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Our Story
Keystone Financial Group (KFG) was founded in Lexington, Kentucky in June of 2008. The vision of the founding partners was to become an independent firm where the focus is centered on the client. Being an Independent firm means KFG advisors have access to objective research and a variety of investment opportunities to meet each client’s investment objectives. In doing so, we offer a wide range of financial services to help strategically plan, preserve and proactively manage our client’s assets for the short and long term.
KFG Advisors use the EGPRIM Process:
- E – Establish a time to review your financial situation.
- G – Gather the necessary personal, financial, and insurance information.
- P – Process, allow your KFG advisor to process the information.
- R – Recommend strategies and solutions unique to the situation.
- I – Implement strategies per client’s request [fees may occur].
- M – Monitor investments to ensure wealth is strategically managed/preserved.
June 2008
KFG opens first office in Lexington
April 2013
Opened the Leitchfield Office
April 2014
KFG forms a SEC Registered RIA
June 2014
Opened the Somerset Office
May 2017
Opened the Mt. Sterling Office
January 2019
Opened the Ashland Office
March 2019
KFG Passes $1 billion in AUM
January 2020
Opened the Salem Office
November 2021
KFG Passes $2 billion in AUM
September 2023
Opened the Louisville Office
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Mike Hobbs
Financial Advisor
Mike Hobbs
Financial Advisor
With more than 30 years of financial planning experience, Michael specializes in retirement planning, income distribution planning and intergenerational family planning. Through careful listening and thoughtful strategic planning, Michael strives to help his clients seek and maintain financial independence.
Michael is a lifelong resident of Kentucky. He earned his BS in Accounting from Murray State University, and his JD from the University of Louisville. He has earned the professional designations of Certified Financial Planner and Certified Public Accountant.
Michael began his career in the financial services industry as a Senior Trust Officer in the trust departments of various financial institutions. Upon leaving the banking community in 2007 he became a local Registered Representative with LPL Financial, one of the country’s leading Independent Broker/Dealers. He joined Keystone Financial Group in 2019 as a registered investment advisor.
Michael is actively involved on the Boards and committees of many civic and non-profit organizations in the area including the Paramount Arts Center, Inc., Community Hospice, Inc., Community and Technical College Foundation of Ashland, Inc., United Way of Northeast Kentucky, and Foundation for the Tri-State Communities, Inc.
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Valerie Farris
Executive Assistant
Valerie Farris
Executive Assistant
Valerie Farris is the Executive Assistant for Keystone Financial Group in our Leitchfield office. Valerie has dedicated her professional life to serving the people of the community she grew up in. After attending Western Kentucky University studying business, she started her career with the Workforce Development Cabinet at the Leitchfield Career Center. Her work there was very challenging but also very rewarding. She served her community for 28 years coordinating programmatic activities related to employment services and unemployment insurance including processing unemployment claims, registering job seekers for work, and making job referrals to employers while ensuring quality services were administrated. She retired in 2007 vowing to live a life of gardening, cooking, and decorating, three of her favorite things.
In 2009 Valerie realized that public service was a part of her and started working part time for Edward Jones Investments as an on call Business Office Assistant. She traveled to area Edward Jones offices filling in for BOA’s learning everything she could about the financial industry. She went to work full time for Elder Wealth Management in 2010, and this led her to Keystone Financial Group with our purchase of Elder Wealth Management in 2013.
Valerie continues to serve the Leitchfield community, committed to providing outstanding customer service. She and her husband Joe enjoy family time with their two children Jason and his wife Leslie and Tasha and her husband Joseph, and three grandchildren, Tyler, Jacie, and Lanie.
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Mike Kretz
Financial Advisor
Mike Kretz
Financial Advisor
Mike Kretz is a co-founder of Keystone Financial Group (KFG), a comprehensive wealth management firm located in Lexington, KY. He obtained his degree in Economics from Centre College and began his career working as a financial advisor for Edward Jones in 2001. He left Edward Jones in June of 2008 to start KFG with his two business partners. He holds his Securities Series 7, 63, and 66 registrations through LPL Financial. Mike also holds his Life and Health Insurance license for the state of Kentucky.
Mike enjoys assisting clients in developing a customized plan to work toward their goals and objectives. He helps individuals prepare for retirement by discussing and implementing wealth accumulation strategies and managing risk. Mike assists individuals during retirement with wealth distribution strategies and overall portfolio management. He also works with clients on estate planning, insurance needs, and education planning. He believes in a tactical, proactive investment management approach.
Mike lives in Lexington with his best friend and wife (Lindsey), daughter’s (Tatum and Sloane) and son (Henry). The Kretz family enjoys traveling, snow skiing, exercising and spending time with family and friends.
