Compliance Director

0001865158-23-000005.txt : 20231108 0001865158-23-000005.hdr.sgml : 20231108 20231107192711 ACCESSION NUMBER: 0001865158-23-000005 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230930 FILED AS OF DATE: 20231108 DATE AS OF CHANGE: 20231107 EFFECTIVENESS DATE: 20231108 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Keystone Financial Services CENTRAL INDEX KEY: 0001865158 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: 231385526 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 false false 0001865158 XXXXXXXX 09-30-2023 09-30-2023 Keystone Financial Services

4090 CLYDESDALE PARKWAY SUITE 201 LOVELAND CO 80538

13F HOLDINGS REPORT 028-21556 000310623 801-119534 N Ben Rothwell Compliance Director 720-909-3214 Ben Rothwell Neskowin OR 11-07-2023 0 171 188908630 false INFORMATION TABLE 2 keystoneFinancialServices13f.xml 3Q23 13F ALPHABET INC CAP STK CL A 02079K305 260673 1992 SH SOLE 0 0 0 1992 ALPHABET INC CAP STK CL A 02079K305 32584 249 SH SOLE 0 0 0 249 ALPHABET INC CAP STK CL C 02079K107 1050317 7966 SH SOLE 0 0 0 7966 ALPHABET INC CAP STK CL C 02079K107 10284 78 SH SOLE 0 0 0 78 ALPHABET INC CAP STK CL C 02079K107 602686 4571 SH SOLE 0 0 0 4571 ANALOG DEVICES INC COM 032654105 471613 2694 SH SOLE 0 0 0 2694 ANALOG DEVICES INC COM 032654105 4903 28 SH SOLE 0 0 0 28 ANALOG DEVICES INC COM 032654105 62857 359 SH SOLE 0 0 0 359 APPLE INC COM 037833100 669944 3913 SH SOLE 0 0 0 3913 BANK AMERICA CORP COM 060505104 233034 8511 SH SOLE 0 0 0 8511 BANK AMERICA CORP COM 060505104 2327 85 SH SOLE 0 0 0 85 BANK AMERICA CORP COM 060505104 30118 1100 SH SOLE 0 0 0 1100 BANK NEW YORK MELLON CORP COM 064058100 252836 5928 SH SOLE 0 0 0 5928 BANK NEW YORK MELLON CORP COM 064058100 2346 55 SH SOLE 0 0 0 55 BANK NEW YORK MELLON CORP COM 064058100 173159 4060 SH SOLE 0 0 0 4060 BECTON DICKINSON & CO COM 075887109 440167 1703 SH SOLE 0 0 0 1703 BECTON DICKINSON & CO COM 075887109 4654 18 SH SOLE 0 0 0 18 BECTON DICKINSON & CO COM 075887109 234228 906 SH SOLE 0 0 0 906 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1885665 5383 SH SOLE 0 0 0 5383 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 16814 48 SH SOLE 0 0 0 48 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 854732 2440 SH SOLE 0 0 0 2440 BLACKROCK ETF TRUST US CARBON TRANS 09290C509 38182 811 SH SOLE 0 0 0 811 BLACKROCK ETF TRUST US CARBON TRANS 09290C509 678514 14412 SH SOLE 0 0 0 14412 BOOKING HOLDINGS INC COM 09857L108 533523 173 SH SOLE 0 0 0 173 BOOKING HOLDINGS INC COM 09857L108 6168 2 SH SOLE 0 0 0 2 BOOKING HOLDINGS INC COM 09857L108 536607 174 SH SOLE 0 0 0 174 BROADRIDGE FINL SOLUTIONS IN COM 11133T103 10385 58 SH SOLE 0 0 0 58 BROADRIDGE FINL SOLUTIONS IN COM 11133T103 290777 1624 SH SOLE 0 0 0 1624 CARMAX INC COM 143130102 380032 5373 SH SOLE 0 0 0 5373 CARMAX INC COM 143130102 3041 43 SH SOLE 0 0 0 43 CARMAX INC COM 143130102 269835 3815 SH SOLE 0 0 0 3815 CHEVRON CORP NEW COM 166764100 285980 1696 SH SOLE 0 0 0 1696 CHEVRON CORP