We are financial advisors 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.


Founder, President, & Financial Advisor

Pat Couture, Financial Advisor in Eau Claire

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.



Financial Advisor & Retirement Professional

Kia Xiong-Yang, Financial Advisor and Medicare Agent in Eau Claire

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 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.