Nikulski Financial provides financial planning, portfolio management for individuals and small businesses, selecting other managers, educational seminars, business succession planning, education planning, estate planning, insurance, and retirement plan services. Financial planning was provided to 51–100 clients last fiscal year.
Nikulski Financial reports 475 clients. They include 352 individual clients, 116 high-net-worth individuals and 4 charitable organizations. Of its assets, 100.0% ($449M across 475 accounts) are managed with discretion. It advised 1 client without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 74% | 23% |
| High-net-worth individuals | 24% | 75% |
| Charitable organizations | <1% | <1% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 352 | $103M | 23.0% | $293K |
| High-net-worth individuals | 116 | $339M | 75.4% | $2.92M |
| Charitable organizations | Fewer than 5 | $3.77M | 0.8% | $943K |
| Corporations and other businesses | Fewer than 5 | $3.2M | 0.7% | $1.07M |
| Total | 475 | $449M | 100% | — |
- Clients
- 352
- Regulatory AUM
- $103M
- AUM share
- 23.0%
- Avg. per client
- $293K
- Clients
- 116
- Regulatory AUM
- $339M
- AUM share
- 75.4%
- Avg. per client
- $2.92M
- Clients
- Fewer than 5
- Regulatory AUM
- $3.77M
- AUM share
- 0.8%
- Avg. per client
- $943K
- Clients
- Fewer than 5
- Regulatory AUM
- $3.2M
- AUM share
- 0.7%
- Avg. per client
- $1.07M
Total
- Clients
- 475
- Regulatory AUM
- $449M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 1
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Nikulski Financial charges 0.50%–1.50% a year for its Asset Management. The fee is billed in advance. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- 401(k) Account Management
- Accounts with limited management are billed 0.35% of assets; accounts under advisement pay quarterly flat fees of $100 to $500.
- Financial Planning and Consulting
- Hourly fees range from $150 to $350 per hour, flat fees from $500 to $10,000, and financial plans are generally assessed at a minimum fee of $500.
Brian Nikulski owns 75% or more of Nikulski Financial. The leadership team of Nikulski Financial includes President Brian Nikulski. It has 10 employees, 6 of them in advisory roles.
Staff
- 10 employees
- 6 in advisory functions
- 6 state-registered reps
- Owns 75% or more of Nikulski Financial, Inc.
Brian Nikulski
Control person · since September 2009
Nikulski Financial’s regulatory assets grew 1.9× from $233M (March 2021) to $449M (March 2026); clients rose from 342 to 475 and employees from 4 to 10.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $449M | 475 | 10 | 1 |
| Jul 2025July 2025 | $370M | 418 | 9 | 1 |
| Jun 2024June 2024 | $306M | 410 | 9 | 1 |
| Apr 2023April 2023 | $252M | 383 | 7 | 1 |
| Apr 2022April 2022 | $289M | 377 | 7 | 1 |
| Mar 2021March 2021 | $233M | 342 | 4 | 1 |
Besides its headquarters, Nikulski Financial has 0 offices, with 1 listed address in 1 state.
Iowa · 1 listed address
- 4275 Ontario Drive, BettendorfHQ
Contact and registration details
- Legal name
- Nikulski Financial, Inc.
- Headquarters
- 4275 Ontario Drive, Bettendorf, IA 52722
- Website
- nikulskifinancial.com
- Phone
- 563-344-0118
- @nikulski-financial-inc-
- SEC file
- 801-109933
- Founded
- 2009
- Structure
- Iowa corporation
- Fiscal year end
- December
Nikulski Financial’s named custodians for separately managed accounts are Altruist ($236M, 52%) and Charles Schwab ($216M, 48%). Nikulski Financial has custody of $73.2M for 103 clients.
The filed custodian amounts total more than regulatory assets under management. Each amount is shown as filed.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $216M48%
- AltruistAltruist Financial LLC · Culver City, CA · $236M52%
At year end, Nikulski Financial’s separately managed accounts were mostly in stocks (54%) and funds (42%). Its reported 13F holdings for the quarter ended 30 June 2026 total $464M across 180 positions; the largest are Apple Inc. (4.0%), Palo Alto Networks Inc. (3.6%) and Lam Research Corp. (3.5%).
What the accounts hold
- Stocks54%
- Funds42%
- Cash4%
How many clients does Nikulski Financial have?
Nikulski Financial has 475 clients and manages $449 million for them, as of March 2026. They include 352 individual clients, 116 high-net-worth individuals and 4 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 17 March 2026
What services does Nikulski Financial offer?
Nikulski Financial provides financial planning, portfolio management for individuals and small businesses, selecting other managers, educational seminars, business succession planning, education planning, estate planning, insurance, and retirement plan services.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Nikulski Financial charge?
Nikulski Financial charges 0.50%–1.50% a year for its Asset Management. The fee is billed in advance.
Source: NF - ADV PART 2A: FIRM BROCHURE, filed 17 March 2026
Which custodians does Nikulski Financial use?
Nikulski Financial’s separately managed account assets are held at Altruist Financial LLC (Culver City, CA), with $236M and Charles Schwab & Co., Inc. (Westlake, TX), with $216M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 17 March 2026
How many financial advisors does Nikulski Financial have?
Nikulski Financial has 6 investment adviser representatives registered with state securities authorities, out of 10 employees, and 6 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Nikulski Financial invest in?
At the end of its last fiscal year, Nikulski Financial’s separately managed accounts held 54% exchange-traded equities, 42% registered funds (mutual funds, ETFs, BDCs) and 4% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Nikulski Financial?
Nikulski Financial’s direct owner is Brian Nikulski (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 17 March 2026
How does Nikulski Financial get paid?
Nikulski Financial is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Nikulski Financial?
Nikulski Financial’s main office is at 4275 Ontario Drive, Bettendorf, IA 52722. Its phone number is 563-344-0118. Its website is nikulskifinancial.com.