Kayla O’Neal, CTFA, CFP^®, CFIRS^®

Kayla is a Director of Trust Services at FNN Trust Company in Sioux Falls and Mitchell South Dakota serving individuals, businesses, and foundations.

CREDENTIALS

Kayla earned her Master of Business Administration from the University of South Dakota and her Bachelor’s degree in Business Management from University of South Dakota Beacom School of Business.

Kayla is a Certified Trust and Fiduciary Advisor (CTFA), Certified Financial Planner (CFP®) and a Certified Fiduciary & Investment Risk Specialists (CFIRS®). She’s also an active member of the Sioux Falls Estate Planning Council.

Kayla has banking experience dating back to 2014 and trust and estate services experience dating back to 2017. Throughout her career, she has built expertise in estate planning, working closely with clients to implement personalized plans that meet their unique needs. Her experience spans administration of diverse trust structures—from dynasty and directed trusts to charitable vehicles— including both domestic and international arrangements. Kayla excels at building collaborative relationships with clients’ broader advisory teams, seamlessly coordinating with legal counsel, tax specialists, investment professionals, family offices, and other key advisors to deliver comprehensive solutions.

PASSIONS

Having grown up in the Sioux Falls area, Kayla maintains strong connections to the local community. She's passionate about the great outdoors, frequently spending her free time hiking, backpacking, camping, and rock climbing across the region's natural landscapes. When not at work, Kayla cherishes time with her husband Tyler, their daughter Hazel, and their pampered shih tzu, Nolan. Her commitment to community service shows through her decade-long involvement with Junior Achievement, where she volunteers in local classrooms, and in her role as treasurer for a local climbing nonprofit organization.

Locations

210 N. Lawler
Mitchell, SD 57301

332 Broadway
Yankton, SD 57078