Meet The Team

John M. Kosmicki, LUTCF, RFC

founder, partner, & co-owner | Registered Financial Advisor

jkosmicki@osaicwealth.com

John Kosmicki is the founder of Kosmicki Investment Services and a seasoned Financial Advisor with over four decades of experience in the financial services industry. As a Registered Financial Consultant (RFC) and Investment Advisor Representative, John has successfully guided clients through nearly every type of market condition — from inflation and recessions to booming bull markets. His deep, real-world insight has helped generations of clients navigate uncertainty and build long-term financial security with confidence.

John believes strongly in the power of education — both for his clients and himself. He earned a bachelor’s degree in Finance from the University of Wyoming and has continued his professional education at prestigious institutions, including the University of Colorado Graduate School of Banking, the University of Oklahoma Investment School, and The Tax Institute at the University of Nevada. His lifelong commitment to learning keeps him at the forefront of financial strategy and evolving industry trends.

Known for his steady perspective and client-first philosophy, John takes pride in building trusted relationships that span years — and often generations. His thoughtful, disciplined approach to wealth management continues to shape the firm’s legacy of integrity, independence, and personalized service.

When he’s not working with clients, John enjoys relaxing on the golf course, wing shooting, or cheering on the Wyoming Cowboys. He and his wife, Susan, are proud parents of four and grandparents to four.

Jackie A. Montoya, RICP®

Partner & Co-Owner | Registered Financial AdvisoR

jackie.montoya@osaicwealth.com

Jackie Montoya joined Kosmicki Investment Services in 2006 and became a partner and co-owner of the firm through her years of dedicated service and leadership. As a Registered Financial Advisor with a strong research background, Jackie plays a critical role in helping clients navigate a constantly evolving financial landscape. Her expertise in investment alternatives and retirement income planning ensures that every recommendation is grounded in thoughtful analysis and tailored to each client's goals.

Jackie holds a Bachelor’s degree in Business Administration with dual emphases in Personal and Corporate Finance from Colorado State University. She also earned the Retirement Income Certified Professional® (RICP®) designation from The American College, equipping her with advanced strategies for helping clients create sustainable income throughout retirement. In addition to her securities licenses, she is licensed in life, health, and long-term care insurance.

Jackie is widely known for her warmth, empathy, and genuine care for the people she serves. She takes the time to truly understand her clients — often building relationships with entire families — which allows her to provide guidance that aligns with both their financial needs and personal values. Her proactive, relationship-centered approach has helped define the firm’s reputation for trust and personalized service.

Outside the office, Jackie is an avid sports fan who enjoys playing and coaching basketball. She and her husband, Mike, love spending time outdoors with their three children and traveling across the U.S. and abroad whenever they can.

Anne Whitson

Executive Administrator

Awhitson@osaicwealth.com

Anne joined Kosmicki Investment Services in August 2023 as an Executive Administrator.  She has over 10 years of experience in client relations and over 30 years practice in professional administration.  Anne's education includes a Bachelor of Science in Business Administration from the University of Montana in Missoula, where she grew up.  She has a keen eye for detail and a heart for people - a great combination for our office!

While Anne has spent her adult life with her two sons in the heat of Arizona and Texas, she is very happy to have returned to the mountains and the four seasons, and now lives in Fort Collins, CO with her boyfriend, two hilarious cats, and a very snuggly pug. She enjoys spending her free time as an officer on the Northern Colorado Delta Gamma Alumnae chapter board, exploring northern Colorado, and catching up with her adult sons in Arizona whenever she gets the opportunity. 

*Not registered with Osaic Wealth, Inc.

Karen J. McMonagle

Office assistant

Karen.Mcmonagle@osaicwealth.com

Karen joined Kosmicki Investment Services in 2017. She has assumed the essential duties of documentation management and client communications. Karen has considerable experience in office efficiencies and has received several awards from previous employers including "Employee of the Year". Karen's cheerful and charismatic personality is a perfect fit for the team.

Karen currently resides in Windsor, Colorado with her husband and enjoys spending free time with her grandchildren, golfing and traveling.

*Not registered with Osaic Wealth, Inc.