Take Control of Your Financial Journey

We believe that an educated investor is a smart investor!

Let us help you take the next step in your financial journey.

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Meet the Owner

Lillian Kozak is the third-generation owner of KM Financial Company LLC and a dedicated financial advisor and registered representative. A graduate of Grand Valley State University, she earned her bachelor’s degree in Finance and Management and has continued her family’s legacy in the financial services industry. Lillian holds the FINRA Series 7, 63, and 65 licenses, as well as the Accredited Investment Fiduciary (AIF®) designation, reflecting her commitment to ethical, knowledgeable, and client-first financial guidance.

As a young female financial business owner, Lillian understands how intimidating and overwhelming finances can feel. Therefore, she strives to work with her clients through education and consistent communciation, so they can feel more comfortable taking control of their financial journey. She not only offers investment and insurance services, she also offers financial planning services as well. She strives to create all services tailored to the individual needs and goals of her clients.

Lillian was personally mentored by seasoned professionals Harriett MacDonald and Jeffrey Kirkman, both of whom entrusted her with carrying forward the firm’s values and vision. Their guidance helped shape her approach to client relationships and long-term planning. Lillian works with individuals and families with many diverse backgrounds, and she especially values working with multiple generations within the same family by helping them navigate financial decisions with clarity and confidence.

Outside of her professional role, Lillian enjoys discovering new restaurants, shopping, pilates, walking and running with her golden retriever, Howie, and spending time crafting or reading.

Learn More

Planning for the future just got easy:

Our four step approach to your finances guided by YOU:

  1. Get to Know You Meeting: This is where YOU interview US ask questions, understand our process, values , who we are and see if we are a good fit.

  2. The Deep Dive Meeting: This is where we will review your ENTIRE financial situation- taxes, investments, insurance, and everything that matters. We look at this to gather a clear and holistic picture to help in the next meeting.

  3. The Plan: This is where we review all the information gathered on our planning platform and build out a plan to act as a guide so you can confidently continue on your financial journey.

  4. Review and Update: As life goes on, stuff happens- kids, retirement, new job, large expenses- all of these unknowns should be communicated as they come up, so we can always have an updated and cohesive guide. Even if the year has been “uneventful”, an annual meeting is still necessary.

Ready to Chat?

Schedule an appointment at a time that fits your schedule!

Frequently Asked Questions

  • KM Financial is a female owned independent financial firm. We believe in educating our clients. That means we don’t use crazy financial jargon. We break down complex financial concepts for the average person. Say goodbye to the days where finances seem intimidating and say hello to confidently taking control of your financial journey.

  • Our ideal client is someone who is ready and excited about bettering their finances. We enjoy clients who have consistent and upfront communication and are ready to jump right in to take action. No matter the age, career, gender, etc. we like to help those who like to better themselves.

  • We like to be very transparent in our services and prices. We aim to be cost-effective for the average person in the services they are searching for.

    • Comprehensive financial plans: This is a review of EVERYTHING- cash flow, goal tracking, investments, taxes, insurance, estate plans, etc. This starts at $500+ with the annual meeting cost of $125

    • Segmented financial plans: (looking at one financial topic at a time such as debt paydown, investments, cash flow, tax planning, etc) starts at $250 per segment meeting

    • Subscription plans: if you have never used a financial advisor before and have no clue on anything finance related this option may be for you. We meet once per month and review one portion of your finances. After that meeting, you will receive homework to complete for the following month. This starts at $125/month

    • Hourly financial planning: this type of planning is completely directed by you. You reach out when needed, we review what you say to review, and meet to discuss what you want to discuss. The cost for this starts at $125/hour up to 8 hours per month.

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