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Tim Jenkins, CFP®
Financial Advisor
Tim Jenkins, CFP®
Financial Advisor
Timothy S. Jenkins is a CERTIFIED FINANCIAL PLANNER™ and co-founder of Keystone Financial Group, a comprehensive wealth management firm located in Lexington, KY. Tim is a fee based advisor who has networked with a team of local CPA’s, attorneys, real estate agents, and life/health insurance specialists (not affiliated with LPL Financial) to assist his clients in achieving a holistic financial plan. He specializes in tactical and active asset management of Investment accounts, 401K’s, and IRA’s for individuals and business owners. Tim offers a no-obligation, complimentary first appointment to review current investment allocation, cost of investment management, and financial plans specifically life insurance and tax planning.
Tim completed his degree in accounting from the University of Kentucky. He currently holds his Series registration 7, 24, 31, 63 registrations through LPL Financial. He also holds his Series 66 through LPL Financial and Keystone Financial Group, LLC. Tim has his life and health insurance license in multiple states. Tim is a member of the Georgetown Chamber of Commerce, Bluegrass Estate Planning Council, Society of Financial Service Professionals, Simple Church, and is on the Board of Directors for the Makenna Foundation.
Tim lives in Lexington with his wife Lisa, daughter Annalise, son Jackson, daughter Clara Rose and their dog, Roxy, a labrador retriever. As a family they enjoy the outdoors, traveling and running competitively.
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Toby Jenkins, MS, CFP®
Financial Advisor
Toby Jenkins, MS, CFP®
Financial Advisor
Toby Jenkins is a CERTIFIED FINANCIAL PLANNER™ who has been working in the financial industry since 1997. He is a fee based advisor, experienced financial planner, and Principal of Keystone Financial Group. His client base consists of pre-retirees, retirees, business owners and professionals. Toby specializes in wealth accumulation, retirement planning, and estate planning.
Toby obtained his Bachelor of Science in Accounting from the University of Kentucky, as well as his Master of Science in Financial Planning from the College of Financial Planning. His career before KFG includes experience in both public and corporate accounting, as well as personal finance. Toby is a CERTIFIED FINANCIAL PLANNER™, as well as an Accredited Asset Management Specialist (AAMS). Toby holds his Series 7, 24, 31, 63 registrations with LPL Financial. His Series 66 registration is held with both LPL Financial and Keystone Financial Group, LLC. He also holds his Life and Health Insurance license in multiple states.
Toby lives in Lexington with his wife Stephanie, sons Zachary and Silas, and their dog Nala. He is a member of the Financial Planning Association, Bluegrass Estate Planning Council and Simple Church. Toby’s hobbies include snow skiing, fly-fishing, hiking, and boating.
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Al Kaplan
Financial Representative
Al Kaplan
Financial Representative
Al Kaplan is a highly experienced Financial Representative with over 33 years in financial services. Al is a graduate of Washington University (St. Louis) School of Business and brings a wealth of knowledge and business experience to his clients.
Upon graduation, Al served in the U.S. Marine Corps as a Pilot and Flight Instructor. After completion of his service, Al got into Radio Broadcasting and Owned and Operated KWED Radio and Seguin Outdoor Advertising in South, Texas.
Al and his family, moved to Lexington in 1990 to become closer to his younger brother Randy who was a Lexington Police Officer. Al began his career in financial services and opened the first Edward Jones Office in Stonewall Center. After leaving Edward Jones, Al opened and became the Branch Manager for A.G. Edwards& Sons. In 2000, AL left A.G. Edwards and became an Independent Representative. Al joined LPL Financial in 2019. Al holds his series 7 and 63 registrations through LPL Financial and also holds his Life and Health Insurance license for the state of Kentucky.
Al follows the K.I.S.S principal and provides a simple, understandable, personalized approach towards investing, to help individuals and families achieve their financial goals.
Al & Sherry live in Richmond at Boone’s Trace with their 3 dogs (Lexi, Cooper & CallaBella), 2 barn cats (Flash and Fat Cat) and 2 horses (Babe and Lil Bit). Al is currently on the HOA board at Boone’s Trace.
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Amy Spivey
Financial Advisor
Amy Spivey
Financial Advisor
Bio Coming Soon
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Allan Watts
Financial Advisor
Allan Watts
Financial Advisor
Allan Watts began his career as a financial advisor in 2004.He holds Securities registrations Series 7 and 63 with LPL Financial and Series 65 with Keystone Financial Group, LLC as well as his Life and Health Insurance licenses in several states. He currently has the Certified Plan Fiduciary Advisor (CPFA), Accredited Investment Fiduciary (AIF), and Qualified 401(K) Plan Advisor (QKA) designations.
Allan lives in Lexington with his wife Rachel, and together they have 4 children: Molly, Braden, Anna Belle and Brody. When not at the office, you can find him at the ball field or the Opera house.
