A Financial Relationship Tailored To You

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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 approach.

As a young female financial business owner, Lillian understands how intimidating and overwhelming finances can feel. She believes financial planning should be approachable, understandable, and tailored to each individual. Therefore, through education, open communication, and personalized guidance, she helps clients feel more comfortable making financial decisions and more confident about their future.

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, too. Ask questions, understand our process, values , who we are and decide if KM Financial feels like the right fit for you.

  2. The Deep Dive Meeting: This is where we will review your ENTIRE financial situation- taxes, investments, insurance, and everything that matters. This helps us understand the full picture so we can make thoughtful recommendations based on your goals.

  3. The Plan: This is where we review all the information gathered on our planning platform and together, we'll build a financial plan around your goals, priorities, and life. This plan acts as a guide so you can confidently continue on your financial journey.

  4. Review and Update: Life does not always go according to plan- kids, retirement, new job, large expenses- and as life changes your financial plan should as well. We'll revisit your strategy and make adjustments as your goals and circumstances evolve. 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 built around relationships, education, and personalized guidance.

    We believe you shouldn't need a finance degree to understand your finances. We take complex financial concepts and break them down into clear, practical information so you can feel confident about the decisions you're making.

    Our goal isn't simply to manage your money—it's to help you understand it. .

  • We work with individuals and families who want to be more intentional about their financial future.

    You may be building your career, growing your family, preparing for retirement, managing a business, or simply wondering if you're on the right financial track.

    You don't need to have everything figured out before reaching out. You just need to be ready to start the conversation.

    We value clients who communicate openly, ask questions, and are willing to take an active role in their financial future.

  • 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've never worked with a financial advisor before, that's completely okay. You don't need to be an expert in finance to get started. 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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