Financial Advisor in Florence, KY

Florence, KY runs on hard work and neighborly trust, and that’s exactly what you should expect from a financial advisor.
We skip the sales pitch and focus on stewardship, with custom portfolios and genuine relationships that leave you feeling known and confident.

FLORENCE, KY SERVICES AT A GLANCE:

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Florence Investment Management

Goal-driven portfolios for Florence investors at any stage, built by...

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Florence Retirement & Medicare Planning

Find out when you can retire, how you'll pay yourself...

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Personal Tax Planning & Risk Management

See how today's financial moves affect your taxes, and make...

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Florence Business & Workplace Plans

Retirement plans shaped around your Florence business, your workforce and...

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Medicare & Insurance

Practical guidance on Medicare, disability and life insurance for Florence...

Investment Management in Florence, KY

Florence families come to us at every stage, from a first paycheck worth investing to a lifetime of savings worth protecting. Wherever you're starting, we build a portfolio around your goals, explain every decision along the way and stay involved as your needs and the markets change.

No minimum to get started

You don’t need a large balance to work with us. If you’re committed to investing consistently toward clear goals, we’re ready to help you build from where you are.

Goals first, investments second

Before we pick a single investment, we learn what you’re working toward. Then each part of your Florence portfolio is chosen to help get you there.

A balanced mix of holdings

Stocks, ETFs, mutual funds and, when appropriate, structured notes: we combine them to balance growth with a level of risk you can live with.

Smarter about taxes

We consider which accounts hold which investments and when to sell, helping your portfolio work more efficiently after taxes.

Revisited as life changes

A new job, a growing family, an approaching retirement: we revisit your strategy whenever life shifts, not just on a set schedule.

Retirement & Medicare Planning for Florence Families

When can you retire? How will you pay yourself? What happens to your health coverage? These are the questions Florence residents bring to us most. We work through them together, so every decision supports the retirement you have in mind.

Saving with a finish line in mind

We help you set a clear retirement target and build a savings plan that keeps you moving toward it year after year.

When can you retire?

We compare your savings and expected expenses against different retirement dates, so you can see which timeline truly works.

Aligning your IRAs

We make sure your traditional and Roth IRA contributions, and eventually your withdrawals, fit your broader retirement strategy.

The right time for Social Security

Your claiming age shapes your benefits for life. We help you choose a start date that fits your household’s needs.

Healthcare in your plan

Medicare is part of your retirement budget. We help you plan for it early, so healthcare costs don’t disrupt your income.

Florence Tax Planning & Risk Management

The choices you make with your money ripple into your taxes and your family's security. We help Florence households see those connections clearly, plan ahead for taxable events and prepare for the curveballs life can throw.

Understanding your tax picture

We help you see how your investments, income and retirement decisions affect your personal taxes, so there are fewer surprises.

Avoiding unnecessary tax costs

By planning when you sell investments and take withdrawals, we help you spot and sidestep tax costs that could be avoided.

What if the unexpected happens?

Illness, lost income or sudden care needs can strain any plan. We assess your exposure and help you prepare before it happens.

Insurance and income solutions

When protection or guaranteed income may help, we evaluate insurance and annuity options with you. Guarantees depend on the issuing insurer.

Florence Business & Workplace Plans

Florence is full of independent shops, service companies and growing employers. Whatever your business looks like, we start by understanding how it's structured and who works there, then help you choose a retirement plan that fits both.

Understanding your business first

We look at your business structure, workforce and goals before recommending anything, so the plan fits how your company actually runs.

Finding the right plan type

We walk you through the differences between 401(k), SEP IRA and SIMPLE IRA plans and help you choose the one that makes sense.

Your contribution strategy

We review how employer contributions and administrative costs affect your budget, so the plan stays sustainable as you grow.

Benefits your team understands

We provide onboarding and benefits education so your employees know how the plan works and how to make the most of it.

Rewarding top performers

Executive compensation strategies help you reward and retain the key people who keep your Florence business moving forward.

Medicare & Insurance in Florence

Coverage decisions should start with your needs, not with a policy someone wants to sell. We help Florence residents understand Medicare and evaluate insurance options based on their current coverage, health and family, then keep that coverage aligned with their broader financial plan.

Approaching Medicare

Getting close to 65? We help you understand the basics and make enrollment decisions based on your current insurance and health needs.

Premiums vs. out-of-pocket costs

A lower monthly premium isn’t always the cheaper choice. We compare the total cost of your coverage options, not just the sticker price.

Filling gaps in employer benefits

Many workplace disability plans leave gaps. We compare your employer coverage with your expenses to see if more protection makes sense.

The right amount of life insurance

We help you figure out how much term life coverage would support your dependents and family obligations if something happened to you.

Florence, KY families trust Schmidt with their financial future. Hear why, firsthand.

"Darin has always provided us with solid advice. We appreciate the way he thinks outside the box when it comes to identifying the right investments for our portfolio to help us reach our future goals. We think you'll be glad you decided to work with him."

Dan & Robin B.

"Darin started me off with my first investment, a Roth IRA, and helped me build a real investment strategy from there. He met me where I was as a young investor and gave me the foundation and confidence to keep growing."

Alex K.

"My experience with Schmidt Wealth Management has been nothing short of stellar! I'm thrilled with the level of care and communication I regularly receive from Darin and the team. I refer friends, family, and clients to Schmidt Wealth Management with full confidence that they'll be well taken care of."

Christine L.

"From our very first meeting, Darin took the time to understand our unique financial situation and long-term goals. He helped us set up 529 plans for both of our children and managed everything along the way. All we had to do was follow his guidance. He's not just an advisor; he's a trusted partner."

Dr. R. Ramesh & Ramesh M.

"Darin has been our financial advisor for over 10 years, and we've always felt confident in his guidance. He takes the time to understand our situation and handles everything with care. We trust him completely."

Gary & Mindy L.

Testimonials are from actual Schmidt Wealth Management clients, provided voluntarily without compensation, and may not reflect all client experiences. Investing involves risk, including possible loss of principal. Past performance is no guarantee of future results.