Kcd Financial, Inc.

Form ADV Part 2B – Individual Disclosure Brochure for Michael A. Dancey Investment Adviser Representative KCD Financial, Inc. 3223 Greenleaf Avenue Wilmette, IL (847) 830-4241 KCD Financial, Inc. 3061 Allied St. Suite B Green Bay, WI 54304 920-347-3400 This Brochure Supplement provides information about Michael Dancey that supplements the KCD Financial, Inc. Brochure. You should have received a copy of that Brochure. Please contact our Compliance Department if you did not receive KCD Financial, Inc.’s Brochure or if you have any questions about the contents of this supplement. Additional information about Michael A. Dancey, CRD# 1543745, is available on the SEC’s website at www.adviserinfo.sec.gov...  Dated – March 4, 2026 Item 2- Educational Background and Business Experience Name: Michael A. Dancey Year of Birth: 1961 Formal Education: University of Illinois at Urbana – Bachelor of Science – Investments and Banking Business Background: Name From To City State Position 01/2026 Present KCD Financial Inc. Green Bay WI Investment Advisor 01/2012 Present Managed Account Research Inc. Chicago IL Head of Research/VP- Institutional Services 01/2019 01/2024 Wedbush Securities Inc. CA Los Angeles Alternative Investments Consultant Item 3- Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. Michael A. Dancey has nothing that is applicable to this Item. Additional information may be available on FINRA’s website at www.finra.org/brokercheck. Item 4- Other Business Activities Michael A. Dancey is a registered representative of KCD Financial, Inc., 3061 Allied St. Suite B, Green Bay, WI 54304. From time to time, he will offer clients advice or products from those activities. Client should be aware that these services pay a commission and involve a possible conflict of interest, as commissionable products can conflict with the fiduciary duties of a registered investment adviser. KCD Financial, Inc. always acts in the best interest of the client, including the sale of commissionable products to advisory clients. Clients are in no way required to implement the plan through any representative of KCD Financial, Inc. in their capacity as a registered representative. Michael A. Dancey also works at Managed Account Research Inc. as the VP of Institutional Services. Michael A. Dancey assists clients with managed futures and futures trading. In addition, Michael A. Dancey assists clients selecting CTAs and constructing portfolios of CRAs.  Item 5- Additional Compensation Other than salary or commissions from his role as a registered representative, Michael A. Dancey does not receive any economic benefit from any person, company, or organization in exchange for providing client advisory services through KCD Financial, Inc. Item 6 - Supervision Robert Rivera, Compliance Officer, (phone 920-347-3400) is the supervising principal, which may be delegated, responsible for supervising Michael A. Dancey advisory activities on behalf of KCD Financial, Inc. His duties include reviewing and approving all transactions and paperwork for advisory accounts. On a quarterly basis he reviews all advisory fees that will be charged for advisory accounts. He also approves fees for all accounts managed by the representative directly. Item 7- Requirements for State-Registered Advisers No information is applicable to this item. 

Form ADV Part 2B – Individual Disclosure Brochure for Shlomo J. Hoffman Investment Adviser Representative KCD Financial, Inc. Nachal HaYarkon 51B Beit Shemesh, Israel (617) 275-5516 KCD Financial, Inc. 3061 Allied St. Suite B Green Bay, WI 54304 920-347-3400 This Brochure Supplement provides information about Shlomo Hoffman that supplements the KCD Financial, Inc. Brochure. You should have received a copy of that Brochure. Please contact our Compliance Department if you did not receive KCD Financial, Inc.’s Brochure or if you have any questions about the contents of this supplement. Additional information about Steven (Shlomo) Hoffman, CRD# 4228068, is available on the SEC’s website at www.adviserinfo.sec.gov...  Dated – January 10, 2024 Item 2- Educational Background and Business Experience Name: Steven (Shlomo) J. Hoffman Year of Birth: 1979 Formal Education: Brandeis University, B.A. – Economics, 2002 CFP - CERTIFIED FINANCIAL PLANNER™ certification is the standard for financial planning. CFP® professionals meet rigorous education, training, and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow. ChFC - A Chartered Financial Consultant is a professional designation representing the completion of a comprehensive course consisting of financial education, examinations, and practical experience. Chartered Financial Consultant designations are granted by the American College upon completion of seven required courses and two elective courses. Those who earn the designation are understood to be knowledgeable in financial matters and to have the ability to provide sound advice. Business Background: Name From To City State Position 08/2023 Present KCD Financial, Inc Green Bay WI Registered Representative Investment Advisor 08/2023 01/2024 Chicago IL Investment Advisor Rep FourStar Wealth Advisors, LLC 06/2015 08/2023 CAMBRIDGE FAIRFIELD IA INVESTMENT RESEARCH INVESTMENT ADVISER REPRESENTATIVE ADVISORS, INC. 06/2015 08/2023 FAIRFIELD IA REGISTERED REPRESENTATIVE CAMBRIDGE INVESTMENT RESEARCH, INC. 02/2009 06/2015 LPL FINANCIAL LLC WELLESLEY MA REGISTERED REPRESENTATIVE 01/2002 12/2008 LINCOLN INVESTMENT WALTHAM MA FINANCIAL REPRESENTATIVE, PLANNING, INC. INVESTMENT ADVISOR REPRESENTATIVE Item 3- Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. Shlomo Hoffman has nothing that is applicable to this Item. Additional information may be available on FINRA’s website at www.finra.org/brokercheck.  