Kristy Kemnic-Nicol

“My biggest professional rewards come from knowing that I can make a real difference in the outcome of a well thought-out retirement plan for my clients.”

Contact Info


  • Chartered Retirement Planning Counselor®Specialties: Financial planning, retirement planningLicenses: Series 7, 24, 63, 65, 66 and 51 registrations held through LPL Financial. Florida/Michigan Life, Health, Property and Casualty licensed.

About Kristy

I've been in the financial Industry since 1989, serving clients in banking, investments and insurance, and have been a registered financial advisor (currently with LPL Financial) since 1996. When working with a member like you, I take a holistic approach in helping you to pursue your goals of financial stability and sustainability. That means considering your financial scenario in its entirety, to understand how your various life-factors play off each other. I help clients work towards saving and building wealth through financial, retirement and legacy planning.

I help my clients sketch out a realistic picture of what they want their retirement to become, and help educate them with the knowledge I've gained over the past 29 years in the financial industry. My goal is to help you feel confident in making the lifelong decisions that will not only affect you, but your loved ones as well.

The importance of building wealth shouldn’t be the sole focus of the planning process. I'm here to help guide you up the wealth accumulation hill, and then show you how to ease back down during retirement without putting everything you've worked for at risk.

I serve members at all income levels and tax brackets, providing tax sensitive investing strategies. I also employ various longevity planning tools – long term care and life insurance policies, or hybrid plans that serve both needs, with a goal to work towards helping your funds last throughout retirement.

As a mother to ten children and grandmother to five, I have been a baseball, volleyball, cheerleading, snowboarding, soccer, band, brownie, Girl Scout and drama club mom for as long as I can remember.

I value family, friends and the great co-workers I team with daily. LMCU is my family away from family.

Broker Check

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Lake Michigan Credit Union and MaxWealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using MaxWealth Management, and may also be employees of Lake Michigan Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Lake Michigan Credit Union or MaxWealth Management. Securities and insurance offered through LPL or its affiliates are:

Not Insured by the NCUA or Any Other Government Agency. Not Lake Michigan Credit Union Guaranteed. Not Lake Michigan Credit Union Deposits or Obligations. May Lose Value.

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.