Q3 2026 13F · SEC CIK 1596906

Keystone Financial Planning, Inc.

Wealth managerFiled 2026-10-08 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $403.9M
Reported positions: 39
Top holdings a year, 3 yrs: +18.6%
Assets under management: $406.9M

Keystone Financial Planning, Inc. is a wealth manager that reported 39 positions worth $403.9M in its Q3 2026 13F, filed 2026-10-08. Its largest holdings were Schwab Strategic Tr (SCHD, 50.6%), Chevron Corporation (CVX, 4.1%), Microsoft Corp (MSFT, 3.5%). A portfolio copying its top holdings returned 18.6% a year over the last 3 years, against 22.3% for the S&P 500.

Keystone Financial Planning, Inc. holdings all 39 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Keystone Financial Planning, Inc. 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
SCHDSchwab Strategic Tr	50.6%	51.1%	6,279,518	+0.5%	$204.3M
CVXChevron Corporation	4.1%	3.5%	81,529	-0.4%	$16.6M
MSFTMicrosoft Corp	3.5%	2.6%	27,488	+2.3%	$14.1M
USBUS Bancorp	3.2%	3.5%	225,202	-0.5%	$13.0M
BNSBank Nova Scotia B C	3.0%	3.1%	134,967	-1.1%	$12.3M
CMECme Group Inc	2.8%	2.5%	43,310	+0.1%	$11.3M
VZVerizon Communications Inc	2.6%	2.6%	232,816	-0.9%	$10.7M
GSKGsk PLC	2.5%	2.6%	211,232	+8.0%	$10.2M
SPYDSpdr Ser Tr	2.5%	2.4%	219,348	+11.1%	$10.0M
ULUnilever PLC	2.4%	2.5%	160,199	-0.2%	$9.7M
BMYBristol-Myers Squibb Co	2.4%	2.3%	155,174	-1.0%	$9.7M
PPLPpl Corp	2.3%	New	282,743	—	$9.3M
BTIBritish Amern Tob PLC	2.2%	2.6%	163,906	-0.8%	$8.9M
XOMExxonmobil Holdings Corp	1.9%	1.7%	47,734	-0.5%	$7.8M
MOAltria Group Inc	1.8%	2.0%	105,453	-0.0%	$7.1M
TROWPrice T Rowe Group Inc	1.7%	2.0%	66,572	-1.0%	$6.9M
PFEPfizer Inc	1.7%	1.5%	239,885	-0.9%	$6.8M
PMPhilip Morris Intl Inc	1.2%	1.2%	25,084	-0.6%	$4.8M
HDVIshares Tr	1.1%	0.7%	156,554	+65.5%	$4.4M
UPSUnited Parcel Svcs Inc	1.0%	1.2%	44,446	-1.1%	$4.2M
BENFranklin Templeton Inc	0.8%	0.9%	105,146	-0.6%	$3.4M
KOCoca Cola Co	0.7%	0.7%	35,137	-1.5%	$3.0M
GPCGenuine Parts Co	0.6%	0.6%	20,228	-2.6%	$2.5M
IBMInternational Business Machs	0.5%	0.6%	8,326	-2.3%	$1.8M
TAt&t Inc	0.4%	0.3%	65,536	-0.2%	$1.6M
MCDMcdonalds Corp	0.3%	0.4%	5,918	-2.1%	$1.4M
PGProcter & Gamble Co	0.3%	0.3%	9,021	+0.0%	$1.3M
PNWPinnacle West Cap Corp	0.3%	0.4%	13,510	-3.2%	$1.3M
SNYNFSanofi SA	0.2%	0.2%	21,872	+0.0%	$902K
LMTLockheed Martin Corp	0.2%	0.2%	1,657	-4.3%	$844K
CLColgate Palmolive Co	0.2%	0.2%	8,875	+0.0%	$757K
TJXTjx Cos Inc New	0.1%	0.2%	4,268	+0.4%	$565K
VNQVanguard Index Fds	0.1%	0.1%	4,942	+0.0%	$443K
HLNHaleon PLC	0.1%	0.1%	48,842	-0.6%	$440K
CVSCvs Health Corp	0.1%	0.1%	4,521	+0.0%	$387K
PEGPublic Svc Enterprise Group	0.1%	0.1%	4,983	+0.0%	$336K
BACBank of Amer Corp	0.1%	0.1%	5,881	+0.0%	$320K
NVONovo-Nordisk A S	0.1%	0.1%	7,014	+0.0%	$266K
AMGNAmgen Inc	0.1%	0.1%	612	+0.0%	$258K

What Keystone Financial Planning, Inc. bought and sold in Q3 2026, against Q2 2026.

New positions

PPL Ppl Corp2.3% of 13F

Added to

HDV Ishares Tr+65.5% shares
SPYD Spdr Ser Tr+11.1% shares
GSK Gsk PLC+8.0% shares

Reduced

No position shrank by more than 5%.

Sold out

MDT Medtronic PLCwas 2.5%

Share counts compared with the Q2 2026 13F; a split also changes share counts.

How the holdings did against the S&P 500.

1 year: +29.5% /yr; S&P 500 +11.7%
3 years: +18.6% /yr; S&P 500 +22.3%
5 years: +9.2% /yr; S&P 500 +10.6%

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$403.9M	39
Q2 2026	$387.9M	39
Q1 2026	$374.4M	40
Q4 2025	$344.8M	44
Q3 2025	$344.1M	46
Q2 2025	$330.8M	45
Q1 2025	$335.6M	46
Q4 2024	$322.4M	46
Q3 2024	$330.4M	47
Q2 2024	$302.2M	49
Q1 2024	$308.4M	49
Q4 2023	$302.7M	49

Questions about Keystone Financial Planning, Inc.'s portfolio

What stocks does Keystone Financial Planning, Inc. own?

Keystone Financial Planning, Inc.'s latest 13F, for Q3 2026 and filed Oct 8, 2026, lists 39 positions worth $403.9M. The largest are Schwab Strategic Tr (SCHD) at 50.6%, Chevron Corporation (CVX) at 4.1%, Microsoft Corp (MSFT) at 3.5%, US Bancorp (USB) at 3.2% and Bank Nova Scotia B C (BNS) at 3.0%.

What did Keystone Financial Planning, Inc. buy last quarter?

In Q3 2026, Keystone Financial Planning, Inc. added a new position in Ppl Corp (PPL), Ishares Tr (HDV) (+65.5% shares), Spdr Ser Tr (SPYD) (+11.1% shares) and Gsk PLC (GSK) (+8.0% shares), compared with its Q2 2026 filing.

What did Keystone Financial Planning, Inc. sell last quarter?

In Q3 2026, Keystone Financial Planning, Inc. sold all of Medtronic PLC (MDT), compared with its Q2 2026 filing.

How has Keystone Financial Planning, Inc.'s portfolio performed?

A portfolio copying Keystone Financial Planning, Inc.'s 20 largest 13F holdings each quarter, from the day each filing was public, returned +18.6% a year over the last 3 years, against +22.3% for the S&P 500. Over 1 year: +29.5% against +11.7%. Over 5 years: +9.2% a year against +10.6%.

When is Keystone Financial Planning, Inc.'s next 13F filing due?

13F filings are due 45 days after each quarter ends. Keystone Financial Planning, Inc.'s filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does Keystone Financial Planning, Inc. manage?

Keystone Financial Planning, Inc. reported $406.9M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $403.9M.