Item 4- Other Business Activities Shlomo Hoffman is a registered representative of KCD Financial, Inc., 3061 Allied St. Suite B, Green Bay, WI 54304. From time to time, he will offer clients advice or products from those activities. Client should be aware that these services pay a commission and involve a possible conflict of interest, as commissionable products can conflict with the fiduciary duties of a registered investment adviser. KCD Financial, Inc. always acts in the best interest of the client, including the sale of commissionable products to advisory clients. Clients are in no way required to implement the plan through any representative of KCD Financial, Inc. in their capacity as a registered representative. Shlomo Hoffman is also licensed as an insurance agent and is in the business of selling various insurance products. Shlomo Hoffman may receive normal commissions through the sale of these insurance products which create a similar potential conflict of interest as in the previous paragraph. Item 5- Additional Compensation Other than salary or commissions from his role as a registered representative, Shlomo Hoffman does not receive any economic benefit from any person, company, or organization in exchange for providing client advisory services through KCD Financial, Inc. Item 6 - Supervision Robert Rivera, Compliance Officer, (phone 920-347-3400) is the supervising principal, which may be delegated, responsible for supervising Shlomo Hoffman advisory activities on behalf of KCD Financial, Inc. His duties include reviewing and approving all transactions and paperwork for advisory accounts. On a quarterly basis he reviews all advisory fees that will be charged for advisory accounts. He also approves fees for all accounts managed by the representative directly. Item 7- Requirements for State-Registered Advisers No information is applicable to this item. 

KCD Financial, Inc. Form ADV Part 2B – Individual Disclosure Brochure for Luke Jockovich Investment Adviser Representative Guided Financial Advisors 200 Central Ave. 4th Floor St. Petersburg, FL 33701 (727) 490-5779 KCD Financial, Inc. 3061 Allied St. Suite B Green Bay, WI 54304 920-347-3400 This Brochure Supplement provides information about Luke Jockovich that supplements the KCD Financial, Inc. Brochure. You should have received a copy of that Brochure. Please contact our Compliance Department if you did not receive KCD Financial, Inc.’s Brochure or if you have any questions about the contents of this supplement. Additional information about Luke Jockovich is available on the SEC’s website at www.adviserinfo.sec.gov... Dated – February 9, 2026 1  Item 2- Educational Background and Business Experience Year of Birth: 2000 Name: Luke Jockovich Formal Education: BA in Business Administration University of Florida - Gainesville, FL 2019-2023 MS in Information Systems and Operations Management University of Florida- Gainesville, FL 2023-2024 Business Background: From To Name City State Country Position 11/2024 01/2025 Investment Related Business? Y Tampa FL 05/2024 01/2025 Y Tampa FL Trinity Wealth Securities, LLC Florida Financial Advisors United States United States Registered Representative Financial Consultant Item 3- Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. Luke Jockovich has no information applicable to this Item. Additional information may be available on FINRA’s website at www.finra.org/brokercheck or at the SEC at www.adviserinfo.sec.gov . (CRD#: 7923104 ). 2  Item 4- Other Business Activities Luke Jockovich is a registered representative of KCD Financial, Inc., 3061 Allied St. Suite B, Green Bay, WI 54304. From time to time he will offer clients advice or products from those activities. Client should be aware that these services pay a commission and involve a possible conflict of interest, as commissionable products can conflict with the fiduciary duties of a registered investment adviser. KCD Financial, Inc. always acts in the best interest of the client, including the sale of commissionable products to advisory clients. Clients are in no way required to implement the plan through any representative of KCD Financial, Inc. in their capacity as a registered representative. Luke Jockovich is also licensed as an insurance agent and is in the business of selling life and annuity insurance products. Luke Jockovich may receive normal commissions through the sale of these insurance products which create a similar potential conflict of interest as in the previous paragraph. Item 5- Additional Compensation Other than salary or commissions from his role as a