David Wilson is a financial advisor with KCD Financial, Inc., holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked at KCD Financial since 2012 and previously at Mutual Trust Asset Management and Mutual Trust Company of America Securities. Outside of his advisory role, he performs as a bass guitarist, vocalist, and musician in a local cover band. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors managing approximately $202 million in regulatory assets. The firm serves individuals, corporate pension and profit-sharing plans, and charitable organizations, offering asset management, financial planning, and portfolio appraisal services while utilizing third-party management programs.

Noah Fess is a financial advisor at KCD Financial, Inc. with eight years of industry experience. He holds the Series 66 designation and has been with KCD Financial since 2016. KCD Financial, Inc. is a multi-team registered investment adviser and introducing broker-dealer serving individuals, corporate pension and profit-sharing plans, and charitable organizations. The firm offers a range of investment strategies and uses third-party platforms and managers as part of its implementation approach.

Roy Williams is a financial advisor with KCD Financial, Inc. He holds a Series 63 designation and has 42 years of industry experience. Williams has worked at Center Street Securities for seven years and has operated Williams Financial Group since 2001, where he also sells life, long-term care, and fixed annuities. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors, serving individuals, corporate pension and profit-sharing plans, and charitable organizations. The firm offers a range of investment strategies and utilizes third-party management programs as part of its service model.

Richard Robinson is a financial advisor at KCD Financial, Inc. He holds the Series 66 designation and has one year of industry experience. His prior work includes positions at Guided Financial Advisors and non-financial roles prior to entering the industry. KCD Financial, Inc. is a multi-team registered investment adviser and introducing broker-dealer with 38 advisors managing approximately $202 million in regulatory assets. The firm serves individuals, corporate pension and profit-sharing plans, and charitable organizations, offering a range of investment strategies and access to third-party management programs.

Steven (Shlomo) Hoffman is a CFP® and ChFC® with 24 years of industry experience. He is currently with KCD Financial, Inc. and has previously worked at Fourstar Wealth Advisors, Cambridge Investment Research, and LPL Financial. Outside of his advisory role, he is an independent insurance agent and performs occasional handyman and odd jobs unrelated to financial markets. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors serving individuals, corporate pension plans, and charitable organizations. The firm offers asset management and financial planning services, using a range of investment strategies and third-party management programs.

William Morris is a financial advisor at KCD Financial, Inc. with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Cape Investment Advisory, Calton & Associates, Sarasota Financial Group, and Transamerica Financial Advisors. In addition to his advisory role, he is involved with Sarasota Financial Group as an independent insurance agent and provides government contracting services related to federal employee benefits education. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer serving individuals, corporate pension and profit-sharing plans, and charitable organizations. The firm offers a range of investment strategies and access to third-party management programs while conducting due diligence on those managers as part of its implementation process.

Stephen Duhr is a financial advisor at KCD Financial, Inc. in Green Bay, WI, holding Series 63 and Series 65 licenses with 28 years of industry experience. His prior positions include roles at Northland Securities, Inc. for 11 years and First MidAmerica Investment Corporation for 3 years. KCD Financial, Inc. is a multi-team registered investment adviser and introducing broker-dealer serving individuals, corporate pension and profit-sharing plans, and charitable organizations. The firm offers asset management, financial planning, and portfolio appraisal services, utilizing third-party platforms and managers while tailoring strategies to client goals and risk tolerance.

Natasha Marakowski is a financial advisor at KCD Financial, Inc. with 8 years of industry experience. She previously served in the US Air Force from 2015 to 2017 and has been with Pappas Wealth Management since 2017. She holds the Series 63 and Series 65 designations. KCD Financial, Inc. is a multi-team registered investment adviser and introducing broker-dealer with 38 advisors and approximately $202 million in regulatory assets under management. The firm provides asset management, financial planning, and portfolio appraisal services to individuals, corporate pension and profit-sharing plans, and charitable organizations, using a range of investment strategies tailored to client goals and risk tolerance.

Travis Gibson is a financial advisor at KCD Financial, Inc. with five years of industry experience. He holds the Series 63 and Series 66 registrations and has worked at firms including NYLIFE Securities LLC, MassMutual Life Insurance Company, and Secure Income Management. Outside of his advisory role, he is involved in fixed index annuity and life insurance activities with multiple independent agencies. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer serving individuals, corporate pension plans, and charitable organizations. The firm offers customized investment strategies and uses third-party management programs while operating a dual broker-dealer and registered adviser business model.

Joel Blumenschein is a financial advisor with KCD Financial, Inc. in Green Bay, WI, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked with KCD Financial since 2010 and previously spent 18 years at Freedom Investors Corp. Blumenschein also serves as president and director of Freedom Securities, Inc. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors and approximately $202 million in regulatory assets under management. The firm serves individuals, corporate pension and profit-sharing plans, and charitable organizations, offering asset management, financial planning, portfolio appraisal services, and access to third-party management programs.

Giulliano Guimaray is a financial advisor at KCD Financial, Inc. with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Trinity Wealth Securities LLC, IFS Securities Inc., Florida Financial Advisors, and The Floridian. KCD Financial, Inc. is a multi-team registered investment adviser and introducing broker-dealer serving individuals, corporate pension and profit-sharing plans, and charitable organizations. The firm offers asset management, financial planning, and portfolio appraisal services, employing a range of investment strategies tailored to client goals and utilizing third-party management programs.

Robert Rivera is a financial advisor at KCD Financial, Inc. in Green Bay, WI, with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously with Cetera Advisor Networks, Central Financial States, Capital Credit Union, Principal Financial Services, and Thrivent Investment Management. Rivera is also involved in community activities as a member of the Knights of Columbus and the Prince of Peace Council. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors and approximately $202 million in regulatory assets under management. The firm serves individuals, corporate pension and profit-sharing plans, and charitable organizations, offering a range of investment approaches and access to third-party management programs.

Wayne Green is a financial advisor at KCD Financial, Inc. with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Securities America, Verus Capital Partners, and The Patriot Financial Group. Outside of his advisory role, he is involved with Associates Marketing LLC, where he works as an insurance, estate planning, and precious metals consultant. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer serving individuals, corporate pension plans, and charitable organizations. The firm offers tailored investment strategies using third-party platforms and managers, combining advisory and broker-dealer services with licensed insurance agency capabilities.

Thomas Coleman is a financial advisor at KCD Financial, Inc. with 35 years of industry experience. He has held his current role since 2004 and holds Series 63 and Series 65 licenses. Outside of advising, he is the owner of a separate insurance business focused on fixed annuity sales. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer serving individuals, corporate pension and profit-sharing plans, and charitable organizations. The firm offers asset management, financial planning, and access to third-party management programs, implementing a range of investment strategies tailored to client goals and risk tolerance.

Jennifer Shammamy is a CFP® and holds a Series 65 license with 14 years of industry experience. She is currently with KCD Financial, Inc. and has previously worked at H&B Financial Group, Hoover & Associates, and Fabian Wealth Strategies, Inc. Outside of her advisory role, she assists with administrative tasks and estate signings at a law firm on a limited, volunteer basis. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors and approximately $202 million in assets under management. The firm serves individuals, including high-net-worth clients, corporate pension and profit-sharing plans, and charitable organizations, providing a range of asset management and financial planning services through both proprietary and third-party platforms.

Luke Ober is a financial advisor at KCD Financial, Inc. in Orlando, FL, holding a Series 66 credential. He has been with KCD Financial and affiliated firms since 2026. Prior to his advisory role, he held various positions including at Universal Studios Orlando and The Walt Disney Company. KCD Financial, Inc. is a multi-team registered investment adviser and introducing broker-dealer with 38 advisors and approximately $202 million in regulatory assets under management. The firm serves individuals, corporate pension and profit-sharing plans, and charitable organizations, offering asset management, financial planning, and access to third-party management programs with strategies tailored to clients’ goals and risk tolerance.

Regina Unger is a financial advisor at KCD Financial, Inc. with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked with various insurance companies, including Protective Life Insurance Company and Symetra Life Insurance, among others. Unger is also an independent insurance agent and serves on the finance and capital campaign committees at Canfield Presbyterian Church. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors managing approximately $202 million in regulatory assets. The firm offers asset management, financial planning, and portfolio appraisal services to individuals, corporate pension and profit-sharing plans, and charitable organizations, using third-party management programs and a range of investment strategies tailored to client goals and risk tolerance.

Michael Dancey is a financial advisor at KCD Financial, Inc. with two years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Walsh Trading, Inc. and Walsh Asset Management since 2010. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors managing approximately $202 million in assets. The firm provides asset management, financial planning, and portfolio appraisal services to individuals, corporate plans, and charitable organizations, using a variety of investment strategies and third-party management platforms.

Edwin Day is a financial advisor with KCD Financial, Inc. in Bellevue, WA, holding Series 63 and Series 65 licenses and with 32 years of industry experience. His career includes long-term roles at Heritage Benefits Investment Management LLC and Heritage Benefits LLC alongside his involvement with Edwin A. Day & Co. since 1969. Outside of advisory work, he is involved in estate planning through Heritage Benefits LLC. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors serving individuals, corporate pension and profit-sharing plans, and charitable organizations. The firm offers a range of portfolio strategies and access to third-party management programs, combining advisory services with broker-dealer operations.

Lawrence Skibo is a financial advisor at KCD Financial, Inc. with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at multiple firms, including Moloney Securities Co., Inc. and Fisher Investments. Outside of finance, he owns a piano tuning business and is involved in photography and real estate activities. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors managing approximately $202 million in assets. The firm serves individuals, corporate pension plans, and charitable organizations, offering asset management, financial planning, and access to third-party management programs.

Mohd Umer Alimohmed Khatri is an advisor at KCD Financial, Inc. with a Series 65 credential and one year of industry experience. He has previously worked at Guided Financial Advisors, IRS, and Clark University, and spent ten years at A.T. Khatri & Co. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors managing approximately $202 million in assets. The firm serves individuals, including high-net-worth clients, corporate pension and profit-sharing plans, and charitable organizations, offering asset management, financial planning, and access to third-party management programs.

Christopher Fess is a financial advisor at KCD Financial, Inc. in Frisco, TX, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 33 years of industry experience, including over 22 years with KCD Financial and a prior year at SPC. Outside of advising, he owns and operates an insurance business focusing on long-term care, health, disability, and life insurance products. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer serving individual and institutional clients with asset management, financial planning, and portfolio appraisal services. The firm employs a range of strategies tailored to clients’ goals and risk tolerances and utilizes third-party management platforms alongside in-house due diligence.

Nicholas Sowers is a financial advisor at KCD Financial, Inc. with eight years of industry experience. He holds a Series 66 designation and has worked at several firms including Trinity Wealth Securities, Florida Financial Advisors, and Purshe Kaplan Sterling Investments. He is also involved with Guided Financial Advisors, an insurance-related business based in West Palm Beach. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer serving individuals, corporate pension plans, and charitable organizations. The firm offers asset management, financial planning, and access to third-party management programs with investment strategies tailored to clients’ goals and risk tolerance.

William Bringham is a financial advisor at KCD Financial, Inc. with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with KCD Financial since 2017, following five years at Freedom Investors Corp. Outside of his advisory role, he serves as president of WTB Associates, Inc., a tax preparation and accounting business. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors managing approximately $202 million in assets. The firm serves individuals—including high-net-worth clients—corporate pension plans, and charitable organizations, offering a range of investment strategies and access to third-party management programs.

Douglass Burgdorf is a CFP® with 27 years of industry experience, currently serving at KCD Financial, Inc. since 2007. He is a partner in an insurance sales business and owns an independent financial planning and investment management firm, Burgdorf Financial Services, Inc. Additionally, he volunteers in marketing and business development for a technology company. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors managing approximately $202 million in regulatory assets. The firm serves individuals, corporate pension plans, and charitable organizations, offering tailored investment strategies and access to third-party management programs.

Jonathan Gimperling is a CFP® with 27 years of industry experience. He has worked at Lincoln Financial Advisors Corp since 2003 and previously at Scarborough Capital Management, Inc. from 1999 to 2003. Outside of advising, he owns rental property managed by a third party. KCD Financial, Inc. is a multi-team registered investment adviser with 38 advisors and approximately $202 million in regulatory assets under management. The firm serves individuals, including high-net-worth clients, corporate pension and profit-sharing plans, and charitable organizations, offering asset management, financial planning, and portfolio appraisal services using various investment strategies and third-party management programs.

Orin Day is a financial advisor at KCD Financial, Inc. with a Series 65 designation and one year of industry experience. Prior to joining KCD Financial, he worked at Heritage Benefits Financial Services, LLC and Heritage Benefits Investment Management, LLC. He also has a long career background at RTI International spanning 22 years. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors serving individuals, corporate pension plans, and charitable organizations. The firm offers asset management, financial planning, and portfolio appraisal services, utilizing a range of investment strategies and third-party management programs.

Timothy Steffen is a ChFC®-designated financial advisor with 37 years of industry experience, currently serving at KCD Financial, Inc. since 2004. Prior to this, he worked for Eagle Strategies (NY Life) for five years. Outside of financial advising, he owns and operates a tree farm specializing in timber production, and he is the newly elected chairman of the Shawano County Republican Party. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors managing approximately $202 million in assets. The firm offers asset management, financial planning, and portfolio appraisal services to individuals, corporate pension plans, and charitable organizations, utilizing a range of investment strategies and third-party management programs.

Daniel Rust is a financial advisor at KCD Financial, Inc. with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with KCD Financial and Strategic Alliance Investment Advisors since 2007. Rust also owns a life and long-term care insurance sales business. KCD Financial, Inc. is a multi-team registered investment adviser and introducing broker-dealer with 38 advisors managing approximately $202 million in assets. The firm serves individuals, including high-net-worth clients, corporate pension and profit-sharing plans, and charitable organizations, offering asset management, financial planning, and access to third-party management programs.

