-29-2024 0 190 211636686 false INFORMATION TABLE 2 13fkeystonefinancial12312023.xml 4Q23 13F ALLEGION PLC ORD SHS G0176J109 18243 144 SH SOLE 0 0 0 144 ALLEGION PLC ORD SHS G0176J109 199157 1572 SH SOLE 0 0 0 1572 ALPHABET INC CAP STK CL C 02079K107 1143619 8115 SH SOLE 0 0 0 8115 ALPHABET INC CAP STK CL C 02079K107 10993 78 SH SOLE 0 0 0 78 ALPHABET INC CAP STK CL C 02079K107 600926 4264 SH SOLE 0 0 0 4264 ALPHABET INC CAP STK CL A 02079K305 287203 2056 SH SOLE 0 0 0 2056 ALPHABET INC CAP STK CL A 02079K305 31710 227 SH SOLE 0 0 0 227 ANALOG DEVICES INC COM 032654105 545743 2749 SH SOLE 0 0 0 2749 ANALOG DEVICES INC COM 032654105 5560 28 SH SOLE 0 0 0 28 ANALOG DEVICES INC COM 032654105 71283 359 SH SOLE 0 0 0 359 APPLE INC COM 037833100 743249 3860 SH SOLE 0 0 0 3860 BANK AMERICA CORP COM 060505104 277882 8253 SH SOLE 0 0 0 8253 BANK AMERICA CORP COM 060505104 2862 85 SH SOLE 0 0 0 85 BANK AMERICA CORP COM 060505104 37037 1100 SH SOLE 0 0 0 1100 BANK NEW YORK MELLON CORP COM 064058100 318415 6117 SH SOLE 0 0 0 6117 BANK NEW YORK MELLON CORP COM 064058100 2863 55 SH SOLE 0 0 0 55 BANK NEW YORK MELLON CORP COM 064058100 203307 3906 SH SOLE 0 0 0 3906 BECTON DICKINSON & CO COM 075887109 422257 1732 SH SOLE 0 0 0 1732 BECTON DICKINSON & CO COM 075887109 4389 18 SH SOLE 0 0 0 18 BECTON DICKINSON & CO COM 075887109 220910 906 SH SOLE 0 0 0 906 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1956494 5486 SH SOLE 0 0 0 5486 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 17120 48 SH SOLE 0 0 0 48 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 841718 2360 SH SOLE 0 0 0 2360 BLACKROCK ETF TRUST US CARBON TRANS 09290C509 159218 3042 SH SOLE 0 0 0 3042 BLACKROCK ETF TRUST US CARBON TRANS 09290C509 922124 17618 SH SOLE 0 0 0 17618 BOOKING HOLDINGS INC COM 09857L108 617216 174 SH SOLE 0 0 0 174 BOOKING HOLDINGS INC COM 09857L108 7094 2 SH SOLE 0 0 0 2 BOOKING HOLDINGS INC COM 09857L108 595933 168 SH SOLE 0 0 0 168 BROADRIDGE FINL SOLUTIONS IN COM 11133T103 16666 81 SH SOLE 0 0 0 81 BROADRIDGE FINL SOLUTIONS IN COM 11133T103 316855 1540 SH SOLE 0 0 0 1540 CARMAX INC COM 143130102 424971 5538 SH SOLE 0 0 0 5538 CARMAX INC COM 143130102 3300 43 SH SOLE 0 0 0 43 CARMAX INC COM 143130102 284705 3710 SH SOLE 0 0 0 3710 CHARLES RIV LABS INTL INC COM 159864107 16784 71 SH SOLE 0 0 0 71 CHARLES RIV LABS INTL INC COM 159864107 187229 792 SH SOLE 0 0 0 792 CHEVRON CORP NEW COM 166764100 261352 1752 SH SOLE 0 0 0 1752 CHEVRON CORP NEW COM 166764100 