Keynote Financial Services, LLC

Keynote Financial Services, LLC is a Registered Investment Advisor established in 2004, specializing in financial planning and investment management. The firm, owned by Kent D. Zahner, offers services such as tax, insurance, retirement, and estate planning. Investment strategies include dynamic asset allocation and a core-and-satellite approach, focusing on securities, mutual funds, government securities, and options. Clients' individual needs are considered, with tailored consultations and the ability to impose restrictions on investments. The firm manages approximately $182 million on a discretionary basis. Fees range from ½ of 1% to 2% annually, based on account size and complexity, paid quarterly. Keynote Financial does not charge in advance, accept commissions, or participate in performance-based fees. The firm acts as a fiduciary for retirement accounts, prioritizing clients' interests. Clients include individuals, high net worth individuals, businesses, charities, trusts, and estates, with no minimum account size requirement. The firm does not engage in soft dollars, directed brokerage, or brokerage for client referrals. Clients' accounts are reviewed by Kent D. Zahner and James M. Desrocher, with a focus on openness, integrity, and trust in their Code of Ethics. Keynote Financial Services operates with investment discretion, allowing clients to set limitations on their accounts.