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VOL. XII · NO. 117Established MMXIV · George Town, Grand CaymanAtlantic Edition · $4.50

The Cayman Journal

Finance · Business · Technology · Caribbean & Global Affairs
13F HOLDINGS REPORT

Keystone Financial Services

Quarter ended Q4 2025 · Filed February 12, 2026 · Accession 0001986152-26-000029

Total Value
$331.3M
Positions
261
Other Managers
0
Confidential Omitted
No
View on SEC.gov

Holdings (261)

#IssuerTicker / CUSIPSharesValue% of Filing
1ISHARES TR46428720024,567$16.8M5.08%
2ISHARES TR46434V613335,111$15.6M4.71%
3BLACKROCK ETF TRUSTBLK256,282$15.6M4.70%
4ISHARES TR464287309113,967$14.0M4.24%
5ISHARES TR46428740862,271$13.2M3.99%
6ISHARES TR464288877178,856$12.8M3.86%
7ISHARES TR46432F33962,946$12.5M3.77%
8ISHARES INC46434G103159,371$10.7M3.23%
9ISHARES TR46428720015,501$10.6M3.20%
10ISHARES TR46428710130,915$10.6M3.20%
11BLACKROCK ETF TRUSTBLK160,454$9.8M2.95%
12ISHARES TR46428730971,140$8.8M2.65%
13ISHARES TR46432F33943,273$8.6M2.59%
14ISHARES TR464288877116,063$8.3M2.50%
15ISHARES TR46428740838,663$8.2M2.48%
16ISHARES TR46434V613163,135$7.6M2.29%
17ISHARES INC46434G10398,989$6.7M2.01%
18ISHARES TR46428710118,899$6.5M1.96%
19BLACKROCK ETF TRUSTBLK154,809$6.0M1.80%
20ISHARES TR46428865356,926$5.8M1.75%
21BLACKROCK ETF TRUSTBLK158,119$5.3M1.59%
22ISHARES TR46432F39617,681$4.4M1.34%
23ISHARES TR46428858845,277$4.3M1.30%
24BLACKROCK ETF TRUSTBLK100,575$3.9M1.17%
25ISHARES GOLD TRIAU41,616$3.4M1.02%
26ISHARES TR46435G67265,105$3.3M0.98%
27BLACKROCK ETF TRUSTBLK96,372$3.2M0.97%
28ISHARES TR46428865329,398$3.0M0.90%
29ISHARES TR46432F39610,852$2.7M0.82%
30BLACKROCK ETF TRUST IIBLK50,532$2.7M0.80%
31BERKSHIRE HATHAWAY INC DELBRK-A4,992$2.5M0.76%
32ALPHABET INCGOOG7,416$2.3M0.70%
33JPMORGAN CHASE & CO.VYLD7,070$2.3M0.69%
34ISHARES TR4642887609,912$2.1M0.64%
35ISHARES GOLD TRIAU23,591$1.9M0.58%
36ISHARES TR46428858819,251$1.8M0.55%
37PHILIP MORRIS INTL INC71817210911,115$1.8M0.54%
38ISHARES TR46428888514,924$1.7M0.51%
39ISHARES TR46435G67233,864$1.7M0.51%
40META PLATFORMS INCMETA2,467$1.6M0.49%
41BROADCOM INCAVGO4,594$1.6M0.48%
42MICROSOFT CORPMSFT3,203$1.5M0.47%
43SCHWAB CHARLES CORPSCHW-PJ15,380$1.5M0.46%
44BOOKING HOLDINGS INCBKNG265$1.4M0.43%
45ISHARES TR46428888512,064$1.4M0.41%
46ISHARES TR4642887606,277$1.3M0.41%
47WELLS FARGO CO NEW94974610114,410$1.3M0.41%
48APPLE INCAAPL4,895$1.3M0.40%
49ISHARES TR46428841412,344$1.3M0.40%
50APPLIED MATLS INC0382221054,556$1.2M0.35%
51BLACKROCK ETF TRUSTBLK14,376$1.1M0.32%
52ALPHABET INCGOOG3,373$1.1M0.32%
53ISHARES TR46428828110,958$1.1M0.32%
54MCKESSON CORPMCK1,286$1.1M0.32%
55ANALOG DEVICES INCADI3,754$1.0M0.31%
56NOVARTIS AGNVSEF7,334$1.0M0.31%
57BLACKROCK ETF TRUST IIBLK19,000$1.0M0.30%
58AMAZON COM INCAMZN4,291$990,4790.30%
