David J. Kubik is the President of Transform Wealth. David has 20 years of experience in the financial industry and has an extensive level of expertise in the fixed income markets. Leveraging this experience combined with his comprehensive analytical processes, David strategically builds portfolios for clients focused on creating efficient and reliable streams of income while minimizing risk exposure levels. David is a critical member of the investment team and oversees many of the fixed income investment strategies at Transform Wealth. David started his career in Chicago at the Institutional Fixed Income firm of Griffin, Kubik, Stephens, and Thompson. David was also the Vice President an