Transparent
and
Trustworthy
That's What We Pride Ourselves on at
Nikulski Financial, Inc.
As Certified Financial Planners (CFP® professionals), we have made a commitment to always act in your best interests.
We are comprehensive financial planners who focus on the key areas of personal finance. At the core of our relationship, we focus on creating a customized financial plan based on your unique purpose, passion, and joy to help you achieve your goals.
In addition, YOU are someone who pursues YOUR passions, purpose, and joys, so we create customized plans for YOU to achieve these.
Services
Financial Planning
Our Financial Planning Team helps clients build comprehensive financial plans using advanced software and technology, while also coordinating with attorneys and tax advisors for annual planning and estate settlements.
Investment Committee
Our Investment Committee oversees daily portfolio operations, including trading, market research, data analysis, risk monitoring, reporting, and fund transfers.
Client Service Team
Our Client Service Team focuses on onboarding new clients, supporting existing client relationships, preparing for meetings, managing account maintenance, and ensuring all client requests are handled accurately and efficiently.
FAQs
Nikulski Financial has been independently owned and operated since 2009. We answer only to our clients and our professional reputation. Our business has deep ties to the Quad Cities community. Through our commitment to service and philanthropic outreach, Nikulski Financial has built trusted ties with families, local businesses, and institutions.
We offer comprehensive and personalized financial planning incorporating cash management, risk management, investment management, tax planning, retirement planning, and estate planning. We maintain trusted relationships with local attorneys, accountants, insurance providers, and real estate professionals to guide clients through their most impactful financial decisions.
We build lasting and meaningful relationships. We will not sacrifice our quality of service for a greater volume of business.
We believe the best approach for our client’s portfolios is within a core-satellite investment structure. This means that the majority of a client’s assets are within one of three “core” risk-based portfolios: Moderately Conservative, Moderate, and Moderately Aggressive.
The remainder of a client’s portfolio is then invested among “satellite” holdings, where we look to assume a tactical strategy to take advantage of opportunities within the market.
Our Investment Strategy is risk-based and incorporates clients’ risk tolerance, income needs, and financial goals primarily using individual stocks, bonds, and exchange-traded funds (ETFs). We do not generally utilize mutual funds.
When providing financial advice, a CFP® professional must act as a fiduciary. The following duties must be fulfilled: Duty of Loyalty, Duty of Care, and Duty to Follow Client Instructions.
Additional details can be found by clicking here.
Currently, there is no minimum amount required to work with our team. However, we provide the greatest value when we focus on client situations that require our expertise. If you are looking for a team to just manage your portfolio and nothing else, then we’re probably not the best firm for you.