2536 17 SH SOLE 0 0 0 17 CHEVRON CORP NEW COM 166764100 35500 238 SH SOLE 0 0 0 238 COMCAST CORP NEW CL A 20030N101 584964 13340 SH SOLE 0 0 0 13340 COMCAST CORP NEW CL A 20030N101 6095 139 SH SOLE 0 0 0 139 COMCAST CORP NEW CL A 20030N101 304889 6953 SH SOLE 0 0 0 6953 CONOCOPHILLIPS COM 20825C104 328965 2834 SH SOLE 0 0 0 2834 CONOCOPHILLIPS COM 20825C104 3366 29 SH SOLE 0 0 0 29 CONOCOPHILLIPS COM 20825C104 45035 388 SH SOLE 0 0 0 388 CVS HEALTH CORP COM 126650100 40428 512 SH SOLE 0 0 0 512 CVS HEALTH CORP COM 126650100 252672 3200 SH SOLE 0 0 0 3200 DIAMONDBACK ENERGY INC COM 25278X109 8684 56 SH SOLE 0 0 0 56 DIAMONDBACK ENERGY INC COM 25278X109 200363 1292 SH SOLE 0 0 0 1292 EBAY INC. COM 278642103 353583 8106 SH SOLE 0 0 0 8106 EBAY INC. COM 278642103 3228 74 SH SOLE 0 0 0 74 EBAY INC. COM 278642103 267740 6138 SH SOLE 0 0 0 6138 ELEVANCE HEALTH INC COM 036752103 461733 979 SH SOLE 0 0 0 979 ELEVANCE HEALTH INC COM 036752103 4244 9 SH SOLE 0 0 0 9 ELEVANCE HEALTH INC COM 036752103 68848 146 SH SOLE 0 0 0 146 ENBRIDGE INC COM 29250N105 4178 116 SH SOLE 0 0 0 116 ENBRIDGE INC COM 29250N105 197642 5487 SH SOLE 0 0 0 5487 ESAB CORPORATION COM 29605J106 144799 1672 SH SOLE 0 0 0 1672 ESAB CORPORATION COM 29605J106 65658 758 SH SOLE 0 0 0 758 EXXON MOBIL CORP COM 30231G102 201193 2012 SH SOLE 0 0 0 2012 EXXON MOBIL CORP COM 30231G102 1700 17 SH SOLE 0 0 0 17 EXXON MOBIL CORP COM 30231G102 43491 435 SH SOLE 0 0 0 435 FAIR ISAAC CORP COM 303250104 150157 129 SH SOLE 0 0 0 129 FAIR ISAAC CORP COM 303250104 61693 53 SH SOLE 0 0 0 53 FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 67978 1524 SH SOLE 0 0 0 1524 FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 166823 3740 SH SOLE 0 0 0 3740 FISERV INC COM 337738108 35335 266 SH SOLE 0 0 0 266 FISERV INC COM 337738108 222507 1675 SH SOLE 0 0 0 1675 GENERAL DYNAMICS CORP COM 369550108 440873 1698 SH SOLE 0 0 0 1698 GENERAL DYNAMICS CORP COM 369550108 4934 19 SH SOLE 0 0 0 19 GENERAL DYNAMICS CORP COM 369550108 59984 231 SH SOLE 0 0 0 231 HANESBRANDS INC COM 410345102 3439 771 SH SOLE 0 0 0 771 HANESBRANDS INC COM 410345102 71017 15923 SH SOLE 0 0 0 15923 INGREDION INC COM 457187102 21055 194 SH SOLE 0 0 0 194 INGREDION INC COM 457187102 330040 3041 SH SOLE 0 0 0 3041 INTEL CORP COM 458140100 586166 11665 SH SOLE 0 0 0 11665 INVESCO QQQ TR UNIT SER 1 46090E103 440644 1076 SH SOLE 0 0 0 1076 ISHARES INC CORE MSCI EMKT 46434G103 2421885 47882 SH SOLE 0 210 0 47672 ISHARES INC CORE MSCI EMKT 