Keystone Financial Planning, Inc. — 13F Holdings & Portfolio
CIK 1596906 · latest 13F-HR filed 2026-10-08
Keystone Financial Planning, Inc. manages $403.9M in 13F-reported U.S. long-equity assets across 39 reported positions as of its 2026-09-30 13F-HR filing. Its largest disclosed positions are SCHD (50.58%), CVX (4.12%), MSFT (3.49%). Quarter over quarter (versus its 2026-06-30 filing) the fund opened 1 new position and exited 1; 11 existing positions rose in reported value and 13 fell.
AUM is the long-equity portion reported on Form 13F-HR. Excludes short positions, cash, foreign holdings, and non-13F assets. For informational purposes only — not investment advice.
Long-equity book
Distinct positions
Filed 2026-10-08
vs 2026-06-30
Portfolio charts
Latest quarter's book, what changed, and how the portfolio has evolved across filings.
Portfolio map
Q3 26Box size = position value; colour = change in share count vs the prior quarter (green added, red trimmed, blue new). Rows split across managers or share classes are combined. Click a box for the stock.
Sector mix
% of 13F valueSectors from each company's SIC code; funds and ETFs grouped separately.
Biggest buys and sells
Q2 26 → Q3 26Estimated from the change in shares held × the quarter-end price, so price moves alone don't count as buying. New and exited positions are included.
13F assets and positions
4 quartersTotal reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.
Top positions over time
reported valueThe eight largest current positions, valued at each quarter end.
Concentration
top 10 = 77.3%Cumulative share of the portfolio held in the largest N positions.
As of the firm’s regulatory filing dated Feb 27, 2026.
| Name | Title / Status | Ownership | Type |
|---|---|---|---|
| BOROWIAK, LINDA, A. Control | SHAREHOLDER since Aug 1986 | 25–50% | Individual |
| PALUMBO, BRIGITTE Control | CHIEF COMPLIANCE OFFICER/PRESIDENT/SECRETARY since Aug 2014 | Less than 5% | Individual |
| SECHLER, KEITH, L. Control | CEO, TREASURER since Aug 1986 | 50–75% | Individual |
Ownership & leadership changes · 3 filings with changes since Feb 21, 2012
From the firm’s regulatory filings, newest first. Dates are filing dates: a filing that no longer lists someone does not say when they left.
- ChangedPALUMBO, BRIGITTE · title CHIEF COMPLIANCE OFFICER/VICE PRESIDENT/SECRETARY → CHIEF COMPLIANCE OFFICER/PRESIDENT/SECRETARY
- ChangedSECHLER, KEITH, L. · title PRESIDENT/TREASURER → CEO, TREASURER
- Listed againBOROWIAK, LINDA, A. · SHAREHOLDER · 25–50% · control person
- No longer listedBOROWIAK, LINDA, A. · VICE PRESIDENT/CHIEF COMPLIANCE OFFICER · 25–50% · listed since Aug 1986
- AddedPALUMBO, BRIGITTE · CHIEF COMPLIANCE OFFICER/VICE PRESIDENT/SECRETARY · Less than 5% · control person
- ChangedSECHLER, KEITH, L. · title PRESIDENT → PRESIDENT/TREASURER
- ListedBOROWIAK, LINDA, A. · VICE PRESIDENT/CHIEF COMPLIANCE OFFICER · 25–50%
- ListedSECHLER, KEITH, L. · PRESIDENT · 50–75% · control person
Quarter-over-quarter changes
Changes in reported position value vs the prior 13F, so price moves count too, not just shares bought or sold.
Top Adds (vs prior quarter)
- MICROSOFT CORP$4.1M +40.7%
- CHEVRON CORPORATION$3.1M +22.7%
- CME GROUP INC$1.8M +18.8%
- ISHARES TR$1.8M +68.9%
- EXXONMOBIL HOLDINGS CORP$1.2M +18.4%
Top Trims
- BRITISH AMERN TOB PLC-$1.3M -12.6%
- PRICE T ROWE GROUP INC-$721.9K -9.4%
- UNITED PARCEL SVCS INC-$677.1K -14.0%
- INTERNATIONAL BUSINESS MACHS-$564.6K -23.6%
- ALTRIA GROUP INC-$488.6K -6.4%
Keystone Financial Planning, Inc. Holdings (2026-09-30)
Rows tagged Call or Put are options positions, not stock. Per SEC Form 13F-HR, Value shows the notional value of the underlying (shares covered × underlying price), not the option premium. Shares is the number of underlying shares covered (divide by 100 for contract count).