KFG Extended Retirement Planning Services: www.bluegrassretirementplans.com
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Brian Davis
Financial Advisor
Brian Davis
Financial Advisor
Brian is a native of Sarasota, FL. He moved to Cynthiana, KY in 2008 and graduated from
Harrison County High School.
Brian attended the University of Kentucky (UK) where he graduated with honors in Summa Cum
Laude and obtained two degrees: Finance and Economics. Brian learned, throughout his studies,
how the financial and economic disciplines coincided with one another and the influence it has in
everyday living. Brian had the opportunity to intern at Keystone Financial group, while attending
UK. This endeavor granted him with critical knowledge in the advising field.
Prior to his move to Keystone Financial Group, Brian began his career in the financial industry at
Fifth Third Bank. He learned many skills, but most importantly how to interact and service
people from diverse financial backgrounds. Brian holds his Series 7 license through LPL
Financial and his Series 66 license through Keystone Financial Group.
In his spare time, Brian enjoys working out, watching football, and spending time with his two
dogs: Koba and Apollo.
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Danielle Gerbracht
Financial Advisor
Danielle Gerbracht
Financial Advisor
Danielle Gerbracht was born and raised in Pasadena, California, and attended college at California Polytechnic University at San Luis Obispo.
Danielle began her career in sales and marketing and then expanded her horizons, and utilized her skills to manage small and mid-sized winery tasting rooms and their events. She thrived and carried on to manage boutique luxury hotels in both Santa Barbara and Napa, California. Hosting guests, producing events, making sure the numbers worked, and organizing complex offices was Danielle’s forte. She gained great experience and a reputation for handling the many moving parts calmly under pressure.
While she loves creativity and event planning; low income and odd hours made it difficult to support herself and her childhood horse, Adagio. Danielle made the difficult decision to change careers and her combined skill set made her a great fit for the financial industry. She started at Morgan Stanley as a Wealth Advisor Associate focusing on financial planning. In 18 months Danielle worked with over 100 different advisors and their clients to produce over 450 individual financial plans for clients with up to $145,000,000. Her work has helped clients start new businesses, manage cash flow, children’s medical and educational expenses, and achieve financial independence. Danielle carried financial planning into her investment practice and now provides investment advice for her clients as well. After seven years with Morgan Stanley, Danielle followed her values and joined LPL and the Keystone Financial Group where she is able to serve clients of all sizes.
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Gary Anderson, AAMS®
Financial Advisor
Gary Anderson, AAMS®
Financial Advisor
Gary is originally from Montana and moved to Lexington to attend the University of Kentucky. He received a B.A. in Finance and was 2 year team captain for the University of Kentucky Rugby Team.
Gary began his career with A.G. Edwards where he spent 8 years before joining LPL and the Keystone Financial Group. During his career he has built a significant investment, estate and retirement planning business by using the most innovative and sophisticated planning methods available. He strives to help his clients achieve their goals while implementing strategies designed to help reduce taxes and reduce risk.
Gary has given hundreds of seminars, sharing his knowledge on what it takes to create investment strategies and maintain wealth. His business has flourished through a solid work ethic, conservative investment ideology, and a firm commitment to client service.
Gary lives in Lexington and is also the coach of the Division I University of Kentucky Rugby Team.
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Gena Collias
LPL Registered Financial Assistant
Gena Collias
LPL Registered Financial Assistant
Originally from West Virginia, Gena came to Lexington in 1990 after graduating from Marshall University with a BA in Criminal Justice. She served as a member of the Lexington Police Department from 1990 until 2001 where she rose in rank to become the Sergeant of the Domestic Violence and Crimes Against Children Unit. She started her career in the financial industry in 2004 as an Administrative Assistant in an LPL office. From there she went on to Fifth Third Bank and JP Morgan Chase where she worked as a Licensed Assistant to the Private Client Advisors until 2018. She holds her Series 7 registration through LPL Financial, Series 66 registration through both LPL and Keystone Financial Group, as well as Life, Health, and Variable Annuity insurance licenses.
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Grover Mollineaux, AAMS®
Financial Advisor
Grover Mollineaux, AAMS®
Financial Advisor
Grover received his undergraduate degree at Muskingum College and his MBA from Adelphi University in New York. In addition, he attended executive education programs at Wharton and Owen Business Schools. After a successful career in corporate marketing and strategic planning, Grover became a Financial Advisor. He holds his Series 7 and 63 registrations with LPL Financial. His Series 66 registration is held with both LPL Financial and Keystone Financial Group, LLC . Prior to joining Keystone Financial, Grover spent seven years with Edward Jones Investments managing an office in Lexington.
Grover brings a prudent, objective perspective to investment planning and wealth management. Drawing on his life experiences, he understands what it takes to save for retirement, put children through college and care for aging parents; but most importantly, he understands the importance of a reliable tax-advantaged retirement income.
Grover is an Accredit Asset Management Specialist from the College of Financial Planning, and holds Life and Health insurance licenses.
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Hunter Boyd
Financial Consultant
Hunter Boyd
Financial Consultant
Hunter is a native of Versailles, KY where he grew up working alongside his mom, dad, and twin sister in their 5th generation family business. Through this experience, he formed the “plan, adapt, and prosper” attitude of mind. Hunter’s focus is to help his clients plan a solid financial foundation, adapt to market changes and major life events and set realistic goals to prosper along the way.
Hunter is a graduate of Western Kentucky University with a degree in Entrepreneurship. He began his career in the financial services industry at MassMutual. Working within this type of financial platform heightened Hunter’s awareness that a broader spectrum of financial solutions may be best for his clients. Therefore, he chose to bring his financial services to Keystone Financial Group, a firm that takes a holistic approach.
Hunter holds his series 7 and 66 registrations through LPL Financial as well as his life and health insurance license in multiple states.
Hunter and Alana live on his family’s orchard with their goldendoodle, Frankie. In his free time, you can catch him on the water fishing, swimming and boating, or whipping up new recipes for his friends and family. You may also see him volunteering at various Alzheimer’s Association events around central Kentucky.
KFG Extended Retirement Planning Services: www.bluegrassretirementplans.com
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Jill Gookin
Client Relations Manager
Jill Gookin
Client Relations Manager
Jill Gookin has more than 30 years of experience in client relations. Her interpersonal skills and client focused approach in financial services, non-profits, and retail have uniquely positioned each organization for growth through client confidence.
At Keystone Financial Group, she enjoys working with the KFG team to help clients pursue their financial goals. As an experienced listener, Jill’s focus is to ensure every client receives personal attention that is specifically geared to their financial matters.
Jill is involved in the Lexington community and has been a board member, a staff person, or volunteer for many non-profits. Her professional skills and passion for non-profits has greatly impacted International Book Project, LexArts, Moveable Feast, Voices Amplified, Arts Connect, Lexington Ballet, and others.
In her personal time, she enjoys taking advantage of the many happenings around Lexington and spending time with her husband, dogs, and three children.
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Jayme Nelson
Financial Advisor
Jayme Nelson
Financial Advisor
Educating clients on financial planning for long and short-term goals is a passion for Jayme Nelson.
She enjoys working with individuals and businesses who are conscientious about their finances and interested in partnering with an experienced advisor. Jayme credits her curiosity, creativity, and strategic planning skills as important elements of understanding her clients and then devising unique and tailored strategies for them.
Jayme offers a complimentary initial appointment, where she reviews current financial situation, listens to desired outcomes, and begins to outline a plan. Based on her personal experiences, she believes she is uniquely qualified to work with entrepreneurs, business owners, and real estate investors, in addition to retirees and pre-retirees.
Jayme lives in the Lexington area with her husband, Joe Ray, and their two sons, Sawyer and Cooper, as well as the best golden doodle in the whole world, Lincoln, and a bearded dragon, Perry.
Professionally, Jayme holds her Series 7 with LPL Financial and Series 66 with Keystone Financial and offers retirement planning, estate planning, wealth management and business retirement plans for both small and large companies. She is also licensed to offer life insurance, annuities and long-term care solutions.
Jayme values her faith, family, and friends. In her free time, she enjoys the outdoors, yoga, pilates, golf, occasional tennis, watching her favorite sports teams and coffee!
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John Schaefer
Financial Advisor
John Schaefer
Financial Advisor
John is a financial advisor for Keystone Financial Group, a firm focused on wealth preservation, growth, and retirement planning. With over two decades in the investment planning industry, John has developed a vast knowledge base, strong integrity, and a loyal group of clients. He specializes in both individual wealth planning and small businesses to identify and manage their goals. For more information about John’s planning process – visit planning process.
Recognizing that each client has individual needs, John dedicates himself to understanding and appreciating each client’s situation before making recommendations. He believes in educating clients and works diligently to help them develop achievable goals, understand their financial choices and portfolios, and implement strategies to pursue these goals. As a fiduciary, in advisory relationships, the recommendations will put the best interest of the client first.
John received his bachelor’s degree in business administration with an emphasis on finance from the University of Kentucky. In his spare time John enjoys spending time with his wife and two daughters. Whether it is flyfishing in the inlets of Florida or golfing with friends, John enjoys being outdoors outside of his time in the office.
For more information about John, please visit: Schaefer Financial Services
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Nathan Bay
Financial Advisor
Nathan Bay
Financial Advisor
Nathan Bay is a highly experienced financial advisor with over 25 years in financial services. He graduated from the University of Kentucky and brings a wealth of knowledge to his clients. With a client-centric approach, Nathan provides personalized strategies to help individuals and families achieve their financial goals.
