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 adhere to our firm’s Dynamic Allocation Strategy, which is a tactical asset management strategy primarily using exchange traded funds (ETFs), and when appropriate, individual stocks & bonds. 

Another way to think about how we approach investment management is through the core-satellite model. 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.