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    Franchise opportunities compared

    Keystone Insurers Services Group vs Toro Taxes

    Reviewed figures from each brand's Franchise Disclosure Document (FDD), side by side. Each figure carries its FDD year and page. This is not a ranking or recommendation, and the two FDDs may cover different years and location groups.

    KIKeystone Insurers Services Group2025 FDDToro Taxes2026 FDD

    Initial investment · Item 7

    Keystone Insurers Services Group

    $27,250 – $99,200

    2025 FDD · Item 7 · PDF p. 24

    Toro Taxes

    $17,835 – $79,150

    2026 FDD · Item 7 · PDF p. 36

    Initial franchise fee · Item 5

    Keystone Insurers Services Group

    Not available

    Toro Taxes

    $40,000

    2026 FDD · Item 5 · PDF p. 20

    Royalty · Item 6

    Keystone Insurers Services Group

    Not available

    Toro Taxes

    10%

    2026 FDD · Item 6 · PDF p. 21

    Before you compare

    • Keystone Insurers Services Group figures come from its 2025 FDD and Toro Taxes figures from its 2026 FDD, so the years differ.
    • Only Toro Taxes has reviewed Item 19 figures here.

    Financial commitment

    Estimated initial investment (Item 7)

    Keystone Insurers Services Group

    $27,250 – $99,200
    Estimated initial investment total range
    2025 FDD · Item 7 · PDF p. 24

    Toro Taxes

    $17,835 – $79,150
    Total Estimate: $17,835 – $79,150
    2026 FDD · Item 7 · PDF p. 36
    Standard initial franchise fee (Item 5)

    Keystone Insurers Services Group

    Not available
    No single standard fee identified

    Toro Taxes

    $40,000
    2026 FDD · Item 5 · PDF p. 20
    Royalty (Item 6)

    Keystone Insurers Services Group

    Not available
    No reviewed royalty record

    Toro Taxes

    10%
    Individual tax preparation royalty
    2026 FDD · Item 6 · PDF p. 21
    Brand / advertising fund (Item 6)

    Keystone Insurers Services Group

    Not available
    No reviewed brand or advertising fund fee

    Toro Taxes

    2%
    Global Brand Development Fund — 2%
    2026 FDD · Item 6 · PDF p. 22

    System scale & health

    Total outlets (Item 20)

    Keystone Insurers Services Group

    302
    Outlets at end of 2024
    2025 FDD · Item 20 · PDF p. 48

    Toro Taxes

    194
    Outlets at end of 2025
    2026 FDD · Item 20 · PDF p. 72
    Net outlet change (Item 20)

    Keystone Insurers Services Group

    +17
    Calculated: 285 at end of 2022 → 302 at end of 2024

    Toro Taxes

    −1
    Calculated: 195 at end of 2023 → 194 at end of 2025
    Outlet exits (Item 20)

    Keystone Insurers Services Group

    Not available
    No complete exit records for a year

    Toro Taxes

    Not available
    No complete exit records for a year
    Franchising since (Item 1)

    Keystone Insurers Services Group

    Not available
    Not in reviewed records

    Toro Taxes

    2015
    From a verified franchisor listing
    Franchisor founded (Item 1)

    Keystone Insurers Services Group

    Not available
    Not in reviewed records

    Toro Taxes

    Not available
    Not in reviewed records

    Financial performance (Item 19), by location group

    KIKeystone Insurers Services Group

    No reviewed Item 19 figures

    Toro Taxes
    Locations counted not stated in the reviewed record — Operational Franchised outlets
    $220,974
    other Franchised Bank Product Returns Gross Sales High 2025
    2026 FDD · Item 19 · PDF p. 71
    Locations counted not stated in the reviewed record — company-owned outlets
    500 returns
    other Overall Returns company-owned 2025
    2026 FDD · Item 19 · PDF p. 68
    Locations counted not stated in the reviewed record — franchised outlets
    $235
    other Tax Preparation Fee Per Cash File Return franchised 2024
    2026 FDD · Item 19 · PDF p. 69
    +9 more groups in the full report

    Item 19 groups are shown separately and never combined. Revenue or sales figures are not profit. Net outlet change and turnover are Franopolis calculations from the disclosed counts; turnover is a count-based rate, not a measure of owner earnings.

    Keystone Insurers Services Group vs Toro Taxes: common questions

    Which costs less to open, Keystone Insurers Services Group or Toro Taxes?
    Keystone Insurers Services Group: $27,250 – $99,200 (2025 FDD · Item 7 · PDF p. 24); Toro Taxes: $17,835 – $79,150 (2026 FDD · Item 7 · PDF p. 36). These are each franchisor's Item 7 estimated initial investment. The low end of the disclosed estimate is lower for Toro Taxes. Estimates are not quotes, and the FDD years may differ.
    Which has more locations, Keystone Insurers Services Group or Toro Taxes?
    Keystone Insurers Services Group: 302 (2025 FDD · Item 20 · PDF p. 48); Toro Taxes: 194 (2026 FDD · Item 20 · PDF p. 72). Total outlets from Item 20. Outlet counts do not indicate territory availability or franchisee results.
    Do Keystone Insurers Services Group and Toro Taxes disclose financial performance (Item 19)?
    Keystone Insurers Services Group has no reviewed Item 19 figures on file; Toro Taxes has reviewed Item 19 figures for 12 location groups. Different location groups are not directly comparable, and revenue is not profit.

    Answers restate the reviewed figures above. Not a ranking or recommendation.

    How Franopolis reviews FDD figures

    Keep researching

    KI

    Full Keystone Insurers Services Group report

    Every reviewed fee, Item 19 group, outlet table and territory disclosure

    Full Toro Taxes report

    Every reviewed fee, Item 19 group, outlet table and territory disclosure

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    FDD glossary

    Plain-language meaning of each Item