46434G103 2906074 57455 SH SOLE 0 0 0 57455 ISHARES INC ESG AWR MSCI EM 46434G863 23917 746 SH SOLE 0 0 0 746 ISHARES INC ESG AWR MSCI EM 46434G863 273159 8520 SH SOLE 0 0 0 8520 ISHARES INC MSCI EMRG CHN 46434G764 1089889 19670 SH SOLE 0 83 0 19587 ISHARES INC MSCI EMRG CHN 46434G764 1286434 23217 SH SOLE 0 0 0 23217 ISHARES TR ESG AWR MSCI USA 46435G425 2457742 23425 SH SOLE 0 129 0 23296 ISHARES TR ESG AWR MSCI USA 46435G425 4492311 42817 SH SOLE 0 0 0 42817 ISHARES TR ESG AWRE USD ETF 46435G193 107740 4630 SH SOLE 0 0 0 4630 ISHARES TR ESG AWRE USD ETF 46435G193 354612 15239 SH SOLE 0 0 0 15239 ISHARES TR US INFRASTRUC 46435U713 874696 21721 SH SOLE 0 58 0 21663 ISHARES TR US INFRASTRUC 46435U713 940100 23345 SH SOLE 0 0 0 23345 ISHARES TR ESG AWR US AGRGT 46435U549 126845 2657 SH SOLE 0 0 0 2657 ISHARES TR ESG AWR US AGRGT 46435U549 159690 3345 SH SOLE 0 0 0 3345 ISHARES TR ESG MSCI USA ETF 46436E767 89555 2249 SH SOLE 0 0 0 2249 ISHARES TR ESG MSCI USA ETF 46436E767 543615 13652 SH SOLE 0 0 0 13652 ISHARES TR ESG EAFE ETF 46436E759 50657 793 SH SOLE 0 0 0 793 ISHARES TR ESG EAFE ETF 46436E759 309135 4839 SH SOLE 0 0 0 4839 ISHARES TR CORE TOTAL USD 46434V613 9917552 215271 SH SOLE 0 457 0 214814 ISHARES TR CORE TOTAL USD 46434V613 7826255 169877 SH SOLE 0 0 0 169877 ISHARES TR MSCI USA QLT FCT 46432F339 7052279 47929 SH SOLE 0 184 0 47745 ISHARES TR MSCI USA QLT FCT 46432F339 7980921 54240 SH SOLE 0 0 0 54240 ISHARES TR TRS FLT RT BD 46434V860 3014702 59733 SH SOLE 0 175 0 59558 ISHARES TR TRS FLT RT BD 46434V860 2521878 49968 SH SOLE 0 0 0 49968 ISHARES TR MSCI KLD400 SOC 464288570 117272 1288 SH SOLE 0 0 0 1288 ISHARES TR MSCI KLD400 SOC 464288570 620455 6814 SH SOLE 0 0 0 6814 ISHARES TR MBS ETF 464288588 3263103 34684 SH SOLE 0 64 0 34620 ISHARES TR MBS ETF 464288588 2456366 26109 SH SOLE 0 0 0 26109 ISHARES TR JPMORGAN USD EMG 464288281 410923 4614 SH SOLE 0 0 0 4614 ISHARES TR JPMORGAN USD EMG 464288281 247765 2782 SH SOLE 0 0 0 2782 ISHARES TR MSCI USA MIN VOL 46429B697 700680 8980 SH SOLE 0 57 0 8923 ISHARES TR MSCI USA MIN VOL 46429B697 1096576 14053 SH SOLE 0 0 0 14053 ISHARES TR US TREAS BD ETF 46429B267 140982 6119 SH SOLE 0 0 0 6119 ISHARES TR US TREAS BD ETF 46429B267 374285 16245 SH SOLE 0 0 0 16245 ISHARES TR TIPS BD ETF 464287176 578619 5383 SH SOLE 0 0 0 5383 ISHARES TR TIPS BD ETF 464287176 868627 8081 SH SOLE 0 0 0 8081 ISHARES TR EAFE VALUE ETF 464288877 6050612 116135 SH SOLE 0 460 0 115675 ISHARES TR EAFE VALUE ETF 