KCD Financial, Inc., offers a wide range of mutual fund, variable annuity, variable life insurance, Direct Participation Programs (“DPPs”), Real Estate Investment Trusts (“REITS”), equities, fixed income and third party money management services through both our clearing firm, Hilltop Securities and through direct selling agreements with the sponsoring companies. The purpose of the disclosure document is to provide information regarding the costs associated with investing in these products, how the representative is compensated when clients purchase these products and how KCD Financial, Inc. is compensated by the sponsor companies.

KCD Financial, Inc. holds the fundamental belief that each investor with the guidance of their representatives has the right to choose the investments that provide the greatest chance of achieving their financial goals. As such, we do not offer proprietary products and do not maintain a list of preferred investment companies. We do, however, have the responsibility to disclose fees and potential conflicts of interest in order for the client to make an informed decision before investing in certain products. Therefore, a description of customary sales charges, compensation and additional support associated with these investments is available upon request. Your request may be directed to:

KCD Financial, Inc.
Attn: Chief Compliance Officer
3061 Allied St, Suite B
Green Bay, WI 54304
920-347-3400
Member FINRA/SIPC