We manage investments across various account types—including retirement accounts, trusts, charitable accounts, and individual or joint portfolios—using a personalized approach to asset allocation, rebalancing, and risk considerations. Our strategies are developed to support your financial objectives while adapting to evolving market conditions.

Values-based investing may incorporate criteria beyond traditional financial information into the investment selection process. This could result in investment performance deviating from other investment strategies or broad market benchmarks.

Structured Investments are not suitable for all investors. Each structured product may encompass its own unique set of characteristics, risks and return potential. Additionally, not every structured product will be suitable for every account approved to trade structured investments. Investors should be familiar with the unique characteristics, risks and return potential of each structured product, as well as those of the referenced asset before deciding whether to invest in the product. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Investing involves risk and you may incur a profit or loss regardless of strategy selected including diversification and asset allocation. Past performance is not a guarantee or a predictor of future results of either the indices or any particular investment. Before investing in any structured investment, an investor should review all applicable offering documents for a comprehensive discussion of the risks associated with the investment.

Treasury bills are guaranteed by the U.S. government and, if held to maturity, offer a fixed rate of return and guaranteed principal value. Treasury bills are certificates reflecting short-term (less than one year) obligations of the U.S. government.

A money market fund is a mutual fund investing in high quality, short-term debt instruments, cash, and cash equivalents. While not principal protected, they are considered extremely low risk on the investment spectrum. The money market fund generates income, but little capital appreciation. An investment in a money market fund is neither insured nor guaranteed by the FDIC or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.

Be sure to contact a qualified professional regarding your particular situation before making any investment or withdrawal decision. Rebalancing a non-retirement account could be a taxable event that may increase your tax liability.

Keating Financial Advisory Services, Inc. and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.