Why Choose Nikulski?

 

Fiduciary

We provide advice that is ALWAYS in the best interest of our clients, and if we don’t, we are personally liable. If we’re handing our life savings over to a firm to manage, it’s what we’d want. 

Fee-Only

We don’t sell any products, nor do we collect any commissions. We are only paid by our clients for the advice we give. Yep, it’s that straightforward. 

CFP® Professionals

The CERTIFIED FINANCIAL PLANNER™ designation means training has been completed in 72 areas of financial expertise. We believe this is a minimum standard for what we do. 

 Services

 

Financial Planning

 

Investment Management

 

Small Business Planning

 

Concierge Services

 

Meet the Team 

 

 

 

 

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Your Personal Financial Website

FAQ

  • What is the investment philosophy at Nikulski Financial?

    Our investment philosophy stems from our belief that markets are by and large efficient. When new information comes out, markets very quickly adjust and integrate that information into prices.

    Successful “day trading” in our belief, is not the best way to successful investment management. 

    However, we also believe that a portfolio should contain more than just passive or index-like investments. We believe the best approach for our client's portfolios is within a core-satellite investment structure primarily using exchange-traded funds (ETFs), and when appropriate, individual stocks & bonds. The majority of our 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.  

    We want the core of a client’s portfolio to get exposure to the market, in a cost-efficient manner, yet we also want to take advantage of opportunities beyond the core (satellite) when they present themselves. 

 Our Affiliates

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirement.