Bingham Farms, MI Office

KCD Financial, Inc. is a multi-team registered investment adviser and introducing broker-dealer with 38 advisors and roughly $202 million in regulatory assets under management. It provides asset management, financial planning and portfolio appraisal services to individuals (including high‑net‑worth clients), corporate pension and profit‑sharing plans, and charitable organizations, and also offers access to third‑party management programs.

Advisers tailor recommendations to each client’s goals and risk tolerance and may implement strategies ranging from long‑term buy‑and‑hold to short‑term trading, margin, and option strategies; discretionary authority is used only when expressly granted by the client. The firm uses third‑party platforms and managers (including Hilltop/Envestnet programs such as SMA, UMA, and strategist fund portfolios) and conducts due diligence on those managers as part of its implementation approach.

KCD’s structure is notable for its dual broker‑dealer and registered adviser roles and for being a licensed insurance agency; the firm reports that roughly 90% of its activity is broker/dealer business and about 10% advisory, with a business mix that includes mutual funds, variable insurance products, REITs and private placements, which can create potential conflicts of interest. The brochure discloses prior FINRA disciplinary matters and related fines (including matters involving advertising and supervisory/email‑retention controls with fines noted at $73,000, $5,000, and a $10,000 settlement), and clients are directed to review the firm’s Form ADV and BrokerCheck details for additional information.