# EDGAR Filing Document

**Accession Number:** 0001596906
**File Stem:** 0001596906-25-000007
**Filing Date:** 2025-7
**Character Count:** 8028
**Document Hash:** 581facdc6a55a04d885a68a0e7d8a971
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001596906-25-000007.hdr.sgml**: 20250731

**ACCESSION NUMBER**: 0001596906-25-000007

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250731

**DATE AS OF CHANGE**: 20250731

**EFFECTIVENESS DATE**: 20250731

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Keystone Financial Planning, Inc.
- **CENTRAL INDEX KEY:** 0001596906

**ORGANIZATION NAME:**
- **EIN:** 341521921
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-15727
- **FILM NUMBER:** 251170197

**BUSINESS ADDRESS:**
- **STREET 1:** 1991 CROCKER RD #204
- **CITY:** CLEVELAND
- **STATE:** OH
- **ZIP:** 44145
- **BUSINESS PHONE:** 440-234-6323

**MAIL ADDRESS:**
- **STREET 1:** 1991 CROCKER RD #204
- **CITY:** CLEVELAND
- **STATE:** OH
- **ZIP:** 44145

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Keystone Financial Planning Inc.<br>**Address:** 1991 CROCKER RD #204<br>CLEVELAND, OH 44145

**Form 13F File Number:** 028-15727

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Brigitte Palumbo<br>**Title:** President/COO<br>**Phone:** 440.234.6323

**Signature, Place, and Date of Signing:**

/s/ Brigitte Palumbo  Cleveland, OH  07-31-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 45

**Form 13F Information Table Value Total:** $330787974

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 324221 | 1085 | SH |  | SOLE |  | 0 | 0 | 1085 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 6431342 | 109694 | SH |  | SOLE |  | 0 | 0 | 109694 |
| AT INC | COM | 00206R102 |  | 2163779 | 74768 | SH |  | SOLE |  | 0 | 0 | 74768 |
| BANK AMERICA CORP | COM | 060505104 |  | 278273 | 5881 | SH |  | SOLE |  | 0 | 0 | 5881 |
| BANK NOVA SCOTIA HALIFAX | COM | 064149107 |  | 7734815 | 139946 | SH |  | SOLE |  | 0 | 0 | 139946 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 7510552 | 162250 | SH |  | SOLE |  | 0 | 0 | 162250 |
| BRITISH AMERN TOB PLC | SPONSORED ADR | 110448107 |  | 8122685 | 171618 | SH |  | SOLE |  | 0 | 0 | 171618 |
| CHEVRON CORP NEW | COM | 166764100 |  | 3547990 | 24778 | SH |  | SOLE |  | 0 | 0 | 24778 |
| CISCO SYS INC | COM | 17275R102 |  | 3472573 | 50052 | SH |  | SOLE |  | 0 | 0 | 50052 |
| COCA COLA CO | COM | 191216100 |  | 2560900 | 36196 | SH |  | SOLE |  | 0 | 0 | 36196 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 806738 | 8875 | SH |  | SOLE |  | 0 | 0 | 8875 |
| CVS HEALTH CORP | COM | 126650100 |  | 311859 | 4521 | SH |  | SOLE |  | 0 | 0 | 4521 |
| EMERSON ELEC CO | COM | 291011104 |  | 610918 | 4582 | SH |  | SOLE |  | 0 | 0 | 4582 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 5282328 | 49001 | SH |  | SOLE |  | 0 | 0 | 49001 |
| FRANKLIN RESOURCES INC | COM | 354613101 |  | 2521195 | 105710 | SH |  | SOLE |  | 0 | 0 | 105710 |
| GENUINE PARTS CO | COM | 372460105 |  | 2553697 | 21051 | SH |  | SOLE |  | 0 | 0 | 21051 |
| GSK PLC | SPONSORED ADR | 37733W204 |  | 8798016 | 229115 | SH |  | SOLE |  | 0 | 0 | 229115 |
| HALEON PLC | SPON ADS | 405552100 |  | 2319254 | 223650 | SH |  | SOLE |  | 0 | 0 | 223650 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 2528033 | 8576 | SH |  | SOLE |  | 0 | 0 | 8576 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 3531914 | 30144 | SH |  | SOLE |  | 0 | 0 | 30144 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1471887 | 9636 | SH |  | SOLE |  | 0 | 0 | 9636 |
| KELLANOVA | COM | 487836108 |  | 696365 | 8756 | SH |  | SOLE |  | 0 | 0 | 8756 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 896639 | 1936 | SH |  | SOLE |  | 0 | 0 | 1936 |
| MCDONALDS CORP | COM | 580135101 |  | 2501121 | 8560 | SH |  | SOLE |  | 0 | 0 | 8560 |
| MICROSOFT CORP | COM | 594918104 |  | 13371624 | 26882 | SH |  | SOLE |  | 0 | 0 | 26882 |
| PFIZER INC | COM | 717081103 |  | 6177696 | 254855 | SH |  | SOLE |  | 0 | 0 | 254855 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 4650963 | 25536 | SH |  | SOLE |  | 0 | 0 | 25536 |
| PINNACLE WEST CAP CORP | COM | 723484101 |  | 1194872 | 13355 | SH |  | SOLE |  | 0 | 0 | 13355 |
| PRICE T ROWE GROUP INC | COM | 74144T108 |  | 6835230 | 70831 | SH |  | SOLE |  | 0 | 0 | 70831 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1437226 | 9021 | SH |  | SOLE |  | 0 | 0 | 9021 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 465768 | 5533 | SH |  | SOLE |  | 0 | 0 | 5533 |
| QUALCOMM INC | COM | 747525103 |  | 4198571 | 26363 | SH |  | SOLE |  | 0 | 0 | 26363 |
| SANOFI | SPONSORED ADR | 80105N105 |  | 1055308 | 21844 | SH |  | SOLE |  | 0 | 0 | 21844 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 168079367 | 6342618 | SH |  | SOLE |  | 0 | 0 | 6342618 |
| SOLVENTUM CORP | COM SHS | 83444M101 |  | 1278662 | 16860 | SH |  | SOLE |  | 0 | 0 | 16860 |
| SPDR SERIES TRUST | PRTFLO S HI | 78468R788 |  | 8357947 | 196936 | SH |  | SOLE |  | 0 | 0 | 196936 |
| TJX COS INC NEW | COM | 872540109 |  | 519128 | 4204 | SH |  | SOLE |  | 0 | 0 | 4204 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 8725787 | 118799 | SH |  | SOLE |  | 0 | 0 | 118799 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 4769778 | 47254 | SH |  | SOLE |  | 0 | 0 | 47254 |
| US BANCORP DEL | COM NEW | 902973304 |  | 10354806 | 228836 | SH |  | SOLE |  | 0 | 0 | 228836 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 291204 | 2184 | SH |  | SOLE |  | 0 | 0 | 2184 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 440135 | 4942 | SH |  | SOLE |  | 0 | 0 | 4942 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 10636497 | 245817 | SH |  | SOLE |  | 0 | 0 | 245817 |
| VIATRIS INC | COM | 92556V106 |  | 231725 | 25949 | SH |  | SOLE |  | 0 | 0 | 25949 |
| WARNER BROS DISCOVERY INC | COM SER A | 934423104 |  | 738586 | 64449 | SH |  | SOLE |  | 0 | 0 | 64449 |

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