NEW COM 166764100 2867 17 SH SOLE 0 0 0 17 CHEVRON CORP NEW COM 166764100 40132 238 SH SOLE 0 0 0 238 COMCAST CORP NEW CL A 20030N101 581331 13111 SH SOLE 0 0 0 13111 COMCAST CORP NEW CL A 20030N101 6163 139 SH SOLE 0 0 0 139 COMCAST CORP NEW CL A 20030N101 308296 6953 SH SOLE 0 0 0 6953 CONOCOPHILLIPS COM 20825C104 332129 2772 SH SOLE 0 0 0 2772 CONOCOPHILLIPS COM 20825C104 3474 29 SH SOLE 0 0 0 29 CONOCOPHILLIPS COM 20825C104 46482 388 SH SOLE 0 0 0 388 CVS HEALTH CORP COM 126650100 30302 434 SH SOLE 0 0 0 434 CVS HEALTH CORP COM 126650100 248001 3552 SH SOLE 0 0 0 3552 DIAMONDBACK ENERGY INC COM 25278X109 5885 38 SH SOLE 0 0 0 38 DIAMONDBACK ENERGY INC COM 25278X109 202428 1307 SH SOLE 0 0 0 1307 EBAY INC. COM 278642103 349551 7928 SH SOLE 0 0 0 7928 EBAY INC. COM 278642103 3263 74 SH SOLE 0 0 0 74 EBAY INC. COM 278642103 270624 6138 SH SOLE 0 0 0 6138 ELEVANCE HEALTH INC COM 036752103 415426 954 SH SOLE 0 0 0 954 ELEVANCE HEALTH INC COM 036752103 3919 9 SH SOLE 0 0 0 9 ELEVANCE HEALTH INC COM 036752103 66619 153 SH SOLE 0 0 0 153 EXXON MOBIL CORP COM 30231G102 226418 1926 SH SOLE 0 0 0 1926 EXXON MOBIL CORP COM 30231G102 1999 17 SH SOLE 0 0 0 17 EXXON MOBIL CORP COM 30231G102 31159 265 SH SOLE 0 0 0 265 FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 160440 3815 SH SOLE 0 0 0 3815 FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 393635 9360 SH SOLE 0 0 0 9360 FISERV INC COM 337738108 28579 253 SH SOLE 0 0 0 253 FISERV INC COM 337738108 191015 1691 SH SOLE 0 0 0 1691 GENERAL DYNAMICS CORP COM 369550108 377844 1710 SH SOLE 0 0 0 1710 GENERAL DYNAMICS CORP COM 369550108 4198 19 SH SOLE 0 0 0 19 GENERAL DYNAMICS CORP COM 369550108 55022 249 SH SOLE 0 0 0 249 HANESBRANDS INC COM 410345102 2186 552 SH SOLE 0 0 0 552 HANESBRANDS INC COM 410345102 63055 15923 SH SOLE 0 0 0 15923 INGREDION INC COM 457187102 13382 136 SH SOLE 0 0 0 136 INGREDION INC COM 457187102 309665 3147 SH SOLE 0 0 0 3147 INVESCO QQQ TR UNIT SER 1 46090E103 385499 1076 SH SOLE 0 0 0 1076 ISHARES INC CORE MSCI EMKT 46434G103 2446137 51400 SH SOLE 0 0 0 51400 ISHARES INC CORE MSCI EMKT 46434G103 2992090 62872 SH SOLE 0 0 0 62872 ISHARES INC ESG AWR MSCI EM 46434G863 7782 257 SH SOLE 0 0 0 257 ISHARES INC ESG AWR MSCI EM 46434G863 223519 7382 SH SOLE 0 0 0 7382 ISHARES TR CORE TOTAL USD 46434V613 10952338 250540 SH SOLE 0 0 0 250540 ISHARES TR CORE TOTAL USD 46434V613 8541007 195379 SH SOLE 0 0 0 195379 ISHARES TR ESG AWR MSCI USA 46435G425 1832019 19508 SH SOLE 0 0 0 19508 ISHARES TR ESG AWR MSCI USA 46435G425 4089528 43547 SH SOLE 0 0 0 43547 ISHARES TR ESG AWRE USD ETF 46435G193 29441 1353 SH SOLE 0 0 0 1353 ISHARES TR ESG AWRE USD ETF 46435G193 330513 15189 SH SOLE 0 0 0 15189 ISHARES TR MSCI USA QLT FCT 46432F339 6016882 45655 SH SOLE 0 0 0 45655 ISHARES TR MSCI USA QLT FCT 46432F339 7420942 56309 SH SOLE 0 0 0 56309 ISHARES TR TRS FLT RT BD 46434V860 3291636 64873 SH SOLE 0 0 0 64873 ISHARES TR TRS FLT RT BD 46434V860 2660991 52444 SH SOLE 0 0 0 52444 ISHARES TR