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  <xsd:element abstract="true" id="kfs_LondonInterbankOfferedRateMember" name="LondonInterbankOfferedRateMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_MLCPlumbingLLCMember" name="MLCPlumbingLLCMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_MaintenanceSupportServiceFeesMember" name="MaintenanceSupportServiceFeesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_MeasurementInputAttritionRateMember" name="MeasurementInputAttritionRateMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_MeasurementInputRoyaltyRateMember" name="MeasurementInputRoyaltyRateMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_MedicalEquipmentMember" name="MedicalEquipmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_MultiperiodExcessEarningsMember" name="MultiperiodExcessEarningsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_NetLeaseMember" name="NetLeaseMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_NonRealEstateInvestmentMember" name="NonRealEstateInvestmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_NonconsolidatedViesMember" name="NonconsolidatedViesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_NoncontrollingInterestIncreaseDecreaseFromDeconsolidation" name="NoncontrollingInterestIncreaseDecreaseFromDeconsolidation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_NotesPayableMember" name="NotesPayableMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_NursingServiceLLCMember" name="NursingServiceLLCMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_OperatingLossCarryforwardsSubjectToExpiration" name="OperatingLossCarryforwardsSubjectToExpiration" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="kfs_OtherComprehensiveIncomeLossNetOfTaxIncludingNciAdjustment" name="OtherComprehensiveIncomeLossNetOfTaxIncludingNciAdjustment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_OtherInvestmentAllowanceForCreditLoss" name="OtherInvestmentAllowanceForCreditLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_OtherReceivablesMember" name="OtherReceivablesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_OtherReportingUnitsMember" name="OtherReportingUnitsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_PWIHoldingsMember" name="PWIHoldingsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_PWSCMember" name="PWSCMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_PaymentsForCapitalContributionToSubsidiary" name="PaymentsForCapitalContributionToSubsidiary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_PaymentsForProceedsFromLimitedLiabilityInvestmentsAtFairValue" name="PaymentsForProceedsFromLimitedLiabilityInvestmentsAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_PaymentsForProceedsFromPropertyPlantAndEquipment" name="PaymentsForProceedsFromPropertyPlantAndEquipment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_PaymentsToAcquireInterestInSubsidiariesAndAffiliatesFinancingActivities" name="PaymentsToAcquireInterestInSubsidiariesAndAffiliatesFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_PaymentsToHoldersOfTrustPreferredDebtRepurchaseOption" name="PaymentsToHoldersOfTrustPreferredDebtRepurchaseOption" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_PennMemberMember" name="PennMemberMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_PercentOfSubscriptionPricePaidForConvertibleShares" name="PercentOfSubscriptionPricePaidForConvertibleShares" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="kfs_PreferredSharesConversionPercentageOfSharesAvailableToConvert" name="PreferredSharesConversionPercentageOfSharesAvailableToConvert" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_PreferredStockConvertedIntoCommonStockMember" name="PreferredStockConvertedIntoCommonStockMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_PreferredStockDividendRateIfDividendsUnpaidForMoreThanTwoConsecutiveQuartersPercentage" name="PreferredStockDividendRateIfDividendsUnpaidForMoreThanTwoConsecutiveQuartersPercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_PreferredStockDividendRatePercentageIfNotPaidInTwoQuarters" name="PreferredStockDividendRatePercentageIfNotPaidInTwoQuarters" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_PreferredStockRedemptionOptionPercentageOfSharesIssued" name="PreferredStockRedemptionOptionPercentageOfSharesIssued" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="kfs_PreferredStockRedemptionPriceInternalRateOfReturnOnTheSubscriptionPricePaidForPurchaseOfPreferredStocks" name="PreferredStockRedemptionPriceInternalRateOfReturnOnTheSubscriptionPricePaidForPurchaseOfPreferredStocks" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_PrivateCompanyInvestmentsMember" name="PrivateCompanyInvestmentsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_PrivateCompanyMember" name="PrivateCompanyMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_ProceedsFromPaymentsForSaleAndMaturityOfOtherInvestments" name="ProceedsFromPaymentsForSaleAndMaturityOfOtherInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_PurchaseOfSubordinatedLongTermDebt" name="PurchaseOfSubordinatedLongTermDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_PurchasePricePercentageOfOutstandingPrincipalAndDeferredInterset" name="PurchasePricePercentageOfOutstandingPrincipalAndDeferredInterset" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_RavixBankLoan2025Member" name="RavixBankLoan2025Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RavixBankLoanMember" name="RavixBankLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RavixFinancialIncMember" name="RavixFinancialIncMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RavixMember" name="RavixMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RavixRevolverMember" name="RavixRevolverMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RavixRua2021Member" name="RavixRua2021Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_RealizedInvestmentGains" name="RealizedInvestmentGains" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_RealizedInvestmentGainsAndLosses" name="RealizedInvestmentGainsAndLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RealizedInvestmentGainsLossesMember" name="RealizedInvestmentGainsLossesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_RealizedInvestmentLosses" name="RealizedInvestmentLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNoncontrollingInterestNetOfTax" name="ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNoncontrollingInterestNetOfTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RedeemableClassAPreferredStockMember" name="RedeemableClassAPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RedeemableClassBPreferredStockMember" name="RedeemableClassBPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_RedemptionOfPreferredStockAssetsSaleAsPercentageOfConsolidatedRevenueThreshold" name="RedemptionOfPreferredStockAssetsSaleAsPercentageOfConsolidatedRevenueThreshold" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ReliefFromRoyaltyMember" name="ReliefFromRoyaltyMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RestrictedCommonUnitAwardsMember" name="RestrictedCommonUnitAwardsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SPIRUAMember" name="SPIRUAMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_SaleOfAssetsRepresentingACertainValueOfConsolidatedReveuePercentage" name="SaleOfAssetsRepresentingACertainValueOfConsolidatedReveuePercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_SecondAmendmentToKwhLoanMember" name="SecondAmendmentToKwhLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ServiceFeesMember" name="ServiceFeesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ShareRepurchaseProgramMember" name="ShareRepurchaseProgramMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsCancelledInPeriod" name="SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsCancelledInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsCancelledWeightedAverageGrantDateFairValue" name="SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsCancelledWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType" xbrli:periodType="instant"/>
  <xsd:element id="kfs_ShortTermInvestmentsFairValueDisclosure" name="ShortTermInvestmentsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_SnsAndDdiMember" name="SnsAndDdiMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SnsRevolverMember" name="SnsRevolverMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SnsRuaMember" name="SnsRuaMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SnsTermLoanMember" name="SnsTermLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SoftwareLicenseAndSupportFeesMember" name="SoftwareLicenseAndSupportFeesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_StateAndProvincialRegulatoryAuthoritiesMember" name="StateAndProvincialRegulatoryAuthoritiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_StockIssuedDuringPeriodSharesExerciseOfWarrants" name="StockIssuedDuringPeriodSharesExerciseOfWarrants" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_StockIssuedDuringPeriodValueExerciseOfWarrants" name="StockIssuedDuringPeriodValueExerciseOfWarrants" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SystemsProductsInternationalIncSPIAndDigitalDiagnosticsImagingIncDDIMember" name="SystemsProductsInternationalIncSPIAndDigitalDiagnosticsImagingIncDDIMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SystemsProductsInternationalIncspiMember" name="SystemsProductsInternationalIncspiMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_TermLoanMember" name="TermLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_The2020EquityIncentivePlanMember" name="The2020EquityIncentivePlanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_The2020KWHBankLoanMember" name="The2020KWHBankLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_The2022RavixLoanMember" name="The2022RavixLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_The2024KWHBankLoanMember" name="The2024KWHBankLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_The2024KWHDDTLlMember" name="The2024KWHDDTLlMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_TheSNSLoanMember" name="TheSNSLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ThirdPartiesMember" name="ThirdPartiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_TrinityMember" name="TrinityMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_TrustPreferredDebtRepurchaseAugustOptionsMember" name="TrustPreferredDebtRepurchaseAugustOptionsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