59BANK NEW YORK MELLON CORP0640581008,331$967,0900.29%
60GENERAL DYNAMICS CORPGD2,851$959,6540.29%
61VISA INCV2,686$942,0470.28%
62ISHARES TR46435G4256,245$930,3800.28%
63ISHARES TR4642877214,559$910,2780.27%
64UNILEVER PLCUNLYF13,488$882,1150.27%
65ALPHABET INCGOOG2,781$870,4190.26%
66CONOCOPHILLIPSCOP9,150$856,5560.26%
67DIMENSIONAL ETF TRUST25434V70820,070$794,5840.24%
68MEDTRONIC PLCMDT8,136$781,5400.24%
69BECTON DICKINSON & COBDX3,970$770,5180.23%
70COMCAST CORP NEWCCZ25,424$759,9240.23%
71ORACLE CORPORCL-PD3,799$740,4450.22%
72EXXON MOBIL CORPXOM6,106$734,7790.22%
73ISHARES TR4642877213,624$723,6440.22%
74SPDR S&P 500 ETF TRSPY1,026$699,5260.21%
75ISHARES TR4642885705,253$676,7440.20%
76INVESCO QQQ TRIVZ1,077$661,3770.20%
77BANK AMERICA CORP06050510411,562$635,8900.19%
78BERKSHIRE HATHAWAY INC DELBRK-A1,243$624,7940.19%
79VANGUARD INDEX FDS9229087512,344$604,6350.18%
80VANGUARD INDEX FDS922908363936$587,0190.18%
81OMNICOM GROUP INCOMC7,041$568,5560.17%
82ISHARES TR46435G19324,238$566,7980.17%
83META PLATFORMS INCMETA858$566,3570.17%
84SANOFI SASNYNF11,526$558,5370.17%
85JPMORGAN CHASE & CO.VYLD1,710$550,9960.17%
86SELECT SECTOR SPDR TR81369Y8033,726$536,4320.16%
87ELEVANCE HEALTH INC FORMERLYELV1,491$522,7240.16%
88BOOKING HOLDINGS INCBKNG95$508,7560.15%
89EBAY INC.EBAY5,693$495,9030.15%
90SCHWAB CHARLES CORPSCHW-PJ4,686$468,1780.14%
91DIMENSIONAL ETF TRUST25434V88014,202$464,8340.14%
92ISHARES TR46436E7677,878$453,6150.14%
93MICROSOFT CORPMSFT909$439,6110.13%
94VANGUARD INDEX FDS9229087691,304$437,2570.13%
95RTX CORPORATIONRTX2,211$405,4200.12%
96WELLS FARGO CO NEW9497461014,202$391,6260.12%
97ISHARES TR4642882813,962$381,4130.12%
98TAIWAN SEMICONDUCTOR MFG LTD8740391001,190$361,7230.11%
99ALLEGION PLCALLE2,232$355,3790.11%
100ISHARES TR46435G4252,308$343,8130.10%
101ENBRIDGE INCENNPF7,083$338,7800.10%
102WARNER BROS DISCOVERY INCWBD11,749$338,6060.10%
103RENTOKIL INITIAL PLCRKLIF11,443$337,1110.10%
104CARMAX INCKMX8,720$336,9330.10%
105ISHARES INC46434G8637,543$333,1740.10%
106ISHARES TR4642874323,730$325,0920.10%
107ISHARES TR46429B26713,274$305,6340.09%
108ISHARES TR46429B7472,940$301,0270.09%
109ISHARES INC46434G7644,128$300,0000.09%
110PEPSICO INCPEP2,074$297,6660.09%
111CENCORA INCCOR843$284,7230.09%
112CITIGROUP INCC-PR2,398$279,8230.08%
113WARNER MUSIC GROUP CORPWMG8,948$274,4350.08%
114IQVIA HLDGS INCIQV1,217$274,3240.08%
115ISHARES TR46435G1022,761$271,9590.08%
116BECTON DICKINSON & COBDX1,353$262,5770.08%
117ISHARES BITCOIN TRUST ETFIBIT5,284$262,3510.08%
118BANK NEW YORK MELLON CORP0640581002,252$261,4350.08%
119SPDR INDEX SHS FDS78463X8895,718$253,9310.08%
120RTX CORPORATIONRTX1,372$251,6250.08%
121AMPHENOL CORP NEW0320951011,837$248,2520.07%
122EBAY INC.EBAY2,815$245,1870.07%
123YUM CHINA HLDGS INCYUMC5,129$244,8580.07%
