Company History
Our Story: Three Generations of Trusted Financial Guidance
KM Financial began with the vision and tenacity of Harriett MacDonald, a beloved schoolteacher at Warren Woods High School who turned her passion for education into a second career—this time, as one of the pioneering women in the financial advisory world. In the early 1990s, Harriett broke into a male-dominated industry with grace, grit, and an unwavering dedication to helping people understand their money. Her reputation grew not only because of her financial acumen, but because she made every client feel like family. To this day, although she has stepped back from day-to-day operations, Harriett continues to keep in touch with many clients who have become lifelong friends.
In the early 2000s, Harriett welcomed Jeffrey Kirkman as a partner and second-generation leader of KM Financial. With two decades of experience already under his belt, Jeffrey brought deep industry knowledge and a commitment to the same client-first values Harriett had instilled. His career path—from auditing energy companies across the U.S., to serving as a back-office analyst at Sigma Financial Corporation, to becoming a trusted representative and co-authoring a book with his colleague Dr. Mitra—prepared him to lead with both technical insight and a strong sense of purpose. Under his guidance, KM Financial expanded, always grounded in the core belief that financial planning should be approachable, educational, and tailored to each individual.
Today, Lillian Kozak carries KM Financial into its third generation, following the passing of her beloved mentor, Jeffrey Kirkman. With deep respect for the legacy he left behind, Lillian is committed to honoring Jeffrey’s mission: empowering clients through education and creating a soft, supportive, hand-holding approach to financial planning. Lillian’s leadership reflects the very heart of KM Financial—warm, clear, and deeply personal.
Three generations in, we’re still proud to say that when you work with KM Financial, you’re not just getting advice—you’re gaining a team that listens, guides, and stands beside you every step of the way.