_TrustPreferredDebtRepurchaseOptionThreshold" name="TrustPreferredDebtRepurchaseOptionThreshold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_TrustPreferredDebtRepurchaseOptionsContractsMember" name="TrustPreferredDebtRepurchaseOptionsContractsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_TrustPreferredDebtRepurchaseOptionsMaximumPercentOfPrincipalAndDeferredInterest" name="TrustPreferredDebtRepurchaseOptionsMaximumPercentOfPrincipalAndDeferredInterest" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="kfs_TrustPreferredDebtRepurchaseOptionsMinimumRepurchasePercentage" name="TrustPreferredDebtRepurchaseOptionsMinimumRepurchasePercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_TrustPreferredDebtRepurchaseSeptember20OptionsMember" name="TrustPreferredDebtRepurchaseSeptember20OptionsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_TrustPreferredDebtRepurchaseSeptember26OptionsMember" name="TrustPreferredDebtRepurchaseSeptember26OptionsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_VALafayetteMember" name="VALafayetteMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ValuationMultiplesMember" name="ValuationMultiplesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_VariableInterestEntityNonconsolidatedCarryingAmountPercentOfTotal" name="VariableInterestEntityNonconsolidatedCarryingAmountPercentOfTotal" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_VehicleServiceAgreementFeesMember" name="VehicleServiceAgreementFeesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_WarrantsToPurchaseCommonStockMember" name="WarrantsToPurchaseCommonStockMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_WarrantyProductCommissionsMember" name="WarrantyProductCommissionsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-10-property-and-equipment-property-and-equipment-details" name="statement-statement-note-10-property-and-equipment-property-and-equipment-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-10-property-and-equipment-tables" name="statement-statement-note-10-property-and-equipment-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-12-debt-component-of-debt-details" name="statement-statement-note-12-debt-component-of-debt-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-12-debt-schedule-of-debt-maturities-details" name="statement-statement-note-12-debt-schedule-of-debt-maturities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-12-debt-subordinated-borrowings-details" name="statement-statement-note-12-debt-subordinated-borrowings-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-12-debt-tables" name="statement-statement-note-12-debt-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-13-leases-annual-maturities-of-lease-liabilities-details" name="statement-statement-note-13-leases-annual-maturities-of-lease-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="kfs_statement-statement-note-13-leases-tables" name="statement-statement-note-13-leases-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="kfs_statement-statement-note-21-accumulated-other-comprehensive-loss-components-of-accumulated-other-comprehensive-loss-income-details" name="statement-statement-note-21-accumulated-other-comprehensive-loss-components-of-accumulated-other-comprehensive-loss-income-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-21-accumulated-other-comprehensive-loss-schedule-of-accumulated-other-comprehensive-loss-income-details" name="statement-statement-note-21-accumulated-other-comprehensive-loss-schedule-of-accumulated-other-comprehensive-loss-income-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-21-accumulated-other-comprehensive-loss-tables" name="statement-statement-note-21-accumulated-other-comprehensive-loss-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-22-segmented-information-reconciliation-of-operating-profit-loss-details" name="statement-statement-note-22-segmented-information-reconciliation-of-operating-profit-loss-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="kfs_statement-statement-note-22-segmented-information-tables" name="statement-statement-note-22-segmented-information-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-23-fair-value-of-financial-instruments-assets-and-liabilities-measured-at-fair-value-details" name="statement-statement-note-23-fair-value-of-financial-instruments-assets-and-liabilities-measured-at-fair-value-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-23-fair-value-of-financial-instruments-fair-value-measurement-inputs-and-valuation-techniques-details" name="statement-statement-note-23-fair-value-of-financial-instruments-fair-value-measurement-inputs-and-valuation-techniques-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-23-fair-value-of-financial-instruments-fair-values-for-level-3-measurements-details" name="statement-statement-note-23-fair-value-of-financial-instruments-fair-values-for-level-3-measurements-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-23-fair-value-of-financial-instruments-reconciliation-of-the-fair-value-details" name="statement-statement-note-23-fair-value-of-financial-instruments-reconciliation-of-the-fair-value-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-23-fair-value-of-financial-instruments-tables" name="