124BLACKROCK ETF TRUSTBLK3,228$239,1650.07%
125ISHARES TR46435G5162,512$238,8660.07%
126NORTHERN TR CORPNTRSO1,746$238,4860.07%
127INGREDION INCINGR2,126$234,4130.07%
128QUALCOMM INCQCOM1,363$233,1410.07%
129VERISIGN INCVRSN957$232,5030.07%
130DIMENSIONAL ETF TRUST25434V8725,284$224,8870.07%
131MASTERCARD INCORPORATEDMA392$223,9000.07%
132CAPITAL ONE FINL CORP14040H105900$218,1240.07%
133CVS HEALTH CORPCVS2,719$215,7800.07%
134ALIBABA GROUP HLDG LTDBBAAY1,445$211,8080.06%
135ARISTA NETWORKS INCANET1,613$211,3090.06%
136GENERAL MTRS CO37045V1002,548$207,2030.06%
137COMCAST CORP NEWCCZ6,837$204,3580.06%
138THE CIGNA GROUP125523100741$203,9450.06%
139DIAMONDBACK ENERGY INCFANG1,348$202,6450.06%
140CORNING INCGLW2,268$198,5560.06%
141ISHARES TR4642874322,268$197,6790.06%
142ISHARES TR46436E2216,055$194,0020.06%
143APPLOVIN CORPAPP284$191,2440.06%
144VANGUARD INDEX FDS922908769570$191,1040.06%
145AFFILIATED MANAGERS GROUP INMGRE662$190,8410.06%
146SOFI TECHNOLOGIES INCSOFI7,122$186,4540.06%
147WYNDHAM HOTELS & RESORTS INCWH2,447$184,8950.06%
148NATIONAL FUEL GAS CONFG2,171$173,8100.05%
149WILLIAMS COS INC9694571002,782$167,2440.05%
150BLACKROCK ETF TRUSTBLK3,032$165,7290.05%
151HOWARD HUGHES HOLDINGS INCHHH2,017$160,8960.05%
152NISOURCE INCNI3,775$157,6440.05%
153EXPEDIA GROUP INCEXPE555$157,2370.05%
154EVERCORE INCEVR460$156,5150.05%
155MASTEC INCMTZ719$156,2890.05%
156ISHARES TR4642885701,209$155,7550.05%
157ACUITY INCAYI432$155,5370.05%
158CONSTELLATION ENERGY CORPCEG434$153,4220.05%
159STIFEL FINL CORP8606301021,181$147,8850.04%
160GUIDEWIRE SOFTWARE INCGWRE734$147,4610.04%
161SANOFI SASNYNF3,017$146,2040.04%
162ISHARES TR46435G1021,413$139,1810.04%
163ISHARES TR46429B7471,337$136,8950.04%
164ISHARES TR46429B2675,926$136,4460.04%
165PHILIP MORRIS INTL INC718172109776$124,4700.04%
166VANGUARD INDEX FDS922908769369$123,7150.04%
167ISHARES TR46436E7671,839$105,8900.03%
168CARMAX INCKMX2,737$105,7580.03%
169AMPHENOL CORP NEW032095101703$95,0030.03%
170NORTHERN TR CORPNTRSO681$93,0180.03%
171ISHARES INC46434G8632,064$91,1670.03%
172QUALCOMM INCQCOM517$88,4760.03%
173ARISTA NETWORKS INCANET668$87,5280.03%
174MCKESSON CORPMCK106$86,9510.03%
175ISHARES TR46435G1933,334$77,9650.02%
176AFFILIATED MANAGERS GROUP INMGRE270$77,8360.02%
177CORNING INCGLW885$77,4910.02%
178APPLIED MATLS INC038222105296$76,0690.02%
179APPLOVIN CORPAPP111$74,7940.02%
180SOFI TECHNOLOGIES INCSOFI2,823$73,9060.02%
181ANALOG DEVICES INCADI272$73,7660.02%
182NOVARTIS AGNVSEF518$71,4170.02%
183HOWARD HUGHES HOLDINGS INCHHH857$68,3630.02%
184GENERAL DYNAMICS CORPGD202$68,0050.02%
185NATIONAL FUEL GAS CONFG841$67,3300.02%
186UNILEVER PLCUNLYF1,021$66,7730.02%
187CENCORA INCCOR196$66,1990.02%
188WILLIAMS COS INC9694571001,087$65,3400.02%
189EVERCORE INCEVR192$65,3280.02%
190CONSTELLATION ENERGY CORPCEG182$64,2950.02%
191ISHARES TR46436E2211,978$63,3750.02%
192MCKESSON CORPMCK76$62,3420.02%
193ISHARES INC46434G764856$62,2140.02%
194CONOCOPHILLIPSCOP662$61,9700.02%
195MASTEC INCMTZ281$61,0810.02%
196ORACLE CORPORCL-PD313$61,0070.02%
197ACUITY INCAYI169$60,8470.02%
198STIFEL FINL CORP860630102481$60,2310.02%
199NISOURCE INCNI1,438$60,0510.02%
200MEDTRONIC PLCMDT616$59,1730.02%
201VISA INCV164$57,5160.02%
202GUIDEWIRE SOFTWARE INCGWRE283$56,8860.02%
203AMAZON COM INCAMZN246$56,7820.02%
204EXPEDIA GROUP INCEXPE184$52,1290.02%
205EXXON MOBIL CORPXOM398$47,8950.01%
206ISHARES TR46435G516470$44,7200.01%
207ELEVANCE HEALTH INC FORMERLYELV127$44,5200.01%
208BANK AMERICA CORP060505104809$44,4950.01%
209OMNICOM GROUP INCOMC477$38,5180.01%
210BLACKROCK ETF TRUSTBLK693$37,8790.01%
211SELECT SECTOR SPDR TR81369Y803217$31,2560.01%
212ALPHABET INCGOOG98$30,6740.01%
213RENTOKIL INITIAL PLCRKLIF979$28,8410.01%
214YUM CHINA HLDGS INCYUMC557$26,5910.01%
215ALLEGION PLCALLE154$24,5200.01%
216PEPSICO INCPEP140$20,0930.01%
217TAIWAN SEMICONDUCTOR MFG LTD87403910064$19,4490.01%
218IQVIA HLDGS INCIQV85$19,1600.01%
219BERKSHIRE HATHAWAY INC DELBRK-A34$17,0900.01%
220WARNER BROS DISCOVERY INCWBD584$16,8340.01%
221ALPHABET INCGOOG53$16,6310.01%
222WYNDHAM HOTELS & RESORTS INCWH202$15,2630.00%
223WARNER MUSIC GROUP CORPWMG485$14,8750.00%
224PHILIP MORRIS INTL INC71817210989$14,2760.00%
225DIAMONDBACK ENERGY INCFANG94$14,1310.00%
226MASTERCARD INCORPORATEDMA22$12,5590.00%
227JPMORGAN CHASE & CO.VYLD36$11,6000.00%
228INGREDION INCINGR102$11,2470.00%
229WELLS FARGO CO NEW949746101116$10,8110.00%
230META PLATFORMS INCMETA16$10,5610.00%
231MICROSOFT CORPMSFT20$9,6720.00%
232SCHWAB CHARLES CORPSCHW-PJ96$9,5910.00%
233GENERAL DYNAMICS CORPGD24$8,0800.00%
234ANALOG DEVICES INCADI29$7,8650.00%
235COMCAST CORP NEWCCZ261$7,8010.00%
236NOVARTIS AGNVSEF56$7,7210.00%
237BANK NEW YORK MELLON CORP06405810066$7,6620.00%
238VERISIGN INCVRSN31$7,5310.00%
239UNILEVER PLCUNLYF115$7,5210.00%
240CENCORA INCCOR22$7,4310.00%
241BECTON DICKINSON & COBDX38$7,3750.00%
242CONOCOPHILLIPSCOP76$7,1140.00%
243MEDTRONIC PLCMDT72$6,9160.00%
244APPLIED MATLS INC03822210525$6,4250.00%
245OMNICOM GROUP INCOMC77$6,2180.00%
246AMAZON COM INCAMZN26$6,0010.00%
247EXXON MOBIL CORPXOM47$5,6560.00%
248BOOKING HOLDINGS INCBKNG1$5,3550.00%
249VISA INCV14$4,9100.00%
250ORACLE CORPORCL-PD24$4,6780.00%
251BANK AMERICA CORP06050510485$4,6750.00%
252SANOFI SASNYNF96$4,6520.00%
253ELEVANCE HEALTH INC FORMERLYELV13$4,5570.00%
254CARMAX INCKMX91$3,5160.00%
255EBAY INC.EBAY35$3,0490.00%
256RTX CORPORATIONRTX16$2,9340.00%
257CITIGROUP INCC-PR22$2,5370.00%
258PEPSICO INCPEP16$2,2960.00%
259CAPITAL ONE FINL CORP14040H1057$1,7770.00%
260GENERAL MTRS CO37045V10017$1,3690.00%
261CVS HEALTH CORPCVS14$1,0790.00%