What are the opening hours?

Monday 8am - 5:30pm Tuesday 8am - 5:30pm Wednesday 8am - 5:30pm Thursday 8am - 5:30pm Friday 8am - 3pm

Nikulski Financial Inc.

Name: Nikulski Financial Inc.
Address: 4275 Ontario Drive, Bettendorf, IA, 52722, US
Telephone: +15633440118
Price range: $$

Home
United States
Bettendorf, IA
Nikulski Financial Inc.

Call Directions Website Contact the business

Nikulski Financial, Inc. is a fee only Registered Investment Advisory (RIA) firm.

Being an RIA means that we have a fiduciary duty to keep our clients' best interests at the forefront of all decisions. We believe this is accomplished through the values-based relationships we build with our clients. The level of personalized service we provide is the engine that drives us to achieve excellence in our industry.

10/16/2026

Our Client Service team spent time this week at the Women Lead Change Leadership Conference in Des Moines! ✨

From inspiring speakers to opportunities for personal growth and meaningful connections, it was a great day of learning and development.

We’re proud of our team for continuing to invest in themselves, grow as leaders, and find new ways to make a difference! 👏

10/14/2026

It's that time of year again: pumpkin spice, falling leaves, and… open enrollment! 🍂📋

I know, not the most exciting part of fall. But a quick check now can save you some headaches (and possibly money) later.

On Medicare? Open Enrollment runs Oct 15 to Dec 7. Plans change every year, so make sure your meds are still covered, and your favorite doctors are still in network.

Covered through work? Before you hit "keep everything the same," take a quick look at:

✔️ Your health plan. If you’re considering a high-deductible health plan, is pairing it with an HSA a better fit for you?

✔️ Life and disability coverage, especially if your family has grown.

✔️ Your retirement contributions. Getting your full available employer match = free money! 💰

These choices affect your taxes, savings, and budget for next year, so they're worth a few minutes.

10/13/2026

🎉 Get to know some of our newer faces here at Nikulski Financial, Inc!

Talen Butler and Joel Lawlor recently celebrated their first 90 days with us, and we’re excited for you to get to know them!

Join us in welcoming Talen and Joel to the Nikulski team! 👏

10/06/2026

October is Financial Planning Month!

It's a good reason to ask a simple question: When was the last time you looked at your whole financial picture?

Not just your investment accounts, but everything together. Your income, taxes, health care, beneficiaries, and what you want the next chapter to look like.

Plans are made at one point in time, but life keeps moving. Here are a few questions worth asking this month:

✔️ Has anything changed this year? A retirement, a move, a new grandchild, a health change, or a loss in the family.

✔️ Are your beneficiary designations still up to date?

✔️ Do you know your year-end deadlines for distributions, conversions, and charitable gifts?

✔️ Does your family know where your important documents are?

Making changes to your financial plan can have tax implications, affect your cash flow, and may involve costs. But addressing gaps now can help protect your family and align your plan with your current situation.

If any of those gave you pause, that's normal. Ready for a financial review? Let's talk.

10/03/2026

Fall has officially arrived at Nikulski Financial, Inc. 🍂

We asked the team: What's your favorite fall traditions?

Here's what they said:

- Pride of the Wapsi Pumpkin Patch
- Stone's Apple Barn
- Sunday Football (specifically the Bears, Packers, Chiefs, and Vikings)
- Iowa Football
- Bonfires in the backyard
- Fresh pot of Chili
- Halloween
- Hunting

What's yours? Tell us in the comments.🍁

09/29/2026

The third quarter wraps up tomorrow, and year-end will be here before you know it.

Nearly every planning move left for 2026 must be done by December 31. But waiting until December is risky. It's the busiest time of year for everyone, even the custodians, and a small delay can mean a missed deadline.

Here's what's worth handling in October:

📌 Required Minimum Distributions. The IRS deadline is December 31, but many custodians set earlier cutoffs, often around mid-December. Don’t delay!