Benjamin Kopen is a financial advisor at KCD Financial, Inc. with one year of industry experience. He holds a Series 66 designation and has worked at KCD Financial, Guided Financial Advisors, and the Orlando Utilities Commission. Prior to his advisory roles, he was employed at NJ Lenders and has teaching experience at Rollins College and James Caldwell High School. KCD Financial, Inc. is a multi-team registered investment adviser and introducing broker-dealer serving individuals, corporate pension and profit-sharing plans, and charitable organizations. The firm offers asset management, financial planning, and portfolio appraisal services, utilizing a range of investment strategies and third-party management programs.

Edward Spaulding is a financial advisor at KCD Financial, Inc. with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Prudential Investment Management Services LLC and PGIM Investments, LLC for over two decades. Outside of his advisory role, he works part-time as a bartender at a Florida water park. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer serving individual, corporate, and charitable clients. The firm offers customized investment strategies and access to third-party management programs while maintaining a dual broker-dealer and advisory business model.

Christopher Johanson is a financial advisor at KCD Financial, Inc. He holds the Series 66 designation and began his advisory career in 2025. Prior to joining KCD Financial, Johanson worked at Guided Financial Advisory and has experience at the University of Maine and Mission Critical Delivery. KCD Financial, Inc. is a multi-team registered investment adviser and introducing broker-dealer serving individuals, corporate pension and profit-sharing plans, and charitable organizations. The firm offers asset management, financial planning, portfolio appraisal services, and access to third-party management programs, with investment strategies tailored to clients’ goals and risk tolerance.

David Bernarde is a financial advisor at KCD Financial, Inc. with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with KCD Financial since 2012. Bernarde also owns and operates Benefits Plus, where he sells life and health insurance, fixed annuities, and group benefit insurance plans. Outside of his advisory work, he assists with event management and announcements for the West De Pere School District and serves as church treasurer at New Hope United Methodist Church. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer serving individuals, corporate pension and profit-sharing plans, and charitable organizations. The firm offers tailored investment strategies and access to third-party management programs, combining advisory and broker-dealer services.

Seth Schwartz is a financial advisor at KCD Financial, Inc. with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at KCD Financial since 2010. In addition to his advisory role, he is involved in compliance-related consulting and serves as a FINRA arbitrator. He also participates as a member of a homeowners association board. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors and approximately $202 million in regulatory assets under management. The firm serves individuals, including high-net-worth clients, corporate pension and profit-sharing plans, and charitable organizations, offering asset management, financial planning, and portfolio appraisal services that include both discretionary and non-discretionary strategies.

Austin Burnett is a financial advisor at KCD Financial, Inc. with four years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Trinity Wealth Securities, LLC and Florida Financial Advisors. Prior to his advisory roles, he worked in the restaurant industry and as a teacher. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer serving individuals, corporate pension and profit-sharing plans, and charitable organizations. The firm offers asset management, financial planning, and access to third-party management programs, employing a range of investment strategies tailored to clients’ goals and risk tolerances.

Maria Tipton is a financial advisor at KCD Financial, Inc. with 38 years of industry experience. She has worked at KCD Financial since 2012 and was previously with PRUCO Securities, LLC. from 1998 to 2011. In addition to her advisory work, she is licensed as an insurance agent and sells fixed annuities, life insurance, long-term care, and disability products. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer serving individuals, corporate pension plans, and charitable organizations. The firm offers asset management, financial planning, and portfolio appraisal services, using a range of investment strategies and third-party management programs.

Ronald Machtan is a financial advisor at KCD Financial, Inc. with 30 years of industry experience. He has been with KCD Financial since 2006. Outside of finance, he owns Master-Bait Co., a business focused on fishing lures, clothing, and novelties, which he operates as a part-time hobby. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors managing approximately $202 million in regulatory assets. The firm serves individuals, corporate pension and profit-sharing plans, and charitable organizations, offering tailored investment strategies and access to third-party management programs.

Brett Frum is a financial advisor with KCD Financial, Inc. in Green Bay, WI, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. His prior work includes roles at AEI Fund Management, AEI Securities, Patrick Capital Markets, Stratera Holdings, and BNY Mellon Securities Corporation. Outside of advisory work, he serves as Director of Sales and Distribution for TradeBacked Inc., focusing on leasebacks to small and medium enterprises. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors managing approximately $202 million in assets. The firm serves individuals, corporate pension and profit-sharing plans, and charitable organizations, offering a range of investment strategies and access to third-party management programs.