Keystone Financial Planning, Inc.

Concentrated strategyMomentum follower

Total reported value

$374.4M

Reporting period: 2026-03-31 · Number of holdings: 40

Keystone Financial Planning, Inc. disclosed 40 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $374.4M and a quarterly turnover rate of 25.7%.

Personality snowflake

Concentration: 100
Portfolio Stability: 25.73
Momentum/Contrarian: 100
Sector conviction: 50.98
Diversification: 80
Sizing Uniformity: 65.43

Recent moves

Add SCHD
+12.0%　$41.9M
Trim PM
-54.6%　-$6.7M
Trim CVX
-67.7%　-$6.6M
Trim MSFT
0.0%　-$3.0M
Add XOM
+0.0%　$2.4M
Trim QCOM
0.0%　-$1.1M

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	SCHD	Schwab US Dvd Equity ETF	ETF-Other	55.43%	+7.40%	+12.02%
2	VZ	Verizon Communications INC	Stock-Comm Services	3.20%	+0.39%	+0.53%
3	USB	US Bancorp	Stock-Financials	3.12%	-0.30%	+1.58%
4	MSFT	Microsoft CORP	Stock-Tech	2.66%	-1.11%	—
5	BTI	British American Tob-sp Adr	Stock-Consumer Staples	2.61%	-0.14%	—
6	BMY	Bristol-myers Squibb Co	Stock-Healthcare	2.58%	+0.08%	—
7	BNS	Bank Of Nova Scotia	Stock-Financials	2.58%	-0.39%	—
8	CME	Cme Group INC	Stock-Financials	2.53%	-0.01%	-0.01%
9	SPYD	Ss Spdr P S&p 500 Hi Div ETF	ETF-Large Cap & Growth	2.39%	-0.02%	+2.22%
10	UL	Unilever Plc-sponsored Adr	Stock-Consumer Staples	2.33%	+2.33%	NEW
11	XOM	Exxon Mobil CORP	Stock-Energy	2.21%	+0.51%	+0.05%
12	MO	Altria Group INC	Stock-Consumer Staples	1.89%	+0.10%	—
13	PFE	Pfizer INC	Stock-Healthcare	1.85%	+0.07%	—
14	TROW	T Rowe Price Group INC	Stock-Financials	1.65%	-0.38%	—
15	PM	Philip Morris International	Stock-Consumer Staples	1.56%	-2.07%	-54.63%
16	CVX	Chevron CORP	Stock-Energy	1.38%	-2.03%	-67.72%
17	UPS	United Parcel Service-cl B	Stock-Industrials	1.20%	-0.12%	—
18	CSCO	Cisco Systems INC	Stock-Tech	1.02%	-0.09%	-0.70%
19	QCOM	Qualcomm INC	Stock-Tech	0.90%	-0.40%	—
20	HDV	Ishares Core High Dividend E	ETF-Other	0.74%	-0.27%	-27.98%
21	KO	Coca-cola Co/the	Stock-Consumer Staples	0.73%	+0.01%	—
22	MCD	Mcdonald's CORP	Stock-Consumer Disc	0.70%	-0.05%	—
23	BEN	Franklin Resources INC	Stock-Financials	0.67%	-0.05%	+2.26%
24	GPC	Genuine Parts Co	Stock-Consumer Disc	0.59%	-0.15%	—
25	IBM	Intl Business Machines CORP	Stock-Tech	0.55%	-0.18%	—
26	T	At&t INC	Stock-Comm Services	0.51%	+0.05%	+4.09%
27	PNW	Pinnacle West Capital	Stock-Utilities	0.38%	+0.04%	+6.33%
28	PG	Procter & Gamble Co/the	Stock-Consumer Staples	0.35%	-0.03%	—
29	LMT	Lockheed Martin CORP	Stock-Industrials	0.31%	+0.04%	—
30	SNY	Sanofi-adr	Stock-Healthcare	0.28%	-0.03%	—
31	CL	Colgate-palmolive Co	Stock-Consumer Staples	0.20%	—	—
32	TJX	Tjx Companies INC	Stock-Consumer Disc	0.18%	-0.01%	+0.28%
33	HLN	Haleon Plc-adr	Stock-Healthcare	0.14%	-0.02%	-3.42%
34	VNQ	Vanguard Real Estate ETF	ETF-Other	0.12%	-0.01%	—
35	PEG	Public Service Enterprise Gp	Stock-Utilities	0.11%	-0.02%	-2.66%
36	GSK	Gsk Plc-spon Adr	Stock-Healthcare	0.09%	+0.02%	+30.78%
37	CVS	Cvs Health CORP	Stock-Healthcare	0.09%	-0.01%	—
38	BAC	Bank Of America CORP	Stock-Financials	0.08%	-0.01%	—
39	AMGN	Amgen INC	Stock-Healthcare	0.06%	—	—
40	ACN	Accenture plc	Stock-Tech	0.06%	-0.02%	—

