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 wealth accumulation plan for our members.”

Contact Info

Quick Facts

  • Specialties: Premier (private) banking, wealth strategies, insurance, consumer and commercial lending, real estate lending, and state law
  • Education: College of Financial Planning, Chartered Retirement Planning Counselor (The School for Financial Planning), January 2001, Certified Private Wealth Advisor (CPWA), August 2016, Life and Health Insurance Licensed, April 1996
  • Honors: Treasurer Naples Spartans MSU Alumni Club, Award winner of the Five Star Professional 2020

About Kristy

Kristy has been in the financial industry since 1989, serving clients in banking, investments, and insurance, while specializing in consumer lending, commercial and mortgage lending, branch services, and client services. Over the past 30 years, she’s held leadership roles at Old Kent Bank of Holland, First Michigan Bank, Huntington National Bank/Huntington Investment Company, Byron Bank/Byron Insurance Agency, and Chemical Bank/Chemical Financial Advisors.

Kristy’s goal is to help you feel confident in making lifelong financial decisions that will affect you and your loved ones. She takes a holistic approach by considering your financial situation in its entirety — analyzing how the different areas of your life intertwine and impact one another. She’ll listen to your future dreams, and she’ll help you build a nest egg so that when the time comes, you’re ready to turn those dreams into reality.

Kristy believes that building wealth shouldn’t be the sole focus of the planning process. As a mother of ten and a grandmother to five, she’s been a baseball, volleyball, soccer, band, Girl Scout, and drama club mom for as long as she can remember. She values family, and she’ll not only help you accumulate wealth, she’ll show you how to make sure your loved ones are taken care of now and in the future.