# Amber Netherton

> Amber Netherton is a fee-only financial advisor at Nikulski Financial in Bettendorf, Iowa. Nikulski Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/amber-netherton/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Nikulski Financial
- **Based in:** Bettendorf, Iowa
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $449.0M across 475 accounts
- **CRD:** 6851326 (https://adviserinfo.sec.gov/individual/summary/6851326)
- **SEC registration:** Investment adviser representative in IA
- **Exams passed:** Series 65 (2017)
- **Firm size:** 10 employees
- **Disclosures:** None reported
- **Website:** https://www.nikulskifinancial.com/

## Frequently asked questions

### Is Amber Netherton a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Amber holds no broker registration, and Nikulski Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Amber charge for financial advice?

Amber's firm, Nikulski Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Amber Netherton based?

Amber Netherton is based in Bettendorf, Iowa.

### Is Amber Netherton registered with the SEC?

Yes. Amber Netherton is registered as an investment adviser representative in IA (CRD 6851326), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Nikulski Financial manage?

Nikulski Financial reports $449.0M across 475 accounts in assets under management.

### How do I contact Amber Netherton?

Through Amber's website, www.nikulskifinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6851326): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.