Would you like a worry free future?

Wouldn't we all? Finally, you can have the future you want without the worry of what tomorrow is going to hold for you financially. K-F Financial is dedicated to helping you achieve all of your future hopes and dreams with ease and comfort.

Todd Kockelman, President and owner of K-F Financial, has over 21 years of financial-planning experience.  


He has taken numerous classes with the American College and has earned the Retirement Income Certified Professional® (RICP) designation.  He received his Bachelor's degree in Finance from St. Cloud State University.  He is FINRA registered in Series 6, 7, 63, and 65.  

Todd has always been very successful in helping people understand where they are in their lives and what they can do to make improvements.  He has received top awards from many companies and currently specializes in growing clients investments, protecting those assets from volatility, and making sure the clients do not outlive their assets.


If you are unsure of what you have, why you need it, or simply need a place to start or a second opinion, call K-F Financial!

We will take all the time necessary to make sure your questions are answered with regards to your money.

Meetings are always at NO CHARGE.

Relevant Reading

Securities and advisory services offered through Packerland Brokerage Services, Inc., an unaffiliated entity.



What Really Matters


  • Do you have mutual funds, annuities, ira's, or company retirement plans?

  • Are you aware of what they are costing you and why you are using them?

  • Have they ever been explained to you in a way that you can understand?

Todd is an active member in the community:  

Todd, his wife Beth, and their children Karissa, Michael, and Kaitlyn make their home in West Lakeland township.  He was born in International Falls and loves everything about the outdoors (hunting, fishing, golf, kid's activities, biking, camping, and more).

Here at K-F Financial we understand that financial planning for your future is scary and uncertain, especially in today's economy. But, rest assured that in our hands we've helped clients with all types of backgrounds successfully and happily retire with their financial hopes and dreams met and, often exceeded. We want to help make that dream become a reality for you and your family too.