MSCI USA MIN VOL 46429B697 1693276 23394 SH SOLE 0 0 0 23394 ISHARES TR MSCI USA MIN VOL 46429B697 2079053 28724 SH SOLE 0 0 0 28724 ISHARES TR US TREAS BD ETF 46429B267 449506 20395 SH SOLE 0 0 0 20395 ISHARES TR US TREAS BD ETF 46429B267 724455 32870 SH SOLE 0 0 0 32870 ISHARES TR TIPS BD ETF 464287176 1154300 11129 SH SOLE 0 0 0 11129 ISHARES TR TIPS BD ETF 464287176 1227422 11834 SH SOLE 0 0 0 11834 ISHARES TR EAFE VALUE ETF 464288877 6326214 129291 SH SOLE 0 0 0 129291 ISHARES TR EAFE VALUE ETF 464288877 7913438 161730 SH SOLE 0 0 0 161730 ISHARES TR EAFE VALUE ETF 464288877 3572 73 SH SOLE 0 0 0 73 ISHARES TR EAFE GRWTH ETF 464288885 4787521 55475 SH SOLE 0 0 0 55475 ISHARES TR EAFE GRWTH ETF 464288885 6103105 70720 SH SOLE 0 0 0 70720 ISHARES TR MSCI KLD400 SOC 464288570 31506 387 SH SOLE 0 0 0 387 ISHARES TR MSCI KLD400 SOC 464288570 489319 6011 SH SOLE 0 0 0 6011 ISHARES TR MBS ETF 464288588 3197226 36005 SH SOLE 0 0 0 36005 ISHARES TR MBS ETF 464288588 2338584 26335 SH SOLE 0 0 0 26335 ISHARES TR JPMORGAN USD EMG 464288281 397169 4813 SH SOLE 0 0 0 4813 ISHARES TR JPMORGAN USD EMG 464288281 228250 2766 SH SOLE 0 0 0 2766 ISHARES TR U.S. TECH ETF 464287721 1632082 15555 SH SOLE 0 0 0 15555 ISHARES TR U.S. TECH ETF 464287721 2028679 19335 SH SOLE 0 0 0 19335 ISHARES TR CORE S&P MCP ETF 464287507 935063 3750 SH SOLE 0 0 0 3750 ISHARES TR CORE S&P MCP ETF 464287507 1175187 4713 SH SOLE 0 0 0 4713 ISHARES TR CORE S&P500 ETF 464287200 24159343 56259 SH SOLE 0 0 0 56259 ISHARES TR CORE S&P500 ETF 464287200 28826662 67128 SH SOLE 0 0 0 67128 ISHARES TR S&P 500 GRWT ETF 464287309 1664795 24332 SH SOLE 0 0 0 24332 ISHARES TR S&P 500 GRWT ETF 464287309 1964366 28710 SH SOLE 0 0 0 28710 ISHARES TR 20 YR TR BD ETF 464287432 2083215 23489 SH SOLE 0 0 0 23489 ISHARES TR 20 YR TR BD ETF 464287432 1716673 19356 SH SOLE 0 0 0 19356 ISHARES TR IBOXX INV CP ETF 464287242 1164990 11419 SH SOLE 0 0 0 11419 ISHARES TR IBOXX INV CP ETF 464287242 978700 9593 SH SOLE 0 0 0 9593 ISHARES TR US INFRASTRUC 46435U713 720458 19690 SH SOLE 0 0 0 19690 ISHARES TR US INFRASTRUC 46435U713 847558 23164 SH SOLE 0 0 0 23164 ISHARES TR ESG AWR US AGRGT 46435U549 41585 918 SH SOLE 0 0 0 918 ISHARES TR ESG AWR US AGRGT 46435U549 210645 4650 SH SOLE 0 0 0 4650 ISHARES TR ESG MSCI USA ETF 46436E767 27347 789 SH SOLE 0 0 0 789 ISHARES TR ESG MSCI USA ETF 46436E767 475112 13708 SH SOLE 0 0 0 13708 ISHARES TR ESG EAFE ETF 46436E759 15757 276 SH SOLE 0 0 0 276 ISHARES TR ESG EAFE ETF 46436E759 268561 4704 SH SOLE 0 0 0 4704 JPMORGAN CHASE & CO COM 46625H100 834178 5752 SH SOLE 0 0 0 5752 JPMORGAN CHASE & CO COM 46625H100 4931 34 SH SOLE 0 0 0 34 JPMORGAN CHASE & CO COM 46625H100 307297 2119 SH SOLE 0 0 0 2119 LOCKHEED MARTIN CORP COM 539830109 119583 292 SH SOLE 0 0 0 292 LOCKHEED MARTIN CORP COM 539830109 1227 3 SH SOLE 0 0 0 3 LOCKHEED MARTIN CORP COM 539830109 159494 390 SH SOLE 0 0 0 390 MCKESSON CORP COM 58155Q103 419688 965 SH SOLE 0 0 0 965 MCKESSON CORP COM 58155Q103 46094 106 