Meet The Team

Jackie A. Montoya, RICP®

Founder & PResident | K2 Summit Wealth

Registered Financial AdvisoR

jackie.montoya@osaicwealth.com

Jackie Montoya is the Founder and President of K2 Summit Wealth, where she leads the firm with a commitment to thoughtful planning, disciplined investment strategy, and deeply personal client relationships. Jackie began her career in financial services in 2006, joining the firm originally founded by John M. Kosmicki in 1997. Over nearly two decades, she played an integral role in the firm’s growth and evolution before assuming full ownership and rebranding the firm as K2 Summit Wealth in 2026.

With a strong research foundation and extensive experience in retirement income planning, Jackie helps clients navigate an increasingly complex financial landscape with clarity and confidence. Her approach blends careful analysis with practical guidance, ensuring that every recommendation is tailored to each client’s long-term goals, values, and stage of life.

Jackie holds a bachelor’s degree in business administration with dual emphases in personal and corporate finance from Colorado State University. She earned the Retirement Income Certified Professional® (RICP®) designation through The American College, equipping her with advanced strategies for creating sustainable and tax-efficient retirement income. In addition to her securities registrations, Jackie is licensed in life, health, and long-term care insurance.

Known for her warmth, empathy, and steady leadership, Jackie builds long-term relationships that often span generations. She takes time to understand the full picture of her clients’ lives—financially and personally—allowing her to deliver guidance that is both strategic and deeply aligned with what matters most to them. This relationship-driven philosophy continues the legacy of trust and independence on which the firm was built, while positioning K2 Summit Wealth for the future.

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

John M. Kosmicki, LUTCF, RFC

founder (retired) | kosmicki investment servICEs

John Kosmicki is the founder of Kosmicki Investment Services, which he established in 1997 with a vision of providing independent, client-first financial guidance grounded in integrity, education, and long-term relationships.  After more than four decades in the financial services industry, John retired from active practice, leaving behind a firm built to serve clients for generations. 

Throughout his career, John guided clients through virtually every market environment—from periods of high inflation and economic recession to extended bull markets. As a Registered Financial Consultant (RFC) and Investment Advisor Representative, his steady perspective and real-world experience helped families and business owners navigate uncertainty and build lasting financial security.

John has always believed deeply in the power of education. He earned a bachelor’s degree in finance from the University of Wyoming and pursued advanced professional education through the University of Colorado Graduate School of Banking, the University of Oklahoma Investment School, and The Tax Institute at the University of Nevada. His commitment to lifelong learning helped shape the disciplined, thoughtful approach that became the hallmark of the firm.

While John is now retired, his values and philosophy remain foundational to the firm’s evolution into K2 Summit Wealth. The principles he established—integrity, independence, and personalized service—continue to guide the next generation of leadership and client care.

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.

Anne Whitson

Executive Administrator

Awhitson@osaicwealth.com

Anne joined the firm in August 2023 and brings more than 10 years of experience in client relations, along with over 30 years of professional administrative experience. As Office Administrator at K2 Summit Wealth, she plays a vital role in supporting both clients and the advisory team, ensuring day-to-day operations run smoothly and with exceptional attention to detail.

Anne holds a Bachelor of Science in Business Administration from the University of Montana in Missoula, where she grew up. Known for her keen eye for detail and genuine care for others, she combines organizational expertise with a people-first mindset that helps create a welcoming and efficient office environment.

After spending many years in Arizona and Texas raising her two sons, Anne is thrilled to have returned to the mountains and four seasons she loves. She now lives in Fort Collins, Colorado, with her boyfriend, two hilarious cats, and a very snuggly pug. Outside of the office, Anne serves as an officer on the Northern Colorado Delta Gamma Alumnae Chapter Board, enjoys exploring Northern Colorado, and treasures time spent visiting her adult sons in Arizona whenever possible.

*Not registered with Osaic Wealth, Inc.

Karen J. McMonagle

Office assistant

Karen.Mcmonagle@osaicwealth.com

Karen joined the firm 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.