KM Financial

At KM Financial, we take a personalized approach to financial planning, helping clients achieve their goals with clarity and confidence. With over 14 years of experience in the financial services industry, Ryan Kozyra, a Financial Planner, brings a wealth of expertise in investment planning and market education. His mission is to build trusting, transparent relationships while guiding clients toward comprehensive financial strategies tailored to their unique needs. Supporting this vision, Lori Marinaccio, Manager of Client Relations, delivers exceptional service with her ability to nurture and cultivate relationships. With more than 20 years of experience managing financial services and entrepreneurship, Lori ensures every client receives the personalized care and attention they deserve. Together, Ryan and Lori create a dynamic team dedicated to helping clients navigate their financial journeys with integrity and support. Based in Williamsville, NY, KM Financial is proud to offer financial planning services through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial. "Prudential Advisors" is a brand name for the proprietary retail sales channel of The Prudential Insurance Company of America (PICA) and its insurance company affiliates (collectively "Prudential"). Prudential Advisors financial professionals are independent contractors