Known for his expertise in investment planning, wealth management, and retirement strategies, Nathan is dedicated to delivering tailored solutions that align with his clients’ unique needs. He believes in the power of education and takes the time to explain complex financial concepts in a clear and understandable manner.
Beyond his professional achievements, Nathan enjoys playing tennis and actively participates in community initiatives promoting financial literacy. He maintains strong relationships with industry professionals and stays up-to-date with the latest financial strategies.
Whether you’re seeking guidance on retirement planning, investment strategies, or comprehensive wealth management, Nathan Bay is committed to providing you with personalized solutions to secure your financial future.
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Mike Kretz
Financial Advisor
Mike Kretz
Financial Advisor
Mike Kretz is a co-founder of Keystone Financial Group (KFG), a comprehensive wealth management firm located in Lexington, KY. He obtained his degree in Economics from Centre College and began his career working as a financial advisor for Edward Jones in 2001. He left Edward Jones in June of 2008 to start KFG with his two business partners. He holds his Securities Series 7, 63, and 66 registrations through LPL Financial. Mike also holds his Life and Health Insurance license for the state of Kentucky.
Mike enjoys assisting clients in developing a customized plan to work toward their goals and objectives. He helps individuals prepare for retirement by discussing and implementing wealth accumulation strategies and managing risk. Mike assists individuals during retirement with wealth distribution strategies and overall portfolio management. He also works with clients on estate planning, insurance needs, and education planning. He believes in a tactical, proactive investment management approach.
Mike lives in Lexington with his best friend and wife (Lindsey), daughter’s (Tatum and Sloane) and son (Henry). The Kretz family enjoys traveling, snow skiing, exercising and spending time with family and friends.
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Richard Slade
Financial Advisor
Richard Slade
Financial Advisor
Richard Slade is a native Cynthiana, Ky. He graduated from Eastern Kentucky University in 1996 with majors in chemistry and biology and a certificate to teach secondary education. RB always had an interest in the financial industry and changed his career direction. He joined Hilliard Lyons in 1997 focusing on developing a client base while achieving honor club status as a senior vice president. He joined LPL Financial in December of 2011 which resulted in his move to Keystone Financial Group.
Richard still resides in Cynthiana with his wife, Kim and their two children, Payton and Cooper. He is active in youth sports and coaches both soccer and T-ball. Richard enjoys hunting, farming, and vintage automobiles.
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Sarah Hoffman
Branch Operations Manager
Sarah Hoffman
Branch Operations Manager
Sarah Hoffman is the Branch Operations Manager for Keystone Financial Group (KFG). A native of Danville, KY, Sarah began her career in the financial industry in 2003 as branch office administrator with Edward Jones Investments. During her five years with Edward Jones, Sarah played a vital role in developing the #1 office in Central Kentucky for client satisfaction and service. She is responsible for administering the firm’s day-to-day activities.
Sarah graduated from Morehead State University with a Bachelor of Arts in English. She resides in Lexington and enjoys traveling and spending time with friends and family.
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Seward Totty
Financial Advisor
Seward Totty
Financial Advisor
Seward comes to Keystone Financial Group with twenty years’ experience as a broker with J.J.B.Hilliard, W.L. Lyons, LLC and LPL Financial. Through good markets and bad, he tailors his advice to each client’s specific needs and risk tolerance. He understands that now more than ever his clients need a steady hand to assist them in achieving their financial goals. His three decades as a financial advisor have given him the perspective that clients need and that only experience can provide. Seward specializes in college and retirement planning, equity and fixed-income selection, asset allocation, and securities analysis. He holds both the Series 7 and 66 Securities through LPL Financial and is also a registered Life and Health Agent in Kentucky and Virginia.
Seward is from the Tidewater area of Virginia and is a graduate of the University of Virginia in Charlottesville. Prior to joining Hilliard Lyons, Seward worked for the National Geographic Society in Washington, D.C. He is a voracious reader of military history and has authored several articles for Civil War periodicals. He is an avid golfer and he and his wife Shannon have three children.
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Spencer Templin
Financial Advisor
Spencer Templin
Financial Advisor
Spencer is a native of Lexington, Kentucky and graduated from Dunbar High School. Following High School, he attended Asbury University obtaining a biology degree with chemistry minor and received the biology department award along with Magna Cum Laude honors upon graduation. After graduating from Asbury University, he attended UK Medical School and received a medical degree upon graduation.
In 2005, Spencer chose to marry his desire to care for people’s needs with his passion for investments and money management. He soon joined Hilliard Lyons and was part of their team for 12 years. In June of 2017, Spencer joined Keystone Financial Group as to offer clients a broader individualized portfolio that may further serve their investment needs. He holds his Securities Series 7 through LPL Financial and 66 registration through Keystone Financial Group as well as his Life and Health insurance licenses.
