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Experienced. Independent. Comprehensive.

Wealth management services for individuals and families

Hard work is not a plan.

To achieve your goals such as saving for your children’s education, saving for your retirement or just seeking a smarter investment strategy, you need to start with a plan. The initial responsibility of K-Mack Financial is to help you create a workable plan that maps out the direction and steps required to help you reach your goal.

The ongoing duty of K-Mack is to create an investment strategy and manage to that strategy. As time goes on changes in the economy, tax policy or changes in your individual situation may require modification to your investment strategy and it is K-Mack’s job to see that those changes are made on a timely basis.

Is Your Investment Strategy Best for You?

Proud to be

It’s not how much money you make, but how much you keep.

–Robert Kiyosaki

Treat your client right, and they will treat you properly.

Kevin McKenney Photo

Kevin McKenney

Founder, CFP®

Kevin McKenney is the founder of K-Mack Financial, LLC.

Originally from the Midwest, and one who loved the outdoors, Kevin chose to move to Colorado where he met his future wife, Rosemary, also from the Midwest and also one who loved the outdoors.  Hiking and snow skiing were their favorite pastimes but a chance diversion of a sailing experience on a small Colorado lake changed their thinking about where to live resulting in a move to the warmer climes of the southeast.

While working in the food technology business Kevin discovered that he was more interested in how a company was successful; what were the attributes that made one company grow and prosper while a similar company withered.  This interest led him back to school to study accounting and finance as these two math-based disciplines are the language of business.  After receiving his Masters in Professional Accountancy from Georgia State, Kevin began his career and study of business practices.

After 30+ years as a commercial banker advising small business owners on their business financial matters, Kevin began working with those same owners on their personal needs as well.  Kevin studied and received his CFP® certification, providing a deeper understanding of personal financial planning and investment management and how best to provide this information to help individuals and families in making crucial financial decisions.

Kevin and Rosemary have enjoyed living in Sarasota since 1988 and enjoy the opportunity of sailing , biking and watching their grandchildren’s little league and soccer games.


Take Control.  Create a Plan.

No matter what financial goals you hope to achieve, it all starts with a  plan. At K-Mack, financial planning is the bedrock of what we do. Working together, we’ll create a  road map that considers where you are and where you want to go.  

Financial planning is much broader than just your investments; it’s about leading the life you want. Want to buy that second house in the mountains or send your kids to a university? Let’s craft a plan to get you and your family there. At K-Mack, we don’t create one-and-done financial plans that collect dust on a shelf. Instead, it becomes an active blueprint that keeps you on track and leads you to where you want to go. In order to craft a blueprint as unique as you and your family’s needs, I like to follow a 3-step process:


After scheduling your no obligation 30-minute consultation and we decide it’s a good fit, we’ll conduct a holistic review of your current financial situation. Based on my review, I will quantify all the information you share to develop measurable goals.


Everything will be mapped out clearly to illustrate how you’ll get from where you are now to where you want to go. During this step, we’ll also determine if there is an opportunity to actively invest in your assets and what options may work best based on your risk tolerance. In most cases, K-Mack will manage only a portion of your assets with the rest going towards 401(k) or 529 plans, for example.


Your financial plan is never final. I’ll work alongside you to update your plan throughout the years as your life changes. New job? Baby on the way? Experiencing health changes? Your plan will grow with you and your family’s needs and will be reflective of your life changes.


Let’s Get Started

Invest. Protect. Achieve.

In today’s investment landscape, it’s easy to get into overly complicated financial structures that are hard understand and don’t actually deliver. The investment strategy at K-Mack is based on four pillars, (1) diversify assets to lower risk, (2) keep costs and expenses low, (3) be mindful of taxes when making investment decisions, and (4) don’t be overly complicated with hard to understand and even harder to deliver financial solutions. We offer:



Mutual Funds



We’ll work together to help you decide which investment options will work best for your goals and unique situation in order to paint a total investment picture that mirrors your risk profile.

The K-Mack Philosophy

Diversity is your friend

Keep expenses low

Be smart with taxes

Is your portfolio too Risky?


How Can I Help You?


