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 planning
  • Licenses: 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.

Securities and Advisory Services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affliaties. Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.

  • Not NCUA Insured
  • No Credit Union Guarantee
  • May Lose Value

Lake Michigan Credit Union and MaxWealth Management – Located at Lake Michigan Credit Union are not registered broker/dealers and are not affiliated with LPL Financial. The LPL Financial registered representative associated with this site may only discuss and/or transact securities business with residents of the following states: Colorado, Florida, Ohio, Iowa, Pennsylvania, Kansas, California, Indiana, Michigan