Nikulski Financial, Inc.

Nikulski Financial, Inc. is a fee only Registered Investment Advisory (RIA) firm that emphasizes comprehensive financial planning. 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.

Our Team


Photo of team member

Brian J. Nikulski, CFP®

CERTIFIED FINANCIAL PLANNER™ practitioner, President


Brian Nikulski has been in the business of financial planning since 1996.  He is currently the President and Chief Compliance Officer for Nikulski Financial, Inc; a fee-only Registered Investment Advisory (RIA) firm and full service financial planning company.  Prior to establishing Nikulski Financial, he was a partner in one of the most successful group practices in the country at American Express Financial Advisors; currently Ameriprise Financial, Inc.  He held several securities licenses prior to becoming an RIA.

Brian received his Bachelor of Science degree in Finance and Economics from Northeast Missouri State University (now Truman State University, Kirksville, MO).  He has also received numerous industry awards for outstanding financial planning advice and obtained top production levels within American Express Financial Advisors and the financial services industry.  He earned his CERTIFIED FINANCIAL PLANNER™ (CFP) designation in 2000 and has advanced training in portfolio construction, risk management and estate planning.

Brian maintains industry affiliations with the CFP Board, the Financial Planning Association (FPA), the Fee Only Network, and the National Association of Personal Financial Advisors (NAPFA).  He is a member of the Midwestern Regional Board of the National Association of Personal Financial Advisors (NAPFA) and sits on the Academic Outreach Committee.  

Brian is on the school board of Lourdes Catholic School in Bettendorf, IA which includes representing the school board on the St. John Vianney Catholic Church Parrish Council.  He also sits on the Strategic Planning Committee and assists with other general Board activities. 

Brian is an active member of St. John Vianney Catholic Church  and serves as a Eucharistic Minister. He enjoys spending time with his wife and three children, hunting, shooting, golfing, enjoying the outdoors and cheering on the Green Bay Packers and the New York Yankees.



Photo of team member

Andrew Swanson, MS, CFP®

CERTIFIED FINANCIAL PLANNER™ practitioner, Vice President

Andrew M. Swanson is Vice President and Financial Planner on the Nikulski team. Andrew has earned his CFP® CERTIFIED FINANCIAL PLANNER designation and holds a Series 65 License as an Investment Advisor Representative.  Andrew completed his Master of Science Degree in Personal Financial Planning through the College for Financial Planning located in Centennial, CO in December of 2017. Andrew has received his Certificate in Paraplanner Development through The American College of Financial Services and is an active member of the Financial Planning Association (FPA), as well as the National Association of Personal Financial Advisors (NAPFA) Genesis.

 Andrew is a Quad Cities native, currently residing in Bettendorf. He is a University of Northern Iowa alumnus graduating with Magna Cum Laude honors.  During his tenure at UNI, Andrew was a scholarship member of the University Track & Field and Cross Country teams for four years competing across the U.S.  He was dynamically involved in the Boys and Girls Club, where he helped children strive to excel in school and to pursue the goal of going to college, as well as worked with soldiers in affiliation with the Wounded Warrior Project.  

As part of our fee-only Registered Investment Advisory firm, Andrew provides fee-based asset management and comprehensive financial planning to ensure clients stay on track to achieve their financial goals throughout all phases of life.



Amber J. Netherton, Financial Paraplanner Qualified Professional™

Vice President of Operations

As our Vice President of Operations, one of Amber’s primary responsibilities is to oversee the daily operations of the office.  She also oversees client communications, special projects, maintains data in all software systems, ensures proper processing of applications and related paperwork. 

Amber spent 10 years in the Real Estate industry as a Corporate Relocation Specialist and licensed Managing Broker prior to joining our team. She is an active member of Our Savior Lutheran Church in Bettendorf, IA and enjoys serving as part of the Youth Ministry Team and serving on the PTL at Trinity Lutheran School in Davenport, IA.  She has lived in the Quad Cities area with her husband and daughter since 2003 after relocating from New Paltz, New York. She enjoys spending time with family, reading, travel and cheering on the New York Yankees. 

Amber graduated Magna Cum Laude from the State University of New York at New Paltz in 2003 with a Bachelor of Arts Degree in French Language and Literature.  She received her Financial Paraplanner Qualified Professional™, FPQP® designation through the College for Financial Planning and holds a Series 65 License as an Investment Advisor Representative.