Keystone Wealth Advisors, Incorporated

Keystone Wealth Advisors, Inc. is a financial planning and investment management firm founded in 2010 by Steven Douglas Carlson and Berthel Andrew Olsen III. The firm offers personalized financial planning and investment management services to individuals, pension and profit sharing plans, trusts, estates, charitable organizations, and small businesses. Services include financial objective determination, cash flow management, tax planning, investment management, education funding, retirement planning, and estate planning. Keystone Wealth Advisors is a fee-based firm that does not sell products for commissions and does not act as a custodian of client assets. Clients maintain control over their assets, and the firm provides Investment Policy Statements and periodic reviews. The firm offers discretionary and non-discretionary asset management services based on individual client goals, risk tolerance, and time horizons. Investment strategies include asset allocation, asset selection, and regular portfolio monitoring. Clients may impose restrictions on investments, and the firm may hire Sub-Advisors to manage client assets. Keystone Wealth Advisors primarily invests in mutual funds and separately managed accounts, using qualitative and quantitative analysis to assess investments. The firm charges fees based on a percentage of assets under management, with tiered fee schedules. Clients are billed quarterly in advance, and fees are negotiable. The firm does not receive external compensation for the sale of securities to clients and does not use performance-based fees. Clients include individuals, retirement plans, trusts, and businesses, with an account minimum of $1,000,000. The firm's principals, Steven D. Carlson and Berthel Andrew Olsen III, oversee the firm's operations and investment strategies.