Private Client Division- The Keystone Equities Group

In a dynamic and often volatile environment, investment management involves a steady eye on the market. Our Financial Consultants bring experience, knowledge and a focus to the market intricacies. Our clients are our partners and we strive to ensure that our knowledge and vision complement our client’s strategies. We work to understand our client’s investment style, tax situation, and other sensitivities and then structure and manage portfolios to achieve investment goals while taking advantage of current market conditions. Communication and Trust are the keys to our mutual success.

The Private Client Division (“PCD”) exists to address the financial need and goals of corporations, their executives and employees, and high net worth individuals and their families. Led by William B. Fretz, Jr., the Financial Consultants of the PCD provide wealth management solutions which help our clients, address the inevitable issues and challenges of the marketplace with confidence. Our suite of solutions includes the following services:

Restricted, Control and Employee Stock
Annuities and Insurance
Liability and Risk Management
Retirement Planning
Education Funding
Estate Planning
Asset allocation
Retirement Distribution Planning
Commission or Fee based Order Execution
Online Access to Accounts

Additionally, qualified clients of Keystone have access to all the products and services provided by the firm, including opportunities ordinarily reserved for institutional clients in our investment banking department.

Building, managing, and maintaining wealth can be a challenge – with your Financial Consultant of The Keystone Equities Group it doesn’t have to be. With our strategic guidance we can help you capitalize on opportunities to grow, preserve and transfer your wealth for all your multigenerational needs. The Keystone Equities Group is accustomed to offering sophisticated advice to affluent individuals who want to simplify financial management to lesson the emotional impact to the next generation of family members. Tap into some of the leading wealth management solutions available in the marketplace and put the command of Keystone to work for you. To contact the Private Client Division, please contact William B. Fretz, Jr. at (800) 715-9905 or email via wfretz@keystoneequities.com.

Corporate Executive Services
Opening Doors to Liquidity and Diversification!

Keystone provides restricted and control stock solutions to address the financial needs of the exclusive universe of corporate executive clients. The use of stock options and restricted securities to compensate executive and management level employees is widespread. As a result, significant wealth is being generated at a rapid pace. You, as a high net worth client may realize substantial gains with these assets, but they also face considerable implications – risks associated with holdings concentrated in a single sector, possible tax consequences, and limited liquidity. The Keystone Equities Group provides the following solutions that can help you address these potential issues and maximize the opportunities they present.

Employee Stock Options

Many companies offer their valued employees stock options in order to encourage ownership, foster commitment to their company, and share in the company’s success. Options that are “in the money” may represent sizeable elements of compensation at executive or management levels. If you wish to exercise your options in a full or partial sale and gain the ability to margin all or a portion of the shares - Keystone has the resources that are required to expedite this process, giving you prompt access to liquidity and (as available) the funds needed for alternative investment and diversification.

Restricted and Control Stock Sales

Maintaining large holdings of restricted or control stock has its rewards – if a company does well, its recipients benefit greatly. At Keystone we believe it is critical to have a thorough understanding of these securities in order to realize their full potential. These types of securities are not freely saleable in public markets, and may be subject to applicable SEC rules, such as 144, 145, or shelf registrations. You, as the client, can leverage this expertise at The Keystone Equities Group to guide you through the complexities of selling restricted or control stock and subsequent diversification of your portfolio.

Restricted and Control Stock Loans

Liquidating large, concentrated holdings may not always be the most advantageous. Significant tax ramifications may result if the stock was acquired at a low cost and has appreciated over time. Clients of The Keystone Equities Group can leverage these holdings by borrowing against them. Under qualified circumstances, a client can pledge their shares as collateral and use the loan proceeds to diversify your portfolio or satisfy other financial needs. Reap the benefits of liquidating funds while maintaining ownership of the securities. The Keystone Equities Group can assist you with the qualification process and the execution of leverage borrowing against these assets.

Alternative Solutions

Financial Consultants of Keystone can work with you to consider alternative investment vehicles for select clients, including collars, exchange funds, high yield offerings, and hedge funds. Access to these types of products can support strategies including capital preservation, risk protection, tax advantaged participation, leverage, and diversification. However, such investment alternatives require stringent suitability review and close coordination with your clients, and may vary based on term, nature or investment minimum. Keystone facilitates participation in these complex products and can co-ordinate your interest in these areas.