Biographies

Mike Hainer is the “H” in H & B Financial Group. Mike is an investment advisor representative with KCD Financial, Inc. and holds the Series 6, 7, 63, 66 and 24 securities registrations, as well as state insurance licenses. Mike specializes in planning distributions from retirement plans (including 403(b) accounts and IRAs), having given numerous seminars and written articles on the topic. Mike is the author of Five Keys to Financial Freedom in Retirement, Business Week Magazine, June 2002, the article Required Minimum Distributions: An Analysis under the Final Regulations and the book, Living Trusts for Everyone: How to

Protect You,Your Family and Your Assets. Mike also works with many business owners to establish pension and profit sharing plans that maximize the benefit to owners and / or key management personnel.

Mike is a member of Endowment Committee of the Evans Scholars Foundation and a Director of the Western Golf Association. He has appeared on WDIV television show "Due Process" to discuss estate planning topics, and is a lifetime member of the National Registry of Who's Who.

Mike graduated Cum Laude from the University of Michigan Law School in 1983, where he served on the Michigan Law Review. He also graduated Magna Cum Laude from University of Michigan in 1978, with High Distinction and Honors in Economics

Mike and Sue, his wife of 29 years, have three daughters. Mike is an avid sports fan who spends most of his leisure time playing golf.

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Doug Burgdorf is the "B" in the H & B Financial Group. Doug is an investment advisor representative and registered representative with KCD Financial, Inc. and holds the Series 6, 7, 63, and 65 securities registrations, as well as state insurance licenses. Doug specializes in planning distributions from retirement plans (including 403(b) accounts and IRAs), having given numerous seminars and written articles on the topic. Doug also works with many small business owners to establish pension and profit sharing plans that maximize the benefit to owners and / or key management personnel.

Doug graduated from University of Michigan as an undergraduate in 1994. Doug received a Masters Degree in Finance from Wayne State University in 2000. Doug went on to receive the academic qualification to sit for the CFP® certification exam at Oakland University where he still serves as a member of their Academic Advisory Board. Doug received the CERTIFIED FINANCIAL PLANNER™ certification in 2004.