We are financial advisors and professionals who take pride in NOT doing things the Wall Street way, (after all— it’s your money). Our goal is to give you valuable information that you can use to make smarter financial decisions.


PAT COUTURE

Founder, President, & Financial Advisor


In addition to utilizing the the traditional retirement planning strategies that consist of insurance products and securities, Pat believes in a more holistic planning approach that focuses on the person rather than the products. KeyStone Financial refers to this as a Retirement Roadmap, and Pat (an Investment Adviser Representative who is held to the fiduciary standard), firmly believes that it is through this crucial, anxiety-free strategic planning so that clients will be prepared to pursue a long, successful retirement. He also considers the responsibility of serving his clients as a major trust factor that he does not take lightly.

Outside of the office, Pat can be found spending time with his wife (Mayra), camping, working on his church’s board, entertaining friends and family, and doing projects around the yard. In addition, Pat and his wife are active in their non-profit, Open Heavens Guatemala.

BrokerCheck

KIA XIONG-YANG

Financial Advisor & Retirement Professional


Following a 13 year elementary education career, Kia made a professional change and found fulfillment on a new level by helping KeyStone clients explore their Medicare and financial options. Also as an Investment Adviser Representative, Kia shares Pat’s belief in holistic retirement planning, which includes Medicare, and building meaningful relationships that are rooted in trust and performance. Within that, Kia is passionate about making sure her clients know that their Medicare decisions are based on both their financial and personal situations— and not just about the products themselves. Kia believes her true calling in life is to provide genuine and intentional care for her clients.

Kia and her husband, Mang, have been happily married since 2003 and have four daughters. When Kia isn’t at work, she enjoys time with her family, church, and reading. 

BrokerCheck

FRED LEWIS

CLU, ChFC, LUTCF


Fred Lewis, CLU, ChFC, LUTCF, is an outstanding professional in the Financial Services Industry with over 30 years experience in Insurance and Securities. Over the years Fred has helped hundreds of clients achieve their financial goals. As a sought after speaker, he has spoken at numerous financial services industry events, local service organizations and seminars. Additionally, he has been featured on television and numerous radio programs as an expert financial advisor. He is a current member in good standing of the Society of Financial Services Professionals and also currently serves on the board of the local branch of NAIFA. 

He is active in his church, family, community, and profession having served as a member and officer on many organizations, boards, committees. Fred is a U.S. Army Vietnam veteran and has been with his wife for over forty years, Jan, and has three children and two grandchildren.


BLIA YANG

Retirement Professional


As a former teacher, Blia continues her career helping people learn, but this time working with retirees and pre-retirees to help them learn about the rules and regulations pertaining to Medicare and what their rights and options are. She enjoys working with her clients every step of the way to help that process go as smoothly and peacefully as possible. Blia achieves this by offering her Medicare clients holistic retirement planning services, which looks at all areas of our Retirement Roadmap. Above all, Blia genuinely enjoys meeting with clients and building meaningful, trusting relationships that last a lifetime. 

Blia and her husband, James, have three daughters and are actively involved in their church. In her spare time, Blia enjoys cooking, baking, gardening, and spending time with her family.