Nikulski Financial, Inc.

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Description

Nikulski Financial, Inc. is a fee only Registered Investment Advisory (RIA) firm that emphasizes comprehensive financial planning. Being an RIA means that we are fiduciaries and are legally obligated to keep our clients' best interest at the forefront of all decisions. Unfortunately, that is not the case with all financial advisors. We provide a unique relationship that provides advice tailored to your specific needs and goals. Our investment management philosophy is simple; keep the costs down by utilizing investments that are high quality yet inexpensive. Normally this involves using individual stocks, bonds, options and ETFs as opposed to more expensive and less opaque packaged products like mutual funds. We work closely with other professionals (accountants, attorneys, etc.) to assist in the complexities of financial planning. Nikulski Financial, Inc. is small enough to work with you on a personal level but connected enough to provide the products and services you would expect from a much larger firm.

Many employees receive equity compensation as a supplement to their salaries. This can include incentive stock option and nonqualified stock option plans, restricted stock, and employee stock ownership plans. We provide assistance to help executives manage complex equity compensation packages.

Karrie strives to keep Brian’s focus on his client’s and their needs while she focuses on the background aspect of the business. She is responsible for keeping track of all pending matters, internal accounting, office operations, and assists in providing customer service to clients. As part of the financial planning process, her roles are compiling and analyzing client data, conceptual discussions with the advisor and organizing and preparing reports.

Our written financial plans or financial consultations rendered to clients usually include general recommendations for a course of activity or specific actions to be taken by the clients. For example, recommendations may be made that the clients begin or revise investment programs, create or revise wills or trusts, obtain or revise insurance coverage, commence or alter retirement savings, or establish education or charitable giving programs. It should also be noted that we refer clients to an accountant, attorney or other specialist, as necessary for non-advisory related services. For written financial planning engagements, we provide our clients with a written summary of their financial situation, observations, and recommendations. For financial consulting engagements, we usually do not provide our clients with a written summary of our observations and recommendations as the process is less formal than our planning service. Plans or consultations are typically completed within six (6) months of the client signing a contract with us, assuming that all the information and documents we request from the client are provided to us promptly.

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