| # | Issuer | Symbol | CUSIP | Value | Weight | Shares | Type |
|---|---|---|---|---|---|---|---|
| 1 | SCHWAB STRATEGIC TR | SCHD | 808524797 | $204.3M | 50.58% | 6,279,518 | SH |
| 2 | CHEVRON CORPORATION | CVX | 166764100 | $16.6M | 4.12% | 81,529 | SH |
| 3 | MICROSOFT CORP | MSFT | 594918104 | $14.1M | 3.49% | 27,488 | SH |
| 4 | US BANCORP | USB | 902973304 | $13.0M | 3.22% | 225,202 | SH |
| 5 | BANK NOVA SCOTIA B C | BNS | 064149107 | $12.3M | 3.04% | 134,967 | SH |
| 6 | CME GROUP INC | CME | 12572Q105 | $11.3M | 2.81% | 43,310 | SH |
| 7 | VERIZON COMMUNICATIONS INC | VZ | 92343V104 | $10.7M | 2.64% | 232,816 | SH |
| 8 | GSK PLC | GSK | 37733W204 | $10.2M | 2.52% | 211,232 | SH |
| 9 | SPDR SERIES TRUST | SPYD | 78468R788 | $10.0M | 2.46% | 219,348 | SH |
| 10 | UNILEVER PLC | UL | 904767803 | $9.7M | 2.41% | 160,199 | SH |
| 11 | BRISTOL-MYERS SQUIBB CO | BMY | 110122108 | $9.7M | 2.40% | 155,174 | SH |
| 12 | PPL CORP | PPL | 69351T106 | $9.3M | 2.30% | 282,743 | SH |
| 13 | BRITISH AMERN TOB PLC | BTI | 110448107 | $8.9M | 2.21% | 163,906 | SH |
| 14 | EXXONMOBIL HOLDINGS CORP | XOM | 30233Q108 | $7.8M | 1.92% | 47,734 | SH |
| 15 | ALTRIA GROUP INC | MO | 02209S103 | $7.1M | 1.76% | 105,453 | SH |
| 16 | PRICE T ROWE GROUP INC | TROW | 74144T108 | $6.9M | 1.72% | 66,572 | SH |
| 17 | PFIZER INC | PFE | 717081103 | $6.8M | 1.69% | 239,885 | SH |
| 18 | PHILIP MORRIS INTL INC | PM | 718172109 | $4.8M | 1.19% | 25,084 | SH |
| 19 | ISHARES TR | HDV | 46429B663 | $4.4M | 1.08% | 156,554 | SH |
| 20 | UNITED PARCEL SVCS INC | UPS | 911312106 | $4.2M | 1.03% | 44,446 | SH |
| 21 | FRANKLIN TEMPLETON INC | BEN | 354613101 | $3.4M | 0.84% | 105,146 | SH |
| 22 | COCA COLA CO | KO | 191216100 | $3.0M | 0.75% | 35,137 | SH |
| 23 | GENUINE PARTS CO | GPC | 372460105 | $2.5M | 0.63% | 20,228 | SH |
| 24 | INTERNATIONAL BUSINESS MACHS | IBM | 459200101 | $1.8M | 0.45% | 8,326 | SH |
| 25 | AT&T INC | T | 00206R102 | $1.6M | 0.40% | 65,536 | SH |
| 26 | MCDONALDS CORP | MCD | 580135101 | $1.4M | 0.34% | 5,918 | SH |
| 27 | PROCTER & GAMBLE CO | PG | 742718109 | $1.3M | 0.32% | 9,021 | SH |
| 28 | PINNACLE WEST CAP CORP | PNW | 723484101 | $1.3M | 0.31% | 13,510 | SH |
| 29 | SANOFI SA | SNY | 80105N105 | $901.8K | 0.22% | 21,872 | SH |
| 30 | LOCKHEED MARTIN CORP | LMT | 539830109 | $843.8K | 0.21% | 1,657 | SH |
| 31 | COLGATE PALMOLIVE CO | CL | 194162103 | $757.2K | 0.19% | 8,875 | SH |
| 32 | TJX COS INC NEW | TJX | 872540109 | $564.7K | 0.14% | 4,268 | SH |
| 33 | VANGUARD INDEX FDS | VNQ | 922908553 | $443.0K | 0.11% | 4,942 | SH |
| 34 | HALEON PLC | HLN | 405552100 | $439.6K | 0.11% | 48,842 | SH |
| 35 | CVS HEALTH CORP | CVS | 126650100 | $387.4K | 0.10% | 4,521 | SH |
| 36 | PUBLIC SVC ENTERPRISE GROUP | PEG | 744573106 | $335.6K | 0.08% | 4,983 | SH |
| 37 | BANK OF AMER CORP | BAC | 060505104 | $320.1K | 0.08% | 5,881 | SH |
| 38 | NOVO-NORDISK A S | NVO | 670100205 | $265.9K | 0.07% | 7,014 | SH |
| 39 | AMGEN INC | AMGN | 031162100 | $258.0K | 0.06% | 612 | SH |
| Period | Filed | AUM | Holdings | Accession |
|---|---|---|---|---|
| 2026-09-30 | 2026-10-08 | $403.9M | 39 | 0001596906-26-000006 |
| 2026-06-30 | 2026-07-15 | $387.9M | 39 | 0001596906-26-000004 |
| 2026-03-31 | 2026-04-09 | $374.4M | 40 | 0001596906-26-000003 |
| 2025-12-31 | 2026-01-07 | $344.8M | 44 | 0001596906-26-000001 |
CLEVELAND, OH 44145