statement-statement-note-23-fair-value-of-financial-instruments-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-4-acquisitions-assets-acquired-and-liabilities-assumed-details" name="statement-statement-note-4-acquisitions-assets-acquired-and-liabilities-assumed-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-4-acquisitions-proforma-information-details" name="statement-statement-note-4-acquisitions-proforma-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-4-acquisitions-tables" name="statement-statement-note-4-acquisitions-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-5-disposal-and-discontinued-operations-financial-information-from-discontinued-operations-details" name="statement-statement-note-5-disposal-and-discontinued-operations-financial-information-from-discontinued-operations-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-5-disposal-and-discontinued-operations-tables" name="statement-statement-note-5-disposal-and-discontinued-operations-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-6-variable-interest-entities-schedule-of-variable-interest-entities-details" name="statement-statement-note-6-variable-interest-entities-schedule-of-variable-interest-entities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-6-variable-interest-entities-tables" name="statement-statement-note-6-variable-interest-entities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-7-investments-amortized-cost-gross-unrealized-gains-and-losses-and-estimated-fair-value-details" name="statement-statement-note-7-investments-amortized-cost-gross-unrealized-gains-and-losses-and-estimated-fair-value-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-7-investments-fixed-maturities-by-contractual-maturity-periods-details" name="statement-statement-note-7-investments-fixed-maturities-by-contractual-maturity-periods-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-7-investments-gross-realized-gains-and-losses-on-availableforsale-investments-limited-liability-investment-details" name="statement-statement-note-7-investments-gross-realized-gains-and-losses-on-availableforsale-investments-limited-liability-investment-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-7-investments-loss-on-change-in-fair-value-of-equity-investments-details" name="statement-statement-note-7-investments-loss-on-change-in-fair-value-of-equity-investments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-7-investments-net-investment-income-details" name="statement-statement-note-7-investments-net-investment-income-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-7-investments-tables" name="statement-statement-note-7-investments-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-7-investments-unrealized-loss-position-details" name="statement-statement-note-7-investments-unrealized-loss-position-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-8-goodwill-intangible-assets-goodwill-and-other-details" name="statement-statement-note-8-goodwill-intangible-assets-goodwill-and-other-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-8-goodwill-tables" name="statement-statement-note-8-goodwill-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-9-intangible-assets-intangible-assets-details" name="statement-statement-note-9-intangible-assets-intangible-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-9-intangible-assets-schedule-of-intangible-assets-acquired-details" name="statement-statement-note-9-intangible-assets-schedule-of-intangible-assets-acquired-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="kfs_statement-statement-schedule-i-condensed-financial-information-of-the-registrant-parent-company-parent-company-balance-sheets-details" name="statement-statement-schedule-i-condensed-financial-information-of-the-registrant-parent-company-parent-company-balance-sheets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-schedule-i-condensed-financial-information-of-the-registrant-parent-company-parent-company-statements-of-cash-flows-details" name="statement-statement-schedule-i-condensed-financial-information-of-the-registrant-parent-company-parent-company-statements-of-cash-flows-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-schedule-i-condensed-financial-information-of-the-registrant-parent-company-parent-company-statements-of-comprehensive-loss-details" name="statement-statement-schedule-i-condensed-financial-information-of-the-registrant-parent-company-parent-company-statements-of-comprehensive-loss-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-schedule-i-condensed-financial-information-of-the-registrant-parent-company-parent-company-statements-of-operations-details" name="statement-statement-schedule-i-condensed-financial-information-of-the-registrant-parent-company-parent-company-statements-of-operations-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-schedule-i-condensed-financial-information-of-the-registrant-parent-company-tables" name="statement-statement-schedule-i-condensed-financial-information-of-the-registrant-parent-company-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-significant-accounting-policies-policies" name="statement-statement-significant-accounting-policies-policies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