Portfolio Performance

Performance for Q3 2026

+3.2%

Performance Last 4 Quarters

+28.1%

Based on 86% of reported portfolio value with available pricing

Stdev: +11.9%
Beta: +0.49
Alpha: +7.8%
Max Drawdown: -6.2%
Annualized Perf: +17.3%
Batting Avg vs S&P: +44.4%
Sortino: +2.88
Stutzer: +0.41
Treynor: +0.35
Sterling: +1.18
Calmar: +2.8
Information Ratio: -0.14
Tracking Error: +12.1%
Stdev Down: +5.8%
Winning Months %: +61.1%
Losing Months %: +38.9%
Best 12 Months: +31.9%
Worst 12 Months: +6%
Efficiency Ratio: +0.56
Sharpe: +1.41
Stdev Sectors: +8.1%
Skewness: -0.09
Kurtosis: -0.75
Upside Potential: +4.58

Reported value over time

Sector allocation

Sector allocation over time

Quarterly history

Period	Holdings	Total value	Stability	Top holdings
2026-03-31	40	$374.4M	26	1SCHD 2VZ 3USB Top holdings2026-03-31 1.SCHD 2.VZ 3.USB 4.MSFT 5.BTI 6.BMY 7.BNS 8.CME 9.SPYD 10.UL
2025-12-31	44	$344.8M	13	1SCHD 2MSFT 3PM Top holdings2025-12-31 1.SCHD 2.MSFT 3.PM 4.USB 5.CVX 6.BNS 7.VZ 8.BTI 9.CME 10.BMY
2025-09-30	46	$344.1M	24	1SCHD 2MSFT 3CVX Top holdings2025-09-30 1.SCHD 2.MSFT 3.CVX 4.USB 5.VZ 6.GSK 7.BTI 8.BNS 9.SPYD 10.DEO
2025-06-30	45	$330.8M	0	1SCHD 2MSFT 3VZ Top holdings2025-06-30 1.SCHD 2.MSFT 3.VZ 4.USB 5.GSK 6.TD 7.SPYD 8.BTI 9.BNS 10.BMY
2025-03-31	46	$335.6M	100	1SCHD 2VZ 3MSFT Top holdings2025-03-31 1.SCHD 2.VZ 3.MSFT 4.BMY 5.USB 6.CME 7.GSK 8.SPYD 9.T 10.PNW
2024-12-31	46	$322.4M	0	1SCHD 2MSFT 3PM Top holdings2024-12-31 1.SCHD 2.MSFT 3.PM 4.VZ 5.BMY 6.SPYD 7.CME 8.TROW 9.GSK 10.BNS
2024-09-30	47	$330.4M	0	1SCHD 2MSFT 3VZ Top holdings2024-09-30 1.SCHD 2.MSFT 3.VZ 4.PM 5.SPYD 6.BMY 7.CME 8.TROW 9.PFE 10.PNW
2024-06-30	49	$302.2M	0	1SCHD 2MSFT 3VZ Top holdings2024-06-30 1.SCHD 2.MSFT 3.VZ 4.PM 5.SPYD 6.TROW 7.PFE 8.WEC 9.CME 10.UPS