SH SOLE 0 0 0 106 MCKESSON CORP COM 58155Q103 42180 97 SH SOLE 0 0 0 97 META PLATFORMS INC CL A 30303M102 783248 2609 SH SOLE 0 0 0 2609 META PLATFORMS INC CL A 30303M102 7205 24 SH SOLE 0 0 0 24 META PLATFORMS INC CL A 30303M102 614830 2048 SH SOLE 0 0 0 2048 MICROSOFT CORP COM 594918104 632519 2003 SH SOLE 0 0 0 2003 MICROSOFT CORP COM 594918104 5052 16 SH SOLE 0 0 0 16 MICROSOFT CORP COM 594918104 101040 320 SH SOLE 0 0 0 320 NOVARTIS AG SPONSORED ADR 66987V109 537165 5274 SH SOLE 0 0 0 5274 NOVARTIS AG SPONSORED ADR 66987V109 5602 55 SH SOLE 0 0 0 55 NOVARTIS AG SPONSORED ADR 66987V109 76904 755 SH SOLE 0 0 0 755 OMNICOM GROUP INC COM 681919106 211811 2844 SH SOLE 0 0 0 2844 OMNICOM GROUP INC COM 681919106 19588 263 SH SOLE 0 0 0 263 OMNICOM GROUP INC COM 681919106 28377 381 SH SOLE 0 0 0 381 ORACLE CORP COM 68389X105 914486 8634 SH SOLE 0 0 0 8634 ORACLE CORP COM 68389X105 10698 101 SH SOLE 0 0 0 101 ORACLE CORP COM 68389X105 124562 1176 SH SOLE 0 0 0 1176 PHILIP MORRIS INTL INC COM 718172109 638287 6894 SH SOLE 0 0 0 6894 PHILIP MORRIS INTL INC COM 718172109 7684 83 SH SOLE 0 0 0 83 PHILIP MORRIS INTL INC COM 718172109 101468 1096 SH SOLE 0 0 0 1096 QUALCOMM INC COM 747525103 43536 392 SH SOLE 0 0 0 392 QUALCOMM INC COM 747525103 181028 1630 SH SOLE 0 0 0 1630 SANOFI SPONSORED ADR 80105N105 424907 7921 SH SOLE 0 0 0 7921 SANOFI SPONSORED ADR 80105N105 4828 90 SH SOLE 0 0 0 90 SANOFI SPONSORED ADR 80105N105 195142 3638 SH SOLE 0 0 0 3638 SCHWAB CHARLES CORP COM 808513105 513239 9349 SH SOLE 0 0 0 9349 SCHWAB CHARLES CORP COM 808513105 4941 90 SH SOLE 0 0 0 90 SCHWAB CHARLES CORP COM 808513105 84821 1545 SH SOLE 0 0 0 1545 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 305402 1863 SH SOLE 0 0 0 1863 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 39015 238 SH SOLE 0 0 0 238 SPDR S&P 500 ETF TR TR UNIT 78462F103 282383 661 SH SOLE 0 0 0 661 SPDR S&P 500 ETF TR TR UNIT 78462F103 119267 279 SH SOLE 0 0 0 279 THE CIGNA GROUP COM 125523100 251742 880 SH SOLE 0 0 0 880 UNILEVER PLC SPON ADR NEW 904767704 413349 8367 SH SOLE 0 0 0 8367 UNILEVER PLC SPON ADR NEW 904767704 4347 88 SH SOLE 0 0 0 88 UNILEVER PLC SPON ADR NEW 904767704 55229 1118 SH SOLE 0 0 0 1118 VANGUARD INDEX FDS TOTAL STK MKT 922908769 254497 1198 SH SOLE 0 0 0 1198 VANGUARD INDEX FDS TOTAL STK MKT 922908769 596913 2810 SH SOLE 0 0 0 2810 VANGUARD INDEX FDS TOTAL STK MKT 922908769 77530 365 SH SOLE 0 0 0 365 VANGUARD INDEX FDS SMALL CP ETF 922908751 457360 2419 SH SOLE 0 0 0 2419 VISA INC COM CL A 92826C839 489308 2127 SH SOLE 0 0 0 2127 VISA INC COM CL A 92826C839 4370 19 SH SOLE 0 0 0 19 VISA INC COM CL A 92826C839 73833 321 SH SOLE 0 0 0 321 WELLS FARGO CO NEW COM 949746101 339171 8301 SH SOLE 0 0 0 8301 WELLS FARGO CO NEW COM 949746101 3228 79 SH SOLE 0 0 0 79 WELLS FARGO CO NEW COM 949746101 312702 7653 SH SOLE 0 0 0 7653 WYNDHAM HOTELS & RESORTS INC COM 98311A105 7441 107 SH SOLE 0 0 0 107 WYNDHAM HOTELS & RESORTS INC COM 98311A105 208411 2997 SH SOLE 0 0 0 2997