Our Qualifications

Mr. Jeffrey J. Kirkman, AIF is an owner of K M Financial, and is responsible for technical research, due diligence and product selection. His primary focus is the management of investment portfolios. Mr. Kirkman was the Securities Coordinator at Sigma Financial Corp, VP, Woodward Securities Corporation, and Due Diligence Analyst and Manager at Mutual Service Corp.  He is co-author of Practicing Financial Planning for Professionals (7th edition), a college textbook used at over 20 schools nationwide.  He is currently working on his second book.


Lillian Kozak is a 2023 graduate from Grand Valley State University with a bachelor’s in finance. She is a recently licensed associate at KM Financial. Currently, she is working toward obtaining her Advisory license (Series 65) and her Accredited Investment Fiduciary (AIF®) designation.

Check the background of this investment professional on FINRA's BrokerCheck.


Ms. Harriett A. MacDonald, CFPâ has been in the financial services industry for over 20 years.  During this time, she has helped countless families and business owners realize their financial objectives by using consistent and prudent money management.  
Officially retired from the securities industry, she still remains a valuable resourse to the firm.


We offer financial planning services in collaboration with other professionals, including CPAs, attorneys, pension specialists, tax specialists, and insurance advisors.