Keystone Global Partners

Forward-Thinking Wealth Management For Tech Founder

Investment Management

Our role is to structure your portfolio to meet your financial goals. Our investment philosophy is rooted in decades of academic research, not speculation and emotions. As your partner, we’ll help you navigate ever-changing markets and keep focused on what really matters.

what you should be talking about

Keystone Client Portfolios Don’t
Always Look Like Everyone Else’s

It’s a marathon, not a sprint.

Markets will go up and down. Our job is to eliminate the near-term
“noise” and focus on long-term repeatable results.

Our portfolios are globally diversified, have healthy allocations to alternative investments, and minimize investment fees when possible. Our approach puts every aspect of your financial life at the forefront of your portfolio—your risk tolerance, liquidity needs, tax opportunities, and long-term goals.

With those objectives, we leverage decades of academic research to optimize returns and control risk within the portfolio.

What Makes Us Different?

Here are some of the basics:

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Average Investor

Average Investor

Studies show average investor returns significantly trail market indexes for a variety of reasons. The average investor in equity mutual funds underperformed the S&P 500 by 5.9% annualized over the last 30 years. Cumulatively, this is a lot of lost returns. This data comes from the 2019 Quantitative Analysis of Investor Behavior report by DALBAR, the leading independent, unbiased investment performance rating firm, and it covers the 20-year period ending December 31, 2018.

[Source: Dalbar: Quantitative Analysis of Investor Behavior 2019, New York Times]

  • Alternative Investment Program
  • Tax Strategy
  • Asset Allocation Decisions
  • Systematic Asset Rebalancing
  • Behavioral Finance Coaching

Tax Strategy

  • Proactive tax planning to enhance after-tax portfolio returns.
  • Portfolio tax strategy coordinated with overall financial plan.

Systematic Asset Rebalancing

  • Regular portfolio rebalancing can add return to a portfolio and reduce risk.
  • Ensure a portfolio’s asset allocation stays within its desired risk tolerance.
  • Sells assets that have appreciated and buys assets that have depreciated.
  • Discipline is required as the best times to rebalance are when it is most psychologically difficult.

Behavioral Finance Coaching

  • Behavioral finance shows investors do not always make rational decisions and can be influenced by different biases.
  • Investing can be emotional, and it’s our job to maintain the long-term course.
  • We intervene when natural investor behavior could have a negative impact on portfolio returns.

Asset Allocation Decisions

  • Capital deployment strategy across different asset classes and investments.
  • Asset allocation is the most important portfolio management decision.
  • It provides for portfolio diversification and risk reduction.
  • We take into account research such as, but not limited to, Nobel prize-winning economic research from Harry Markowitz (Modern Portfolio Theory), William Sharp (Capital Asset Pricing Model – CAPM), as well as best practices from the endowment model which includes alternative asset classes.

Alternative Investment Program

  • Provide uncorrelated returns to make a more efficient portfolio.
  • Improve portfolio returns and reduce portfolio volatility.
  • Invest in a custom, diversified, and managed portfolio of private investments.
  • Includes Private Equity, Real Estate, Hedge Funds, Crypto, Venture, others.
  • Access institutional grade investments.
  • Invest like a family office or endowment.

Keystone
Investor

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Focus on the things that matter

Our role is to structure your portfolio to meet your financial goals. Our investment philosophy is rooted in decades of academic research, not speculation and emotions. As your partner, we will help you navigate the markets and keep you focused on what really matters.

Ready to Get Started?

What types of clients do you specialize in?

Our Wealth Management clients consist of founders, entrepreneurs, and their families.

Will you help me solve any and all financial problems I may encounter?

We function as your personal Chief Financial Officer (CFO), and it's highly probable that we've assisted others in resolving comparable issues, many times over. Examples include business exit strategy, QSBS optimization, tax reduction, estate planning, exit planning for company founders, alternative investments, 401(k) plans, IRS audits, family transitions, disability, real estate, debt management, social security, Medicare, health insurance, family office structure, college funding, gifting, and a wide range of other financial concerns.

What services do you provide?

Our primary areas of focus include proactive and ongoing tax minimization, advanced financial planning, and sophisticated investment management.

How do you help clients implement their financial plans?

We firmly believe that even the best advanced financial plan is of little value until it’s implemented. To help you achieve your goals without feeling stressed or overwhelmed by the noise along the way, we will work together to make the necessary decisions; then, we will take care of the execution.

Are your recommendations truly in my best interest?

As an SEC Registered Investment Advisory firm, we are held to a fiduciary standard, which legally requires us to do what is in our clients’ best interests. This differs drastically from some of our competitors. Our commitment to an honest and ethical culture has allowed us to build deep, trusted relationships with our clients.

What are all the different ways you are compensated?

We are only compensated via one management fee. We believe this allows us to have an unbiased framework to select the best investments for you and to give you advice tailored to your needs, not ours. We believe compensation drives behavior, and the way someone is paid influences the work they do. Many financial firms have complex fee arrangements; we do not.

Why would I choose you as my financial advisor and not DIY?

There’s certainly a possibility that if you put enough focus and energy into it, you could do it all yourself. But like everyone else, your time is limited, and most people prefer to focus on family or business. We’re here to free up your time while leveraging our wealth of experience in addressing concerns, presenting solutions, and working toward your financial goals.

What are the benefits of working with an independent financial advisor compared to a bank or large advisory firm?

Our independent and conflict-free approach allows us to find the best solutions for our clients. This gives you the advantage since larger firms might be compelled to make specific recommendations, sell proprietary products, or may be restricted in the advice and services they offer. We offer guidance customized to your needs and goals which is a personalized level of service, care, and attention larger firms just can’t provide.

Do you use proprietary funds?

At Keystone, we do not use proprietary products. We do not receive commissions or backend fees from any third parties. We do not earn compensation for recommending one fund vs. another. We believe this allows us to have the most unbiased framework to select the best investments for you and to provide advice tailored to your needs, not ours.

Where do you keep my money and how can I see it?

For your convenience and safety, we use Charles Schwab as the custodian for the majority of our client assets. Schwab administers more than $7 trillion dollars and we selected them to care for yours as well based on a variety of criteria including safety of assets, financial strength, and ease of use. As custodian, Schwab holds your funds and provides direct reporting to you. Your funds will be held in accounts under your name and can be viewed anytime online at Schwab.