📌 Tax-Smart Giving. If you're 70½ or older, you can give to charity straight from your IRA using a Qualified Charitable Distribution. Other options include donating appreciated stock or opening a donor-advised fund. Each has tax advantages.

📌 Roth Conversions. These must be completed by December 31. Your ideal amount depends on your tax bracket, which comes into focus as the year goes on. That makes October and November the best time to decide.

📌 Maximize Tax-Advantaged Savings. Review contributions to HSA, College Savings (529), dependent care FSA and other tax-advantaged accounts to max out limits before year end.

📌 Open Enrollment Season. Open Enrollment hits in October for many health care policies; either employer group plans or Medicare. Verify your deadlines and that your coverage still fits your needs.

Once January 1 arrives, most of these opportunities close for 2026. It’s easier to plan now than deal with it in tax season.

Have questions? Reach out to our team today.

09/22/2026

Myth: Once you retire, the financial planning is done.

Actually: Retirement is where the decisions get harder, not easier.

While you're working, most of it comes down to one question - are you saving enough? There's a single lever and a long time horizon.

In retirement you're managing several at once. Which account to draw from first, and what that does to your tax bracket. When to claim Social Security. Whether a Roth conversion makes sense this year. How much cash to hold. What Medicare costs based on income from two years ago. What happens to the plan when one spouse outlives the other.

None of those have a default answer. And unlike the saving years, there's less time to correct a wrong turn.

The plan doesn't end at retirement. It changes jobs.

09/18/2026

We are putting the new patio to work - team lunch, grill going, everyone outside on a good afternoon.

We spend a lot of time here talking about numbers. What we care about just as much: that when you call, you know who's answering.

Happy Friday from all of us!

09/15/2026

School's back in session, which makes this a good moment for a question we hear from parents and grandparents alike: what's worth knowing about saving for a child's education?

A few things about 529 plans:

Whoever opens the account generally controls it. The account owner - parent, grandparent, or another adult - typically decides when and how funds are distributed, and can change the beneficiary to another qualifying family member if plans change.

Ownership affects financial aid differently. A parent-owned 529 is reported as a parental asset on the FAFSA, which is assessed at a lower rate than assets held in the student's name. Accounts owned by a grandparent or other relative aren't reported as an asset at all, and under the simplified FAFSA, distributions from them no longer count as untaxed student income. Aid formulas are set by federal rules and can change.

You don't have to open an account to contribute. Many state plans let families share a contribution link, which can be a practical answer to "what do you want for your birthday?"

There are gift tax provisions specific to 529s that allow contributions covering several years to be treated as made over a five-year period. The rules are detailed, and we'd encourage reviewing them with a qualified tax professional before acting.

If the beneficiary doesn't attend college, the account can generally be transferred to another qualifying family member. Current rules also permit rolling a limited amount into the beneficiary's Roth IRA, subject to account-age, contribution-timing, annual and lifetime limits, and other conditions.

Starting later still has value. Whether the child is two or twelve, funds set aside can reduce the amount a family needs to borrow.

Have questions? This is a great topic for your next meeting with your advisor.

09/11/2026

Twenty-five years ago this morning, an ordinary Tuesday became something none of us would forget.

We remember the nearly 3,000 lives lost. The firefighters and police officers who climbed the stairs while everyone else came down. The passengers on Flight 93 who decided what to do with the time they had. And the families who have marked this date every September since.

We will never forget.

Address

4275 Ontario Drive
Bettendorf, IA
52722

Opening Hours

Monday	8am - 5:30pm
Tuesday	8am - 5:30pm
Wednesday	8am - 5:30pm
Thursday	8am - 5:30pm
Friday	8am - 3pm

Telephone

+15633440118

Website

https://www.nikulskifinancial.com/

Alerts

Be the first to know and let us send you an email when Nikulski Financial Inc. posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Nikulski Financial Inc.:

Want your business to be the top-listed business in Bettendorf?