2024-03-31	49	$308.4M	0	1SCHD 2MSFT 3HDV Top holdings2024-03-31 1.SCHD 2.MSFT 3.HDV 4.VZ 5.PEG 6.TROW 7.SPYD 8.PM 9.MMM 10.BMY
2023-12-31	49	$302.7M	0	1SCHD 2MSFT 3VZ Top holdings2023-12-31 1.SCHD 2.MSFT 3.VZ 4.IBM 5.PM 6.MMM 7.PFE 8.SPYD 9.PEG 10.IFF
2023-09-30	48	$286.2M	0	1SCHD 2MSFT 3PFE Top holdings2023-09-30 1.SCHD 2.MSFT 3.PFE 4.VZ 5.PM 6.IBM 7.PEG 8.UPS 9.TROW 10.BMY
2023-06-30	47	$298.7M	0	1SCHD 2MSFT 3VZ Top holdings2023-06-30 1.SCHD 2.MSFT 3.VZ 4.PFE 5.PM 6.PEG 7.UPS 8.IBM 9.PNW 10.TROW
2023-03-31	45	$293.9M	0	1SCHD 2GSK 3VZ Top holdings2023-03-31 1.SCHD 2.GSK 3.VZ 4.PFE 5.UL 6.PM 7.MSFT 8.UPS 9.PEG 10.MMM
2022-12-31	44	$296.7M	0	1SCHD 2CSCO 3GSK Top holdings2022-12-31 1.SCHD 2.CSCO 3.GSK 4.VZ 5.PM 6.UL 7.IBM 8.PEG 9.MMM 10.NJR
2022-09-30	44	$260.2M	0	1SCHD 2XOM 3CSCO Top holdings2022-09-30 1.SCHD 2.XOM 3.CSCO 4.VZ 5.GSK 6.KEL 7.UL 8.PM 9.MMM 10.JPM
2022-06-30	46	$284.6M	0	1SCHD 2XOM 3GSK Top holdings2022-06-30 1.SCHD 2.XOM 3.GSK 4.CSCO 5.VZ 6.PM 7.AMGN 8.IBM 9.NJR 10.BTI
2022-03-31	46	$298.8M	0	1SCHD 2XOM 3GSK Top holdings2022-03-31 1.SCHD 2.XOM 3.GSK 4.MSFT 5.VZ 6.BMY 7.CVX 8.NJR 9.PM 10.AMGN
2021-12-31	46	$293.6M	0	1SCHD 2GSK 3XOM Top holdings2021-12-31 1.SCHD 2.GSK 3.XOM 4.HDV 5.MSFT 6.CVX 7.VZ 8.PM 9.IBM 10.AMGN
2021-09-30	45	$275.1M	0	1SCHD 2XOM 3PFE Top holdings2021-09-30 1.SCHD 2.XOM 3.PFE 4.BEN 5.HDV 6.GSK 7.IBM 8.CVX 9.PM 10.MSFT
2021-06-30	46	$276.1M	100	1SCHD 2XOM 3BEN Top holdings2021-06-30 1.SCHD 2.XOM 3.BEN 4.IBM 5.PFE 6.HDV 7.GSK 8.CVX 9.PM 10.T
2021-03-31	43	$268.3M	17	1SCHD 2BEN 3USB Top holdings2021-03-31 1.SCHD 2.BEN 3.USB 4.XOM 5.HDV 6.CVX 7.T 8.IBM 9.PFE 10.VZ
2020-12-31	46	$241.0M	22	1SCHD 2PFE 3HDV Top holdings2020-12-31 1.SCHD 2.PFE 3.HDV 4.BEN 5.USB 6.IBM 7.T 8.VZ 9.GSK 10.VYM