Spencer’s past board memberships include CASA of the Bluegrass, Kidney Alliance of Central KY (treasurer), Lighthouse Ministries, as well as the Shriners Building Committee. His current board memberships are the Shriners Corporate Council and 12 years of teaching Junior Achievement. Additionally, Spencer is a volunteer coach for two baseball teams with South Lexington Youth Baseball. In his spare time, he love birds and fishing. Spencer and his wife, Samantha, have four children.
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Steve Seals
Financial Advisor
Steve Seals
Financial Advisor
Website: sealsfinancialplanning.com
Steve Seals is a Kentucky native and former US Marine whose career in the financial planning industry began in 2004. He holds a bachelor’s degree in accounting and has previously worked with and learned from the firms of Edward Jones, US Bank, University of Kentucky Federal Credit Union and CUSO Financial.
When at the University of Kentucky Federal Credit Union, Steve developed a program focused on individualizing 403b retirement portfolios for faculty and staff. During this time, he received several awards including Silver and Gold Pacesetter Awards, President’s Club Award, and the President’s Superior Client Service Award.
With over 17 years’ experience as an investment advisor, Steve’s business is founded on getting to know each client personally, allowing him to help provide sound financial advice throughout their career and into retirement. He holds Security Series 63 and 65/66 through Keystone Financial Group, LLC, and various Life, Health, and Variable Insurance licenses.
Steve is married to Angie and they have three daughters (Lauren, Peyton, and Ashton) and one grandson (Kenyon) with another on the way. Steve holds a private pilot’s license, and the family enjoys sports, spending time at the lake and traveling.
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Tim Jenkins, CFP®
Financial Advisor
Tim Jenkins, CFP®
Financial Advisor
Timothy S. Jenkins is a CERTIFIED FINANCIAL PLANNER™ and co-founder of Keystone Financial Group, a comprehensive wealth management firm located in Lexington, KY. Tim is a fee based advisor who has networked with a team of local CPA’s, attorneys, real estate agents, and life/health insurance specialists (not affiliated with LPL Financial) to assist his clients in achieving a holistic financial plan. He specializes in tactical and active asset management of Investment accounts, 401K’s, and IRA’s for individuals and business owners. Tim offers a no-obligation, complimentary first appointment to review current investment allocation, cost of investment management, and financial plans specifically life insurance and tax planning.
Tim completed his degree in accounting from the University of Kentucky. He currently holds his Series registration 7, 24, 31, 63 registrations through LPL Financial. He also holds his Series 66 through LPL Financial and Keystone Financial Group, LLC. Tim has his life and health insurance license in multiple states. Tim is a member of the Georgetown Chamber of Commerce, Bluegrass Estate Planning Council, Society of Financial Service Professionals, Simple Church, and is on the Board of Directors for the Makenna Foundation.
Tim lives in Lexington with his wife Lisa, daughter Annalise, son Jackson, daughter Clara Rose and their dog, Roxy, a labrador retriever. As a family they enjoy the outdoors, traveling and running competitively.
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Toby Jenkins, MS, CFP®
Financial Advisor
Toby Jenkins, MS, CFP®
Financial Advisor
Toby Jenkins is a CERTIFIED FINANCIAL PLANNER™ who has been working in the financial industry since 1997. He is a fee based advisor, experienced financial planner, and Principal of Keystone Financial Group. His client base consists of pre-retirees, retirees, business owners and professionals. Toby specializes in wealth accumulation, retirement planning, and estate planning.
Toby obtained his Bachelor of Science in Accounting from the University of Kentucky, as well as his Master of Science in Financial Planning from the College of Financial Planning. His career before KFG includes experience in both public and corporate accounting, as well as personal finance. Toby is a CERTIFIED FINANCIAL PLANNER™, as well as an Accredited Asset Management Specialist (AAMS). Toby holds his Series 7, 24, 31, 63 registrations with LPL Financial. His Series 66 registration is held with both LPL Financial and Keystone Financial Group, LLC. He also holds his Life and Health Insurance license in multiple states.
Toby lives in Lexington with his wife Stephanie, sons Zachary and Silas, and their dog Nala. He is a member of the Financial Planning Association, Bluegrass Estate Planning Council and Simple Church. Toby’s hobbies include snow skiing, fly-fishing, hiking, and boating.
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Sean Melican
Financial Advisor
Sean Melican
Financial Advisor
Sean Melican is from Louisville, Kentucky. He graduated from the University of Louisville in 2018, while beginning his career at Ameriprise Financial in 2017. Sean enjoys working with clients holistically to develop a financial plan built for the individuals’ financial goals. He has a passion for investment management, that is included in the planning process, to help mitigate risk along the way.
Sean holds his Series 7, Series 66, Kentucky Life and Health Insurance License, and Accredited Portfolio Management Advisor™ Designation.