registered representative, Luke Jockovich. He does not receive any economic benefit from any person, company, or organization in exchange for providing client advisory services through KCD Financial, Inc. Item 6 - Supervision Robert Rivera, Compliance Officer, (phone 920-347-3400) is the supervising principal, which may be delegated, responsible for supervising Luke Jockovich advisory activities on behalf of KCD Financial, Inc. His duties include reviewing and approving all transactions and paperwork for advisory accounts. On a quarterly basis he reviews all advisory fees that will be charged for advisory accounts. He also approves fees for all accounts managed by the representative directly. Item 7- Requirements for State-Registered Advisers No information is applicable to this item. 3 

Form ADV Part 2B – Individual Disclosure Brochure for William S. Morris Investment Adviser Representative KCD Financial, Inc. 3220 43RD Avenue East Bradenton, FL 34208 (941) 927-1050 KCD Financial, Inc. 3061 Allied St. Suite B Green Bay, WI 54304 920-347-3400 This Brochure Supplement provides information about William S. Morris that supplements the KCD Financial, Inc. Brochure. You should have received a copy of that Brochure. Please contact our Compliance Department if you did not receive KCD Financial, Inc.’s Brochure or if you have any questions about the contents of this supplement. Additional information about William S. Morris, CRD# 1793507, is available on the SEC’s website at www.adviserinfo.sec.gov...  Dated – March 5, 2026 Item 2- Educational Background and Business Experience Name: William S. Morris Year of Birth: 1960 Formal Education: Northeastern University – No Degree - 1980 Business Background: Name From To City State Position 01/2026 Present KCD Financial Inc Green Bay WI Registered Rep/Advisor 04/2020 01/2026 Cape Investment Advisory McDonough GA Financial Advisor 06/2016 02/2020 Calton and Associates Inc Sarasota FL Financial Advisor 03/2009 04/2016 Invest Financial Corp Tampa FL Financial Advisor Item 3- Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. William S. Morris has a disciplinary history: 1. Customer Complaint: 3/10/2014 Customer alleged William S. Morris misrepresented the income and death benefits associated with her variable annuity. William S. Morris commented that the client was fully aware of the effect on the annuity’s death benefit rider when they chose to take an excess withdrawal from the contract. The customer complaint was denied. 2. Customer Complaint: 6/23/2025 The claimant alleges that she made investments in GWG Holdings, Inc. (“GWG”) L Bonds at the recommendation of William S. Morris, a registered representative at Cape Securities. On February 5,2021, she invested $100,000 in 2-year L Bonds and on March 9, 2021, she invested $50,000 in 3-year L Bonds and $50,000 in 7-year L Bonds. Just over a year after her investments, GWG filed for bankruptcy on April 20, 2022. The claimant alleges that she has suffered a loss and has been damaged by the recommendation made by William S. Morris. Alleged damages of $200,000. Settled for $100,000. Additional information may be available on FINRA’s website at www.finra.org/brokercheck.  Item 4- Other Business Activities William S. Morris is a registered representative of KCD Financial, Inc., 3061 Allied St. Suite B, Green Bay, WI 54304. From time to time, he will offer clients advice or products from those activities. Client should be aware that these services pay a commission and involve a possible conflict of interest, as commissionable products can conflict with the fiduciary duties of a registered investment adviser. KCD Financial, Inc. always acts in the best interest of the client, including the sale of commissionable products to advisory clients. Clients are in no way required to implement the plan through any representative of KCD Financial, Inc. in their capacity as a registered representative. William S. Morris is also licensed as an insurance agent through Sarasota Financial Group, Inc. and is in the business of selling life insurance and assists his clients with debt financing on a limited basis. William S. Morris may receive normal commissions through the sale of these insurance products which create a similar potential conflict of interest as in the previous paragraph. Item 5- Additional Compensation Other than salary or commissions from his role as a registered representative, William S. Morris does not receive any economic benefit from any person, company, or organization in exchange for providing client advisory services through KCD Financial, Inc. Item 6 - Supervision Robert Rivera, Compliance Officer, (phone 920-347-3400) is the supervising principal, which may be delegated, responsible for supervising William S. Morris advisory activities on behalf of KCD Financial, Inc. His duties include reviewing and approving all transactions and paperwork for advisory accounts. On a quarterly basis he reviews all advisory fees that will be charged for advisory accounts. He also approves fees for all accounts managed by the representative directly. Item 7- Requirements for State-Registered Advisers No information is applicable to this item. 