2020-09-30	44	$207.0M	43	1SCHD 2PFE 3VZ Top holdings2020-09-30 1.SCHD 2.PFE 3.VZ 4.IBM 5.HDV 6.T 7.VYM 8.GSK 9.BEN 10.BTI
2020-06-30	46	$202.8M	31	1SCHD 2GPC 3VYM Top holdings2020-06-30 1.SCHD 2.GPC 3.VYM 4.CVX 5.XOM 6.T 7.GSK 8.BTI 9.PFE 10.BEN
2020-03-31	44	$174.7M	55	1SCHD 2VYM 3PFE Top holdings2020-03-31 1.SCHD 2.VYM 3.PFE 4.T 5.GSK 6.PM 7.XOM 8.BTI 9.CVX 10.HDV
2019-12-31	45	$224.1M	12	1SCHD 2VYM 3T Top holdings2019-12-31 1.SCHD 2.VYM 3.T 4.KO 5.PFE 6.CVS 7.HDV 8.MMM 9.UL 10.GSK
2019-09-30	46	$209.5M	14	1SCHD 2VYM 3T Top holdings2019-09-30 1.SCHD 2.VYM 3.T 4.KO 5.UL 6.HDV 7.PFE 8.CVS 9.D 10.CVX
2019-06-30	47	$204.4M	16	1VYM 2SCHD 3PFE Top holdings2019-06-30 1.VYM 2.SCHD 3.PFE 4.UL 5.KO 6.T 7.HDV 8.CVX 9.PEP 10.D
2019-03-31	46	$202.7M	20	1VYM 2PFE 3PG Top holdings2019-03-31 1.VYM 2.PFE 3.PG 4.SCHD 5.PAYX 6.HDV 7.UL 8.KO 9.PEP 10.CVX
2018-12-31	46	$179.0M	13	1PFE 2CSCO 3VYM Top holdings2018-12-31 1.PFE 2.CSCO 3.VYM 4.PG 5.KO 6.SCHD 7.HDV 8.UL 9.CVX 10.PAYX
2018-09-30	45	$195.8M	14	1CSCO 2PFE 3VYM Top holdings2018-09-30 1.CSCO 2.PFE 3.VYM 4.SCHD 5.CVX 6.PAYX 7.HDV 8.KO 9.T 10.XOM
2018-06-30	45	$181.6M	14	1CSCO 2VYM 3CVX Top holdings2018-06-30 1.CSCO 2.VYM 3.CVX 4.PFE 5.SCHD 6.XOM 7.PAYX 8.KO 9.BTI 10.HDV
2018-03-31	47	$179.4M	29	1VYM 2CSCO 3BTI Top holdings2018-03-31 1.VYM 2.CSCO 3.BTI 4.PFE 5.CVX 6.T 7.SCHD 8.KO 9.HDV 10.PG
2017-12-31	45	$187.5M	24	1VYM 2BTI 3CVX Top holdings2017-12-31 1.VYM 2.BTI 3.CVX 4.CSCO 5.T 6.SCHD 7.BA 8.PFE 9.PG 10.HDV
2017-09-30	46	$176.3M	22	1BA 2VYM 3BTI Top holdings2017-09-30 1.BA 2.VYM 3.BTI 4.CVX 5.PFE 6.T 7.CSCO 8.SCHD 9.PG 10.HDV
2017-06-30	47	$165.1M	11	1BA 2VYM 3CVX Top holdings2017-06-30 1.BA 2.VYM 3.CVX 4.PFE 5.SCHD 6.T 7.UL 8.CSCO 9.HDV 10.KO