Sean lives in Louisville with his wife, Alexys and their two dogs: Knox and Nala. As a family they enjoy morning walks, being outdoors, traveling and recreational sports including tennis and golf.
Sean’s Servicing Website: https://www.seanmelicankfg.com/
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Jonathan D. Upton, CFP, BFA
Wealth Advisor
Jonathan D. Upton, CFP, BFA
Wealth Advisor
Jonathan has lived in Louisville, KY his whole life. He graduated from Transylvania University, earning a Bachelor’s degree in Business Administration with a focus on Finance. In 2003, Jonathan began his career as a Bank Investment Consultant. He then joined LPL Financial in 2007 and now has 20 years of experience in the financial service industry.
Jonathan’s passion is assisting families and business owners define and pursue their ideal lifestyle. Jonathan believes money should have meaning and helps clients align their resources, time, and energy with what they value most. To best serve his clients, he has earned his Certified Financial Planner® and Behavioral Financial Advisor® designations as well as his masters in liberal arts in the field of management from the Harvard University Extension School. He is a fiduciary in advisory relationships and holds his securities series 7, 63, and 24 registrations through LPL Financial.
In his personal time, Jonathan enjoys traveling the globe – embracing its rich culture and histories. He values an active lifestyle: competed in three Olympic distance triathlons and attempted summits of Mt. Rainier. Most importantly, Jonathan loves spending time with his three nephews, exploring vibrant arts and food scenes, and cheering on his favorite athletic teams.
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Bruce Lindsay, CFP, MBA
Wealth Advisor
Bruce Lindsay, CFP, MBA
Wealth Advisor
Born in Greenville, South Carolina, Bruce has lived in Louisville since 1958. After obtaining a degree in Economics and Political Science from Centre College he worked briefly in banking in Louisville. He then received a Master’s degree from the University of Louisville in 1983. Bruce became a Certified Financial Planner in 1987 and has enjoyed using his 40+ years of experience to help individuals, families, and small businesses identify, coordinate, and simplify their pursuit of an improved financial future. When he has free time, he enjoys lots of family time, golf, jogging, regular exercise, and hiking. Bruce has 3 children and 6 grandchildren.
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Gregory W. Smith, CFP
Wealth Advisor
Gregory W. Smith, CFP
Wealth Advisor
Greg has been a CERTIFIED FINANCIAL PLANNER™ since 1986. He began his career in the tax preparation business in 1976. Greg is passionate about working with widowed clients to help them fully understand their available financial resources and getting them in control of their financial futures. A Louisville native, and widower himself, Greg understands the challenges widows face. As a seasoned financial professional, he also works with many clients and business owners in retirement planning, employee benefits, 401(k) plans, IRA rollover services, and estate planning strategies, including life insurance. In his personal time, he enjoys travel, outdoor activities, spending time on his farm, and playing music with friends.
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Joel Godby
Financial Advisor
Joel Godby
Financial Advisor
Joel has been working with clients to help achieve their retirement and financial goals since 1999. He has a passion for helping work towards the goal of building sustainable income in retirement. As an independent Financial Advisor, Joel has access to a wide range of financial services and solutions through unbiased research to help ensure each client’s wealth is strategically managed and preserved. Prior to joining Keystone, Joel spent six years at Edward Jones and eleven years with LPL through Traditional Bank.
Joel lives in Mt Sterling with his wife Leslie and their two daughters, Kayla and Janna. He is a member of the Mt Sterling Kiwanis club and is an Elder at First Christian Church in Mt Sterling. Joel is a graduate of Georgetown College with a degree in Marketing & Finance. He enjoys golf, snow skiing and traveling with family.
For more info visit: www.keystonemtsterling.com
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John E. Morton
Financial Advisor
John E. Morton
Financial Advisor
John is a financial advisor who works diligently with his clients and friends to take the anxiety out of finances. He has a comprehensive approach to personal finances and offers holistic personalized financial guidance to help clients on their journey regardless of the size of their bank account. John’s goal every day is to do what is right, show people he cares and strive to be the best advisor possible.
John is a native of Mt. Sterling, Kentucky and a graduate of Wofford College. He holds Securities Series 7, and 63 registrations through LPL Financial and 65 registration through Keystone Financial Group as well as his Life and Health insurance licenses.
John lives in Mt. Sterling with his wife Rebecca and two children, Anna Grace and Brick. They attend First Christian Church and are very active in the community. John serves on the Big Brothers Big Sisters Board of Directors, the local United Way Board of Directors and is a regular volunteer for Habitat for Humanity. The Morton family enjoys all things outdoors including swimming, hiking and spending time with family.
