Nikulski Financial Inc.

Nikulski Financial Inc. 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.

Most family wealth doesn't disappear because of bad returns or taxes.It unravels because nobody talked about it.Join us ...
09/01/2026

Most family wealth doesn't disappear because of bad returns or taxes.

It unravels because nobody talked about it.

Join us for the next session in the 2026 Nikulski Learning Series covering Generational Wealth:

📅 Thursday, September 17 | 4:00 PM
🎙️ Presented by Brian J. Nikulski, CFP®

We'll cover the practical foundations most plans get wrong - wills, trusts, beneficiary designations, and how accounts are titled. We will also discuss the tax landscape, including why where you live can matter far more than people expect.

Then we'll get to the part that's harder to put on paper: how to prepare the next generation, when to bring them into the conversation, and what to actually say. We'll close with an open Q&A.

Attend in person at our office (space is limited) or join virtually via Zoom.

https://www.signupgenius.com/go/10C0D4AA4AE2CA7FEC25-65388334-nikulski

Building a secure financial future doesn't require waiting for the "perfect" market conditions or an ideal moment.Taking...
08/28/2026

Building a secure financial future doesn't require waiting for the "perfect" market conditions or an ideal moment.

Taking inventory of your current balance sheet and putting a structured, fiduciary strategy in place today allows your wealth to compound intentionally over time.

MYTH: "Wealth management is only about trying to beat the stock market."FACT: Investment returns are only one component ...
08/26/2026

MYTH: "Wealth management is only about trying to beat the stock market."

FACT: Investment returns are only one component of a complete financial picture.

True wealth management integrates risk control, tax efficiency, cash-flow management, and long-term asset protection. Focusing on the entire balance sheet and not just market benchmarks, creates lasting financial stability.

When changing jobs or retiring, managing a legacy 401(k) is one of the immediate decisions to address.You generally have...
08/24/2026

When changing jobs or retiring, managing a legacy 401(k) is one of the immediate decisions to address.

You generally have four paths:

Leave it: Maintain the account with your former employer (if permitted).

Roll it over: Transfer to an IRA for broader investment choice and tax control.

Move it: Roll it into your new employer's retirement plan.

Liquidate: Cash out (typically subject to immediate taxes and potential early withdrawal penalties).

Each option carries different tax, fee, and investment implications depending on your timeline.

As life changes throughout the year, your financial strategy should evolve with it.Conducting regular reviews of your sa...
08/21/2026

As life changes throughout the year, your financial strategy should evolve with it.

Conducting regular reviews of your savings rates, tax liabilities, and progress toward key milestones ensures there are no surprises when year-end approaches.

Schedule a review with our team to evaluate your current setup.

We help streamline the overall financial complexity in your life. Beyond traditional wealth planning, our team frequentl...
08/20/2026

We help streamline the overall financial complexity in your life. Beyond traditional wealth planning, our team frequently assists clients with major life logistics- like analyzing buy vs. lease options on a new vehicle, connecting with local mortgage specialists, or helping organize important document shredding.

If it impacts your financial baseline or peace of mind, it’s a conversation worth having.

There is no single "right" way to support your kids' future milestones.You can use specialized accounts to lock in tax b...
08/20/2026

There is no single "right" way to support your kids' future milestones.

You can use specialized accounts to lock in tax benefits early, or you can retain 100% control by saving through your own balance sheet and gifting the funds later in life when you decide they’re ready.

Many families actually end up using a combination of both strategies to balance tax efficiency with total control.

Having the right framework in place lets you evaluate the trade-offs of both approaches so you can decide what fits your family's dynamic best.

08/19/2026

We are looking for a Client Service Coordinator in Bettendorf, Iowa. If you thrive in small teams, enjoy managing accounts and preparing for client meetings, and want to contribute to quality wealth management and financial planning, this role is for you.

About the role: You'll coordinate accounts, prepare client meetings, manage custodian relationships, and be a trusted resource for clients. It's both relationship-focused and operations-focused.

Interested? Apply using the link below.
Nikulski Financial - an Equal Opportunity Employer

https://www.indeed.com/viewjob?jk=9c11e9ab4d666bda&from=shareddesktop_copy

The same is true for your finances. It's not one big decision that builds financial security... it's the small, consiste...
08/16/2026

The same is true for your finances. It's not one big decision that builds financial security... it's the small, consistent habits: saving a little each month, checking in on your plan, staying steady when the market gets noisy.

Discipline now is what builds the future you're working toward.

August is National Make-A-Will Month... a good nudge for something a lot of people put off for years.Without one, state ...
08/14/2026

August is National Make-A-Will Month... a good nudge for something a lot of people put off for years.

Without one, state law decides who gets what, who raises your kids, and how your assets are handled, not you.

Time to double-check your plan if:

📝 You've had a major life change- marriage, divorce, new baby, new home
📝 It's been 3-5+ years since your last review
📝 You don't actually have one yet

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

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