2017-03-31	47	$160.9M	8	1BA 2VYM 3T Top holdings2017-03-31 1.BA 2.VYM 3.T 4.CVX 5.CSCO 6.PFE 7.SCHD 8.HDV 9.UL 10.GSK
2016-12-31	46	$153.0M	9	1VYM 2CVX 3T Top holdings2016-12-31 1.VYM 2.CVX 3.T 4.BA 5.SCHD 6.PFE 7.CSCO 8.HDV 9.XOM 10.PM
2016-09-30	44	$152.2M	14	1VYM 2T 3CVX Top holdings2016-09-30 1.VYM 2.T 3.CVX 4.CSCO 5.PFE 6.SCHD 7.BA 8.PM 9.HDV 10.GSK
2016-06-30	44	$147.7M	21	1VYM 2WEC 3T Top holdings2016-06-30 1.VYM 2.WEC 3.T 4.CVX 5.PFE 6.XOM 7.SCHD 8.PM 9.BA 10.CSCO
2016-03-31	43	$139.7M	26	1VYM 2WEC 3T Top holdings2016-03-31 1.VYM 2.WEC 3.T 4.CVX 5.PM 6.SCHD 7.BA 8.PFE 9.KO 10.XOM
2015-12-31	43	$132.0M	14	1PG 2VYM 3WEC Top holdings2015-12-31 1.PG 2.VYM 3.WEC 4.MCD 5.CVX 6.MSFT 7.PFE 8.T 9.KO 10.SCHD
2015-09-30	43	$123.7M	22	1WEC 2PG 3PFE Top holdings2015-09-30 1.WEC 2.PG 3.PFE 4.T 5.KO 6.MCD 7.CVX 8.SCHD 9.MSFT 10.VYM
2015-06-30	42	$130.6M	25	1AAPL 2PG 3PFE Top holdings2015-06-30 1.AAPL 2.PG 3.PFE 4.T 5.OXY 6.SYY 7.MSFT 8.WEC 9.SCHD 10.GSK
2015-03-31	43	$131.5M	25	1AAPL 2PG 3PFE Top holdings2015-03-31 1.AAPL 2.PG 3.PFE 4.976657 5.SYY 6.GSK 7.T 8.COP 9.OXY 10.MCD
2014-12-31	45	$135.6M	34	1LMT 2PG 3AAPL Top holdings2014-12-31 1.LMT 2.PG 3.AAPL 4.976657 5.SYY 6.INTC 7.COP 8.MSFT 9.PFE 10.T
2014-09-30	45	$132.5M	14	1LMT 2PG 3CSCO Top holdings2014-09-30 1.LMT 2.PG 3.CSCO 4.INTC 5.MSFT 6.AAPL 7.SYY 8.KO 9.TTEN 10.T
2014-06-30	47	$132.8M	19	1LMT 2INTC 3PG Top holdings2014-06-30 1.LMT 2.INTC 3.PG 4.TTEN 5.CSCO 6.R6C2 7.SYY 8.POT1EUR 9.T 10.KO
2014-03-31	52	$129.2M	22	1LMT 2PG 3TTEN Top holdings2014-03-31 1.LMT 2.PG 3.TTEN 4.PFE 5.POT1EUR 6.INTC 7.JNJ 8.T 9.MSFT 10.CSCO
2013-12-31	99	$125.0M	—	1LMT 2PG 3PFE Top holdings2013-12-31 1.LMT 2.PG 3.PFE 4.TTEN 5.DHS 6.JNJ 7.R6C2 8.POT1EUR 9.INTC 10.HDV