464288877 7013496 134616 SH SOLE 0 0 0 134616 ISHARES TR EAFE VALUE ETF 464288877 3803 73 SH SOLE 0 0 0 73 ISHARES TR EAFE GRWTH ETF 464288885 3645179 37637 SH SOLE 0 142 0 37495 ISHARES TR EAFE GRWTH ETF 464288885 4239550 43774 SH SOLE 0 0 0 43774 ISHARES TR S&P 100 ETF 464287101 2500358 11193 SH SOLE 0 40 0 11153 ISHARES TR S&P 100 ETF 464287101 2823683 12640 SH SOLE 0 0 0 12640 ISHARES TR CORE S&P500 ETF 464287200 31197432 65317 SH SOLE 0 243 0 65074 ISHARES TR CORE S&P500 ETF 464287200 34317524 71850 SH SOLE 0 0 0 71850 ISHARES TR S&P 500 GRWT ETF 464287309 1961545 26119 SH SOLE 0 100 0 26019 ISHARES TR S&P 500 GRWT ETF 464287309 2193663 29210 SH SOLE 0 0 0 29210 ISHARES TR GLOBAL ENERG ETF 464287341 776411 19852 SH SOLE 0 77 0 19775 ISHARES TR GLOBAL ENERG ETF 464287341 804132 20561 SH SOLE 0 0 0 20561 ISHARES TR U.S. TECH ETF 464287721 2869314 23375 SH SOLE 0 86 0 23289 ISHARES TR U.S. TECH ETF 464287721 3144884 25620 SH SOLE 0 0 0 25620 ISHARES TR 20 YR TR BD ETF 464287432 2545911 25747 SH SOLE 0 77 0 25670 ISHARES TR 20 YR TR BD ETF 464287432 2174396 21990 SH SOLE 0 0 0 21990 ISHARES TR IBOXX INV CP ETF 464287242 1870261 16901 SH SOLE 0 41 0 16860 ISHARES TR IBOXX INV CP ETF 464287242 1570681 14194 SH SOLE 0 0 0 14194 JPMORGAN CHASE & CO COM 46625H100 992489 5835 SH SOLE 0 0 0 5835 JPMORGAN CHASE & CO COM 46625H100 5783 34 SH SOLE 0 0 0 34 JPMORGAN CHASE & CO COM 46625H100 311623 1832 SH SOLE 0 0 0 1832 LOCKHEED MARTIN CORP COM 539830109 132531 292 SH SOLE 0 0 0 292 LOCKHEED MARTIN CORP COM 539830109 1360 3 SH SOLE 0 0 0 3 LOCKHEED MARTIN CORP COM 539830109 176764 390 SH SOLE 0 0 0 390 MCKESSON CORP COM 58155Q103 459430 992 SH SOLE 0 0 0 992 MCKESSON CORP COM 58155Q103 51854 112 SH SOLE 0 0 0 112 MCKESSON CORP COM 58155Q103 40742 88 SH SOLE 0 0 0 88 META PLATFORMS INC CL A 30303M102 922349 2606 SH SOLE 0 0 0 2606 META PLATFORMS INC CL A 30303M102 8495 24 SH SOLE 0 0 0 24 META PLATFORMS INC CL A 30303M102 662613 1872 SH SOLE 0 0 0 1872 MICROSOFT CORP COM 594918104 718433 1911 SH SOLE 0 0 0 1911 MICROSOFT CORP COM 594918104 6017 16 SH SOLE 0 0 0 16 MICROSOFT CORP COM 594918104 102283 272 SH SOLE 0 0 0 272 NOVARTIS AG SPONSORED ADR 66987V109 546628 5414 SH SOLE 0 0 0 5414 NOVARTIS AG SPONSORED ADR 66987V109 5553 55 SH SOLE 0 0 0 55 NOVARTIS AG SPONSORED ADR 66987V109 64015 634 SH SOLE 0 0 0 634 OMNICOM GROUP INC COM 681919106 250936 2901 SH SOLE 0 0 0 2901 OMNICOM GROUP INC COM 681919106 22060 255 SH SOLE 0 0 0 255 OMNICOM GROUP INC COM 