KCD Financial, Inc. Form ADV Part 2B – Individual Disclosure Brochure for Robert L Rivera Investment Adviser Representative KCD Financial, Inc. 3061 Allied Street Suite B, Green Bay WI 54304 920-347-3400 KCD Financial, Inc. 3061 Allied St. Suite B Green Bay, WI 54304 920-347-3400 This Brochure Supplement provides information about Robert Rivera that supplements the KCD Financial, Inc. Brochure . KCD Financial is a registered investment adviser with the US Securities and Exchange Commission and a brokerage firm with FINRA. Registration does not imply a certain level of skill or training. You should have received a copy of that Brochure. Please contact David Wilson, CCO, at 920-347-3400 or at dave@kcdfinancial.com if you did not receive KCD Financial, Inc.’s Brochure or if you have any questions about the contents of this supplement. Additional information about Robert Rivera is available on the SEC’s website at www.adviserinfo.sec.gov. (CRD #4136487) Dated – March 4, 2026  Item 2- Educational Background and Business Experience Name: Robert L. Rivera Year of Birth: 1962 Formal Education: • Bachelor of Science, Geology, State University of New York, (SUNY Fredonia), Fredonia NY 1986 • US Army Engineer Officer Basic; Nuclear, Biological, Chemical Course; Maintenance Course 1987 - 1990 Oct 19, 2018 Series 66 - Uniform Combined State Law Examination The Series 66 exam — the NASAA Uniform Combined State Law Examination — is a North American Securities Administrators Association (NASAA) exam administered by FINRA. The exam consists of 100 scored questions. Candidates have 150 minutes to complete the exam. For a candidate to pass the Series 66 Exam, he/she must correctly answer at least 73 of the 100 scored questions. There is no prerequisite for the Series 66 examination. However, the Series 7 examination is a co-requisite to the Series 66 Examination. For additional information about this exam, including the content outline, please visit the exams page on the NASAA website. Business Background: 02/05/2019 Present IA Main KCD FINANCIAL, INC. (127473) 3061 ALLIED STREET Located At SUITE B GREEN BAY, WI 54304, 02/05/2019 Present KCD FINANCIAL, BD Main 3061 ALLIED Located INC. (127473) At STREET SUITE B GREEN BAY, WI 54304, 02/05/2019 Present KCD FINANCIAL, 212410 3061 Allied Supervised INC. (127473) From Street SUITE E Green Bay, WI 54304, 02/05/2019 02/14/2019 KCD FINANCIAL, INC. (127473) Non Registered 3061 Allied St Ste B Located At Location Green Bay, WI 54034, 08/06/2018 02/14/2019 CETERA ADVISOR 454424 414 E WALNUT Located At NETWORKS LLC (13572) ST STE 140 GREEN BAY, WI 54301,  Item 3- Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. No information is applicable to this Item. Additional information may be available on FINRA’s website at www.finra.org/brokercheck or at the SEC at www.adviserinfo.sec.gov (CRD #4136487) . Item 4- Other Business Activities Robert Rivera is a registered representative of KCD Financial, Inc., a brokerage firm located at 3061 Allied St. Suite B, Green Bay, WI 54304. From time to time, he will offer clients advice or products from those activities. Client should be aware that these services pay a commission and involve a possible conflict of interest, as commissionable products can conflict with the fiduciary duties of a registered investment adviser. KCD Financial, Inc. as a registered investment advisory firm always acts in the best interest of the client, including the sale of commissionable products to advisory clients through its brokerage divisions. Clients are in no way required to implement the plan through any representative. of KCD Financial, Inc. in their capacity as a registered representative. Robert Rivera is also licensed as an insurance agent and is in the business of selling life and accident and health insurance. Robert Rivera may receive normal commissions through the sale of these insurance products which create a similar potential conflict of interest as in the previous paragraph. Robert does not do this during market hours and for a few hours a month. Item 5- Additional Compensation Other than salary or commissions from his role as a registered representative, Robert Rivera does not receive any economic benefit from any person, company, or organization in exchange for providing client advisory services through KCD Financial, Inc. Item 6 - Supervision David Wilson, Chief Compliance Officer, (phone 920-347-3400) is the supervising principal responsible for supervising Mr. Rivera’s advisory activities on behalf of KCD Financial, Inc. As the CCO, David Wilson may delegate the compliance tasks. Mr. Wilson or his designee shall review and approve all transactions and paperwork for advisory accounts. On a quarterly basis he reviews all advisory fees that will be charged for advisory accounts. He also approves fees for all accounts managed by the representative directly. 

