Our Team

Financial decisions carry with them a lifetime of consequences, so you need a team that can adequately prepare you for just about anything. At Boyd Financial Services, our staff has the essential knowledge and experience to help.

mike_headshotMike Boyd, CFP®, ChFC®, CASL®, CLU®, LUTCF, RICP®
Financial Services Representative

Mike established Boyd Financial Services llc in 2004 and offers more than 19 years of experience in the financial industry.  A CERTIFIED FINANCIAL PLANNER™ practitioner, he wants to look at your entire financial picture.  This includes your goals, desires, fears, investments, taxes and insurances.  His specialties include financial planning, asset management, investing and a strong focus on planning for businesses, estate, retirement, charitable giving and college.

Mike desires to become a lifetime resource and friend to his clients, utilizing his extensive training and knowledge to always act in their best interests.  He is a firm believer in keeping pace with the financial services industry and has obtained several designations including the Chartered Financial Consultant®, Chartered Advisor for Senior Living®, Chartered Life Underwriter®.  He currently holds FINRA Series 24, 6, 7, 63 and 65 securities licenses.  As a member of the Certified Financial Planner Organization and the Financial Services Institute, he keeps up on the issues of the financial world for his clients.

Mike is President of the Board for the nonprofit organization The Fix Is In (offering low cost spay and neutering of pets).  He is also a Board member and coach for The Rhinelander High School Trap team and helps out with a few other community organizations.  Mike and his wife Cheryl have four children: Jessica, Ryan, Rachael and Michaela: and one grandson: Skyler.  His hobbies include scuba diving, travel and shooting trap/sporting clays.

Email Mike.

Jen_headshotJennifer Cordy
Benefit & Health Insurance Advisor

Jennifer has been with Boyd Financial Services since its founding in 2004 and offers clients more than 15 years of insurance and securities experience. Our resident health insurance specialist, she aims to be a trusted advisor, partner, and educator in benefit planning. Jennifer’s focuses include group health insurance plans, exchange health plans, and Medicare health plans.

Group benefits include dental, life, and long-term care insurance; and COBRA and State Continuation Coverage. Jennifer assists employees with insurance issues, covering explanation of benefits, insurance uses, and online access. She also teams with Mike and Dave on investment-related solutions.

Individual coverages include on- and off-exchange plans while bridging the insurance gap to 65 or insuring your family. We can help you apply for subsidy and then pick the best health coverage based on your needs.

Medicare clients can work with Jennifer from selecting their Medicare Advantage Plan, Medicare Supplement, or Prescription Drug Plan. We offer a variety of carriers to help with your needs.

Jennifer graduated from University of Wisconsin – Stevens Point with a bachelor’s degree in business administration, minoring in accounting with an emphasis in human resources. She currently holds FINRA Series 7 and 63 licenses and is licensed to sell life, accident, and health insurance.

Hobbies include camping, winter sports, and spending time with her family. Jennifer, her husband Jason, and their children Ella and Nathan reside in Rhinelander.

Email Jennifer.

Dave_headshotDave Mannikko
Financial Services Representative

Dave joined Boyd Financial Services as a financial services representative in July of 2010 and is committed to providing exceptional service and quality advice to his clients. His many specialties include: advisory accounts, annuities, mutual funds, retirement projections and analysis, disability income insurance, estate conservation and education funding strategies, long-term care insurance, on and off exchange individual and family health insurance, as well as Medicare options.

Dave graduated from University of Wisconsin – Stevens Point with a bachelor’s degree in business administration, minoring in psychology. He currently holds FINRA Series 6, 7, 63, and 65 licenses and is licensed to sell life and health insurance.

Dave married his high school sweetheart, Miriah, on August 23, 2014.  The two welcomed their first child, Scarlett Pearl on March 1st, 2016 and second, Windsor Rose on July 16th, 2018.  Dave is a member of the Rhinelander Athletic Booster Club.  His interests include hunting, fishing, golfing, boating and the Green Bay Packers.

Email Dave.

Shannon_headshotShannon Kowalski
Customer Service Specialist/Operations Associate

Shannon joined Boyd Financial Services in September 2010 and provides more than 10 years of administrative experience. As the firm’s customer service specialist, she strives to make client experiences positive and stress free. Shannon helps facilitate online account access, appointment scheduling, client information changes, distribution requests, death claims, and general questions related to investments and insurance products. She is licensed to sell life, accident, and health insurance.

Shannon resides in Rhinelander with her significant other, Rich and their daughter, Willow. She enjoys a multitude of outdoor activities including traveling, kayaking, camping, rock climbing, power kiting, photography, hiking, biking, skiing, and family adventures.

Email Shannon.


Penny Final APenny Roberts
Health Customer Service Specialist

Penny joined Boyd Financial Services in 2016. Penny is an excellent resource helping clients work through the choices of both individual/family health and Medicare insurances year round.  She is an asset to those both on and off exchange plans as well as offering Medicare Supplement, Advantage and Prescription Drug Plans.  Penny is also serving a valuable role by providing service support to individuals, advisors, and insurance carriers in regards to address changes, billing questions, claims questions, and benefits. She also works with human resources departments on new hire and termination processes and assists employees with medical claim resolutions.

Penny resides in Rhinelander with her husband, William and daughter, Emma.  She is orginally from the Green Bay area and a graduate of  Green Bay West High School. She earned her Life, Accident and Health Insurance License from North Central Technical College in April 2016. She has more than 15 years of experience in the adminstrative health care field.

Penny enjoys spending time with her friends and family. She also enjoys skiing, traveling, gardening, cooking, hiking and art. Penny is a member of Nativity  of Our Lord Parish.

Email Penny.

For more on our duties and who you should contact with specific questions, please visit our Contact Us page.


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