681919106 28289 327 SH SOLE 0 0 0 327 ORACLE CORP COM 68389X105 934934 8868 SH SOLE 0 0 0 8868 ORACLE CORP COM 68389X105 10648 101 SH SOLE 0 0 0 101 ORACLE CORP COM 68389X105 113337 1075 SH SOLE 0 0 0 1075 PHILIP MORRIS INTL INC COM 718172109 702928 7472 SH SOLE 0 0 0 7472 PHILIP MORRIS INTL INC COM 718172109 7809 83 SH SOLE 0 0 0 83 PHILIP MORRIS INTL INC COM 718172109 93798 997 SH SOLE 0 0 0 997 QUALCOMM INC COM 747525103 60166 416 SH SOLE 0 0 0 416 QUALCOMM INC COM 747525103 232999 1611 SH SOLE 0 0 0 1611 RTX CORPORATION COM 75513E101 127804 1519 SH SOLE 0 0 0 1519 RTX CORPORATION COM 75513E101 1178 14 SH SOLE 0 0 0 14 RTX CORPORATION COM 75513E101 93564 1112 SH SOLE 0 0 0 1112 SANOFI SPONSORED ADR 80105N105 408704 8218 SH SOLE 0 0 0 8218 SANOFI SPONSORED ADR 80105N105 4476 90 SH SOLE 0 0 0 90 SANOFI SPONSORED ADR 80105N105 175199 3523 SH SOLE 0 0 0 3523 SCHWAB CHARLES CORP COM 808513105 671183 9756 SH SOLE 0 0 0 9756 SCHWAB CHARLES CORP COM 808513105 6192 90 SH SOLE 0 0 0 90 SCHWAB CHARLES CORP COM 808513105 98866 1437 SH SOLE 0 0 0 1437 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 358590 1863 SH SOLE 0 0 0 1863 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 25321 132 SH SOLE 0 0 0 132 SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 201979 1481 SH SOLE 0 0 0 1481 SPDR S&P 500 ETF TR TR UNIT 78462F103 313978 661 SH SOLE 0 0 0 661 SPDR S&P 500 ETF TR TR UNIT 78462F103 132611 279 SH SOLE 0 0 0 279 THE CIGNA GROUP COM 125523100 263516 880 SH SOLE 0 0 0 880 UNILEVER PLC SPON ADR NEW 904767704 420240 8668 SH SOLE 0 0 0 8668 UNILEVER PLC SPON ADR NEW 904767704 4266 88 SH SOLE 0 0 0 88 UNILEVER PLC SPON ADR NEW 904767704 54201 1118 SH SOLE 0 0 0 1118 VANGUARD INDEX FDS TOTAL STK MKT 922908769 272599 1149 SH SOLE 0 0 0 1149 VANGUARD INDEX FDS TOTAL STK MKT 922908769 562494 2371 SH SOLE 0 0 0 2371 VANGUARD INDEX FDS TOTAL STK MKT 922908769 87534 369 SH SOLE 0 0 0 369 VANGUARD INDEX FDS SMALL CP ETF 922908751 516045 2419 SH SOLE 0 0 0 2419 VISA INC COM CL A 92826C839 568357 2183 SH SOLE 0 0 0 2183 VISA INC COM CL A 92826C839 4947 19 SH SOLE 0 0 0 19 VISA INC COM CL A 92826C839 80709 310 SH SOLE 0 0 0 310 WELLS FARGO CO NEW COM 949746101 423195 8598 SH SOLE 0 0 0 8598 WELLS FARGO CO NEW COM 949746101 3888 79 SH SOLE 0 0 0 79 WELLS FARGO CO NEW COM 949746101 365803 7432 SH SOLE 0 0 0 7432 WYNDHAM HOTELS & RESORTS INC COM 98311A105 10695 133 SH SOLE 0 0 0 133 WYNDHAM HOTELS & RESORTS INC COM 98311A105 240989 2997 SH SOLE 0 0 0 2997