KCD Financial, Inc. Form ADV Part 2B – Individual Disclosure Brochure for Richard Robinson Investment Advisor Representative Guided Financial Advisors 700 S. Rosemary, Suite 204-sm50 West Palm Beach, FL 33401 561-228-1450 KCD Financial, Inc. 3061 Allied Street Suite B Green Bay, WI 54304 920-347-3400 This brochure supplement provides information about Richard Robinson (“Supervised Person”) that supplements the KCD Financial, Inc. Brochure KCD Financial is a registered investment advisor with the US Securities and Exchange Commission and a brokerage firm with FINRA. Registration does not imply certain level of skill or training. You should have received a copy of that Brochure. Please contact our Compliance Department if you did not receive KCD Financial, Inc.’s Brochure or if you have any questions about the contents of this supplement. Additional information about Richard Robinson is available on the SEC’s website at www.adviserinfo.sec.gov.(CRD#7893665) Dated – February 5, 2026  Item 2 – Educational Background and Business Experience Name: Richard Robinson Year of Birth: 2002 Formal Education: BA in Finance Florida Atlantic University – Boca Raton, FL 2008-2012 Business Background: From To Name City State Country Position 03/2024 Present Guided Investment Related Business? Y FL United States Registered Representative Financial Advisors 01/2023 03/2024 MDVIP N FL AP Specialist 6/2022 N West Palm Beach Boca Raton Sarasota FL Associate 12/2022 Crown Capital Management United States United States Item 3 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. No information is applicable to this item. Additional information may be available on FINRA’s website at www.finra.org/brokercheck or at adviserinfo.sec.gov (CRD#7893665).  Item 4 – Other Business Activities Richard Robinson is a registered representative of KCD Financial, Inc., 3061 Allied St. Suite B, Green Bay, WI 54304. From time to time, he will offer clients advice or products from those activities. Client should be aware that these services pay a commission and involve a possible conflict of interest, as commissionable products can conflict with the fiduciary duties of a registered investment adviser. KCD Financial, Inc. always acts in the best interest of the client, including the sale of commissionable products to advisory clients. Clients are in no way required to implement the plan through any representative of KCD Financial, Inc. in their capacity as a registered representative. Richard Robinson is also licensed as an insurance agent and is in the business of selling life and annuity insurance products. Richard Robinson may receive normal commissions through the sale of these insurance products which create a similar potential conflict of interest as in the previous paragraph. Item 5 – Additional Compensation Other than salary or commissions from his role as a registered representative, Richard Robinson does not receive any economic benefit from any person, company, or organization in exchange for providing client advisory services through KCD Financial, Inc. Item 6 – Supervision Robert Rivera, Compliance Officer, (phone 920-347-3400) is the supervising principal, which may be delegated, responsible for supervising Richard Robinson’s advisory activities on behalf of KCD Financial, Inc. His duties include reviewing and approving all transactions and paperwork for advisory accounts. On a quarterly basis he reviews all advisory fees that will be charged for advisory accounts. He also approves fees for all accounts managed by the representative directly. Item 7 – Requirements for State-Registered Advisers Registered investment advisers are required to disclose all material facts regarding any reportable events that would be material to your evaluation of each supervised person providing investment advice. No information is applicable to this item.