Nikulski Financial Inc.

06/21/2026

📣DEADLINE APPROACHING

Don’t miss the June 30th deadline to apply for ESA funds. This is a hard deadline set by the state; we do not want you to miss out on the opportunity.

Please don't hesitate to reach out to us with any questions. We would be happy to help you walk through this process.

[email protected] (563) 326.2667 ext. 2223
[email protected] (563) 326.2667 ext. 2269

06/21/2026

✨ Disconnect from the world and reconnect with loved ones on a Celebrity Cruise getaway! With amazing savings, there’s no better time to book. Secure the perfect sailing and stateroom now—don’t wait! ⛴️

How would you like to spend your time onboard? Reach out today and let’s get started.

Raise The Bar Travel Group
(314) 920-0320
[email protected]
http://www.rtbtravel.com

06/21/2026

The greatest investments don't come with a ticker symbol... they’re the time, patience, and love poured into our families. Today, we want to thank all the fathers and father figures who work tirelessly to build a secure future for the next generation. Happy Father’s Day!

06/18/2026

New episode! Calling all millennials... if you've ever stared at a 401k rollover form, received RSUs at work, wondered whether you can afford to upsize the house, or tried to figure out how to save for college AND retirement at the same time; this episode is for you. Listen now on Apple, Spotify, or our website.

06/18/2026

Incredible work by Boyler's. You completely transformed the space, and it’s the perfect addition for our team and upcoming events. Thank you again!

06/14/2026

06/14/2026

Here at Nikulski Financial, Inc., we prefer to use equity & fixed-income exchange-traded funds (“ETFs”), individual stocks, and individual bonds. These types of investments are liquid (you can sell them whenever the market is open), low-cost, tax-efficient, and widely available which allows us to work with clients of all levels of risk and establish an efficient portfolio.

06/12/2026

Always one of our favorite days of the year! Beautiful weather to be out here sponsoring and playing in the Danny Joe Memorial Golf Tournament... proud to support a great event with a great group of people.

06/09/2026

There aren't many places in the financial market where you can get an immediate 100% return on your money, but taking full advantage of your employer match is one of them.

Once that match is secured, the next critical question to ask is: When do you actually need to access this money? Your timeline dictates your structure:

For Long-Term Growth (No short-term cash needs): Maximize your tax-advantaged opportunities. This is where we look at maxing out your employer plan or utilizing Roth IRAs to let your money compound tax-efficiently for the long run.

For Mid-Term Goals (5 to 10 years out): If you are planning to buy a home, expand a business, or fund a milestone goal before age 59½, traditional retirement accounts can trap you with penalties. This is where we lean into after-tax brokerage accounts to maintain flexibility.

Building wealth isn't just about saving more... it's about saving into the right buckets for your specific timeline.