Keystone Global Partners

Forward-Thinking Wealth Management For Tech Founder

Calvin Lo

Accreditation, Career, and Education

  • Certified Private Wealth Advisor® (CPWA®) designation from the University of Chicago Booth School of Business, in collaboration with the Investments and Wealth Institute®
  • Merrill Lynch Private Banking and Investment Group, Wealth Advisor
  • Royal Oak Capital Management, Principal and Investment Advisor
  • Search and Care, Board of Directors
  • B.B.A in Finance, SMU | Cox School Of Business

FINRA Brokercheck

Peyton Carr, CPWA®

Managing Director

Why you are passionate about financial planning?

I enjoy building close relationships with my clients as I work on helping them accomplish their goals along life’s path. I’m a problem solver, I like people, and I love my job. I enjoy the challenge of being presented with a situation, and then relied on to figure out the best solution. I pride myself on being ahead of the curve on everything wealth management-related!

It’s the ultimate compliment to become the trusted advisor to the family.

What are your day-to-day duties?

No two days are alike in my business! Although, at the highest level, I am always speaking with clients, monitoring portfolios, planning, and strategizing. I am constantly seeking out new investment and planning opportunities while interfacing with our clients’ other team members to provide seamless service. Many clients refer to me as their financial quarterback or personal CFO.

What is your proudest professional accomplishment?

Ultimately, my proudest accomplishment is when we become a trusted advisor to a client relationship. Like a marriage, I know this takes time and is something that must be earned.

Additionally, this year we were awarded the Best Multi-Family Office under $5 billion by Private Asset Management (PAM). This gave recognition to all our team’s hard work and efforts to go above and beyond for our clients.

What’s the best advice you’ve ever received, professionally or personally?

A professor once told me to never stop learning, and I took that to heart. Although it might seem cliché, self-growth is extremely important to me and I’m continuously looking for ways to improve both personally and professionally. So, whether it’s reading, researching, or exploring new investment ideas, I’m always trying to expand my knowledge base.

What makes you qualified to do what you do?

I love working with people, and I’ve been in this business since 2004. Before I co-founded Keystone Global Partners in 2010, I spent most of my career at Merrill Lynch in its ultra-high net worth division, The Private Banking and Investment Group, advising some of the nation’s most affluent clients. Additionally, I’ve earned the Certified Private Wealth Advisor® (CPWA®) designation from the University of Chicago Booth School of Business. The CPWA® is an advanced designation for those seeking the latest, most advanced knowledge and techniques to address the sophisticated needs of ultra-high net worth clients. I’m a contributor to both TechCrunch and Forbes and write about personal finance and wealth management topics.

Are you affiliated with any organizations, either professionally or personally?

  • TechCrunch – Contributor
  • Forbes – Business Council Member and Contributor
  • Search and Care – Member of the Board of Directors
  • Investments & Wealth Institute – Member

What do you like to do outside of work?

I love outdoor activities such as skiing, hiking, catch-and-release fishing, and biking. I’m also actively involved in and on the Board of Directors of Search and Care, which is a not-for-profit focused on providing help and support for older people in the community who need assistance managing life’s daily activities.

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

Yes, and it’s likely we’ve helped others solve similar problems as well such as business sales, QSBS, tax minimization, estate, 401(k) plans, IRS audits, family deaths, disability, real estate, debt, social security, Medicare, health insurance, college, gifting, and most other financial issues.

What types of clients do you specialize in?

We work specifically with tech founders.

What services do you provide?

A relationship with Keystone involves comprehensive financial planning around retirement, insurance, estate planning, tax planning, and investment management.

How do you help clients implement their financial plans?

We firmly believe that even the best 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 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 who are only held to the “suitability standard,” meaning that our competitors can make recommendations that are suitable but may not be in the clients’ best interests. 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 get paid?

We are only paid 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 advisor and not do it myself?

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 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.