For more info visit: www.keystonemtsterling.com
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Adam Richardson, AAMS ©
Financial Advisor
Adam Richardson, AAMS ©
Financial Advisor
Adam is an Accredited Asset Management Specialist and began his career in the financial services industry in 2004 after obtaining his degree in Finance from Western Kentucky University. His clients consist of retirees, business owners, teachers and professionals. Adam enjoys helping his clients implement strategies to build wealth through a customized plan tailored to meet their specific goals and objectives.
Adam grew up in Somerset, where he lives with his four children (Aubrey, Parker, Ella and Scarlett). He enjoys spending time outdoors, teaching the youth at his church, swimming, and in the summers you can find him with his family enjoying beautiful Lake Cumberland.
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Gene Richardson
Financial Advisor
Gene Richardson
Financial Advisor
Gene began his career in the investment business in Florida in 1983. He relocated to Somerset, Kentucky in 1987 to be near family. With over 30 years of experience, Gene is extensively trained in financial, retirement, and estate planning. Whether your needs are for increased income, tax savings, building wealth for education and retirement, or efficiently transferring wealth to your heirs, he can guide you to work towards achieving your personal goals. He takes pride in the fact that the vast majority of his clients have entrusted their assets to him for many years and have become his good friends.
Gene has two grown and married children, Adam and Sarah, and is blessed with five grandchildren. He enjoys church activity, travel, boating, scuba diving, and playing the guitar.
Education: University of Cincinnati, 1980, Summa Cum Laude, Bachelor of Science in Business
Licensing: FINRA Series 7 General Securities with LPL Financial, FINRA Series 8 General Securities Sales Supervisor with LPL Financial, FINRA 65 Registered Agent & Investment Advisor Representative with Keystone Financial Group, KY Licensed Insurance Agent for Life, Health and Variable Annuities.
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Khristie Bastin
Client Services Associate
Khristie Bastin
Client Services Associate
Khristie began her career in the financial services industry in 1998. She is well known for her attention to detail and excellent customer service. Khristie is a native of Pulaski County and currently lives in Somerset with her husband Eddie and their three children; Justin, Jared and Josie. She enjoys attending her children’s many athletic events and is very active in her church as a teacher and member of the music ministry.
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Scott Morrison
Financial Advisor
Scott Morrison
Financial Advisor
Scott began his career as a financial advisor after serving in the United States Air Force. He has degrees in business management and communications from Methodist University.
Scott spends a lot of time getting to know each client on a personal level before making recommendations tailored to meet their specific needs and goals. He uses a conservatice approach to investing through actively managed asset allocation. Scott specializes in retirement planning, current and future income needs, growth of assets for the future as well as estate planning. He utilizes the lastest in technology and research as well as his 25 years experience to help his clients build a plan they can easily understand and work towards together and then follows it up with superior service going forward.
Scott lives in Somerset, KY. His weekend and leisure time include church, golfing, water skiing and traveling. He also enjoys spending time with his son Nick, and two grandchildren Alex and Olivia.
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Susan Garrett
Financial Assistant
Susan Garrett
Financial Assistant
Susan is the financial assistant for Scott Morrison. She is originally from Melbourne, Florida. She attended Eastern Kentucky University and graduated with a Bachelor of Business Administration with a concentration in Accounting.
Her most recent careers include; Assistant CFO for a $40 million Home Health Agency (15 years) and CFO for a $25 million Not-for-Profit Organization (10 years). She is also a graduate of the Dale Carnegie Course and is certified in Federal Grants Management Compliance.
Susan lives in Somerset, Kentucky with her husband, Rudy, and has 2 daughters and 3 grandchildren. Her favorite activities include reading, traveling and spending time with her family.
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Jason Berry
Financial Consultant
Jason Berry
Financial Consultant
Address:
375 Cecil Croft Road
Salem, KY 42078
With a degree in engineering physics from Murray State university, Jason never would have thought that he would end up in the finance world 15 years later. However, working with family, friends, and the public to help pursue their financial goals became not only a fulfilling career but also a way that he can serve his community.
Jason became a financial consultant with Edward Jones in 2014 where he honed the financial skills needed for his clients. His goal is to work diligently with the public to find confidence in their finances whether it be investments, planning for retirement, estate planning, or educational savings. It is important to know that it does not matter what stage of life you are in or how much money you have or do not have, Jason will strive to help you in whatever financial capacity is needed. He holds both the Series 7 and 66 Securities through LPL Financial and is also a registered Life and Health insurance agent in Kentucky.
Haling from rural western Kentucky, Jason has been married to his wife, Randa, for 20 years. They have a daughter, Lily, and a son, Briley. The Berrys enjoy traveling, cooking, and spending time with family and friends.
Securities offered through LPL Financial, Member FINRA/SIPC. Jason Berry offers investment advice through LPL Financial, a registered investment advisor. Financial Consultants at Keystone Financial Partners are separate from Keystone Financial Group.