About the Owner

Meet Lillian Kozak-Current Owner of

KM Financial Company, LLC

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.

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, walking and running with her golden retriever, Howie, and spending time crafting. Her warm, approachable style and passion for helping others make her a trusted advisor and an integral part of the KM Financial legacy.

View Lillian's credentials through BrokerCheck