Holding changes this quarter

Keystone Financial Planning, Inc.'s most significant position changes for 2026-03-31: New buy: Unilever Plc-sponsored Adr (UL); Sold out: Diageo Plc-sponsored Adr (DEO); Sold out: Johnson & Johnson (JNJ); Sold out: Emerson Electric Co (EMR); Sold out: Viatris INC (VTRS).

Position changes disclosed by Keystone Financial Planning, Inc. for the quarter ending 2026-03-31, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	SCHD	Schwab US Dvd Equity ETF	+7.4%	+12.02%	Add
2	XOM	Exxon Mobil CORP	+0.5%	+0.05%	Add
3	VZ	Verizon Communications INC	+0.4%	+0.53%	Add
4	MO	Altria Group INC	+0.1%	—	Unchanged
5	BMY	Bristol-myers Squibb Co	+0.1%	—	Unchanged
6	PFE	Pfizer INC	+0.1%	—	Unchanged
7	T	At&t INC	+0.1%	+4.09%	Add
8	PNW	Pinnacle West Capital	0%	+6.33%	Add
9	LMT	Lockheed Martin CORP	0%	—	Unchanged
10	GSK	Gsk Plc-spon Adr	0%	+30.78%	Add
11	KO	Coca-cola Co/the	0%	—	Unchanged
12	CL	Colgate-palmolive Co	—	—	Unchanged
13	AMGN	Amgen INC	—	—	Unchanged
14	CME	Cme Group INC	0%	-0.01%	Trim
15	BAC	Bank Of America CORP	0%	—	Unchanged
16	CVS	Cvs Health CORP	0%	—	Unchanged
17	TJX	Tjx Companies INC	0%	+0.28%	Add
18	VNQ	Vanguard Real Estate ETF	0%	—	Unchanged
19	SPYD	Ss Spdr P S&p 500 Hi Div ETF	0%	+2.22%	Add
20	ACN	Accenture plc	0%	—	Unchanged
21	HLN	Haleon Plc-adr	0%	-3.42%	Trim
22	PEG	Public Service Enterprise Gp	0%	-2.66%	Trim
23	PG	Procter & Gamble Co/the	0%	—	Unchanged
24	SNY	Sanofi-adr	0%	—	Unchanged
25	MCD	Mcdonald's CORP	-0.1%	—	Unchanged
26	BEN	Franklin Resources INC	-0.1%	+2.26%	Add
27	CSCO	Cisco Systems INC	-0.1%	-0.70%	Trim
28	UPS	United Parcel Service-cl B	-0.1%	—	Unchanged
29	BTI	British American Tob-sp Adr	-0.1%	—	Unchanged
30	GPC	Genuine Parts Co	-0.2%	—	Unchanged
31	IBM	Intl Business Machines CORP	-0.2%	—	Unchanged
32	HDV	Ishares Core High Dividend E	-0.3%	-27.98%	Trim
33	USB	US Bancorp	-0.3%	+1.58%	Add
34	TROW	T Rowe Price Group INC	-0.4%	—	Unchanged
35	BNS	Bank Of Nova Scotia	-0.4%	—	Unchanged
36	QCOM	Qualcomm INC	-0.4%	—	Unchanged
37	MSFT	Microsoft CORP	-1.1%	—	Unchanged
38	CVX	Chevron CORP	-2%	-67.72%	Trim
39	PM	Philip Morris International	-2.1%	-54.63%	Trim
40	UL	Unilever Plc-sponsored Adr	—	NEW	New buy
41	DEO	Diageo Plc-sponsored Adr	—	EXIT	Sold out
42	JNJ	Johnson & Johnson	—	EXIT	Sold out
43	EMR	Emerson Electric Co	—	EXIT	Sold out
44	VTRS	Viatris INC	—	EXIT	Sold out
45	VYM	Vanguard High Dvd Yield ETF	—	EXIT	Sold out

FAQ

What is Keystone Financial Planning, Inc. and what type of investor is it?

Keystone Financial Planning, Inc. is a investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2026-03-31), the firm manages a tracked equity portfolio valued at approximately $374.4M, spread across 40 disclosed positions.

What are Keystone Financial Planning, Inc.'s largest equity positions?

Based on the latest 13F filing, Keystone Financial Planning, Inc.'s top holdings by market value are: 1. Schwab US Dvd Equity ETF (SCHD) — $207.5M (55.4%) 2. Verizon Communications INC (VZ) — $12.0M (3.2%) 3. US Bancorp (USB) — $11.7M (3.1%) 4. Microsoft CORP (MSFT) — $9.9M (2.7%) 5. British American Tob-sp Adr (BTI) — $9.8M (2.6%)

What changes did Keystone Financial Planning, Inc. make in its most recent portfolio filing?

In the latest reported quarter, Keystone Financial Planning, Inc. made 23 notable position adjustments: 1 new positions were initiated, 10 existing holdings were added to, 7 positions were partially reduced, and 5 were completely exited. The largest of these moves: New buy: Unilever Plc-sponsored Adr (UL); Sold out: Diageo Plc-sponsored Adr (DEO); Sold out: Johnson & Johnson (JNJ); Sold out: Emerson Electric Co (EMR); Sold out: Viatris INC (VTRS)

What sectors does Keystone Financial Planning, Inc. focus on?

Keystone Financial Planning, Inc. is concentrated in the following sectors based on its current disclosed equity portfolio: • Financials: 25.7% • Consumer Staples: 23.4% • Information Technology: 12.5% • Health Care: 12.3% • Communication Services: 9.0% • Energy: 8.7%