• How does Nikulski Financial approach managing client portfolios?

    It all starts with identifying a client’s risk tolerance. We use a software tool called Riskalyze that helps a client identify a level of risk that is appropriate for them and their specific situation. We use the output from Riskalyze to create a portfolio that aligns with a client’s risk tolerance.

  • Is there an overall investment philosophy at Nikulski Financial?

    Yes. We believe the best approach for our client’s portfolios is within a core-satellite investment structure. This means that the majority of a client’s assets are within one of three “core” risk-based model portfolios that we manage: 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.