My Passion as an Adviser:

Need help with a financial problem? You have found the right person! I am a financial problem solver and whether it is personal or business related I will help you figure it out. I have the skill set, background and network to advise on any financial problem you need to solve. I’m a contrarian by nature and will not accept the status quo. If a bit of tough financial love is what you require I’ll help you through it and give you a solution. Finally, if you want a professional that has your back, my firm and I will be there for you.

My Passion in Baseball:

Being from the US I always enjoyed baseball but I had to come half way around the world to fall in love with the game. My oldest son started playing tee ball in 2005 and I soon found myself putting my hand up to help the committee. Soon after I volunteered to lead the committee of Forest Baseball Club as President and enjoyed many years of working to improve and grow the baseball club. I absolutely love baseball and in particular the people of Forest Club and the greater Manly area. We have a wonderful community and a great game.

My Passion with my Family:

My wife Michelle is a High School Math teacher. I have three kids in school the are all young, currently at the age of 16, 13 & 10. My two boys are as passionate as me in baseball and my beautiful daughter loves to dance. We are pet lovers too and right now we have two Burmese cats, Tabby and Banjo. I believe that one cannot be a successful business man if he doesn’t have a successful family, and for all my accomplishments my family is what I am most proud of.


Keystone Financial provides a variety of financial services across a broad range of client needs. These include: Residential and Commercial Finance, Vehicle Finance, Plant & Equipment Finance, Cash Flow Finance, Reverse Mortgages, SMSF Lending, Personal Superannuation, SMSF, Personal Risk Insurance, Personal Investment and Wills & Estate Planning.

Our role as Financial Advisers is to understand everything about you now as well as where you want to be in the future so as to make appropriate recommendations to help you get there. Further, we are here to educate and guide you through the inevitable ups and downs that markets give us.

Our role as Finance Brokers are to work with clients to structure their finance needs in the most appropriate and effective manner for their circumstances. We work with investors and owner occupiers alike to understand their debt portfolio and put together appropriate lending scenarios to both protect and grow your assets.

We have a great deal of experience in working with property investors. We take a long term view of all transactions and look at requirements, not just for today but many years out. There are many traps and pitfalls with buying and holding investment property.

The founder of Keystone Financial (PJ Patterson) has been a Broker in Australia since 2002, 14+ years in total and a Financial Planner since 2008.

2002 – Opening of Keystone Mortgages
2008 – Keystone Mortgages became Keystone Financial
2013 – Opened a new firm: Jump Property & Finance which holds our Real Estate License
2014 – Started partnership with ARAP who specialize in Distressed Assets
2016 – Expanded our office offshore in South East Asia