Overview
ADVISORY BUSINESS
A. Description of our business Keynote Financial Services, LLC (“KFS”) registered as an
investment adviser in Connecticut in 2004. In 2022, KFS switched its registration to the
U.S. Securities and Exchange Commission. Kent D. Zahner owns it 100%. Both James
M. Desrocher and Kent D. Zahner are its investment advisor representatives.
B. Description of advisory services we offer KFS is a small firm specializing in financial
planning and investment management of client portfolios.
Financial planning includes tax planning, insurance planning, retirement planning and
estate planning. Financial planning services may include consultations and/or written
financial plans, which analyze your financial situation and makes appropriate
recommendations for strategies and methods of implementation of the strategies.
When managing client portfolios, we take under consideration our clients’ personal
financial situation, which includes employment status, cash reserves, investment account
values, retirement account values, age, anticipated retirement date, other sources of
income and their personal tolerance for risk and volatility. With this information, we then
assist clients with implementing an appropriate investment strategy. We will monitor
and
adjust the client portfolios in accordance with the investment strategy.
When we manage your accounts, we use general securities (exchange listed stocks, over-
the-counter stocks, pink sheet stocks, foreign issued stocks and bonds), mutual funds
(including exchange traded funds or ETFs), government securities and options. If you
want to invest in what are being called “alternative investments” such as managed
futures, private equity, currency or hedge funds, we will help you select and monitor
other money managers investing in alternative investments.
C. If, or how we tailor our advisory services to your individual needs All of our clients
are different, so we tailor our services to meet your needs by consultations to discover
your individual hopes, goals, and dreams. Then we analyze your current investments and
make suggestions on how to meet your objectives. Of course, you may impose
restrictions on investing in certain securities or types of securities. It is your portfolio,
after all. (Please refer to Item 16.)
D. Wrap fee programs KFS does not participate in wrap-fee programs.
E. Amount of assets we manage As of February 29, 2024, KFS managed approximately
$154,749,434 on a discretionary basis and $0 on a non-discretionary basis.