What is wealth management?
Do I need to be wealthy to work with a wealth manager?
What is the fiduciary standard?
What is the suitability standard?
How are you paid?
What credentials should a wealth advisor have?
What is a CFP®?
Have you or your firm been cited for disciplinary issues?
I’m ready — how do I get started?

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Success Stories

The following case studies are a composite of similar situations, not a true description of an individual or family.

I just retired, so now what?

David retired after 35 years with the Hotsky Company. All those years of hard work helped him be successful in his career, but did not give him time to prepare for retirement. David realized that hard work was not a plan and that now he needed to think of his own situation as if it was his full-time job.

David knew his situation was too important to do it himself. This was not a do-it-yourself Home Depot project, but would probably be the most important financial decision he would make. As such, he knew he needed someone to help give him a guiding hand. However, the challenge was who should he turn to for guidance?

His previous experience with financial advisors were stockbrokers who seemed to focus on a hot stock or would endlessly seem to want to impress him on their knowledge. David first looked for a CERTIFIED FINANCIAL PLANNER™ (CFP®) as a baseline requirement. A CFP® is a certification that requires not just a high-level of education in the financial field, but also a high level of integrity.

Next, he chose to find a CFP® who was also a fee-only financial planner. David knew that a fee-only financial planner would not sell on commission and would be compensated in a way that was centered on his needs.

The financial planner was able to put all of David’s financial information in an organized manner that made sense of his situation and allowed him to create a path and discipline on how to invest and spend his retirement money wisely.

With my money, I don’t want to be an expert, but I want to know what to expect and what it costs.

Mary, a recently retired biologist, knew that her field of expertise was not financial. However, she’d had enough of so-called “experts” that talked around the subject, but never seemed to answer the question. 

Mary wanted to be sure her investments were in-line with her comfort level, but could also produce the level of growth she expected. In addition, she wanted full disclosure on what she would pay for this guidance. From the advice of a friend, she found a financial planner that had the skill sets to look at her total situation and provide an overall risk level of her investments and could drill down into the detail and risk of every investment she chose to review.

The financial planner provided sample reports and discussed how the information would be provided on a timely basis. Mary was relieved to see that she could control what information she wanted to see and at the level of detail she wanted. She was also pleased to see that the advisor’s total compensation would be reported to her in a clear and timely manner.

Am I taking too much risk with my investments?

Brian was a risk taker. He was taught that without risk, there can be no reward. But now that he was nearing retirement, he knew he needed to make a more calculated approach to investing. 

The financial planner he chose had the skill sets and analytical tools to provide an investment strategy that would lower the risk over time without significant loss of opportunity. He also appreciated the ability to see his overall plan and investments in a single report.

Am I on target to retire when I reach 65? 

David and Beth, mid 50s, had their last child graduate from college a year ago and are now beginning to focus on their own lives and retirement plans. They both work hard and have good careers, but outside of their 401(k) company retirement, they have not built any other financial assets. In addition, they have long had a dream of owning a mountain home as their second home.

The first step was to quantify their current situation. What assets did they currently own, how long did they expect to work, what level of risk were they willing to take?   

With the facts and assumptions, a financial plan was created with the options and trade-offs needed to meet different objectives. It was determined that increasing their 401(k) contribution would make a significantly larger nest egg in 10 years. 

With the facts and assumptions, a financial plan was created. The plan considered different options with different outcomes. Purchasing a vacation home now and renting it out became a viable option and a Certified Public Accountant (CPA) was consulted to review the tax implications of owning a rental home. 

Creating an investment strategy that considered both 401(k) plans together provided a more logical approach to risk-taking. Finally, establishing a taxable investment account with only nominal monthly deductions provided enough of a nest egg for any unforeseen financial needs.

Getting Started is Easy

Good old fashioned, face-to-face meetings can offer lots of benefits. However, we understand that you are busy and life gets in the way. We’re able to meet with you virtually or we can come directly to you. Your time is valuable to us and we look forward to working with you!

We can come to you or we can meet at one of our two locations.


942 Virginia Drive
Sarasota, Fl. 34234


Kevin McKenney
K-Mack Financial


6151 Lake Osprey Dr.
Sarasota, FL 34240


Kevin McKenney
K-Mack Financial