Financial Advisor in Independence, KY

Financial independence starts at home, and in Independence, KY, that means working with a financial advisor who treats your goals like their own.
We build every portfolio personally and keep the relationship human, so you feel supported whether you’re just starting out or well on your way.

INDEPENDENCE, KY SERVICES:

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Investment Management

Independence families get personal portfolios built for the long run,...

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Independence Retirement & Medicare Planning

Plan for retirement while raising a family, with clear steps...

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Personal Tax Planning & Risk Management

Straightforward tax guidance and a protection check, so your Independence...

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Independence Business & Workplace Plans

Retirement plan options for Independence contractors, tradespeople and small employers...

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Medicare & Insurance

From life insurance for new parents to Medicare decisions down...

Independence Investment Management

Many Independence households are young families building a life in a growing community. Whether you're investing for the first time or ready to get more serious, we create a portfolio that fits your budget and goals, then stay alongside you as your family and savings grow.

Questions welcome, no judgment

Not sure what an ETF is or how much you should invest? Ask away. We give Independence clients clear, respectful answers, so you understand every part of your plan.

Consistency over market timing

Steady, regular investing is one of the most powerful habits you can build. We help you set a rhythm that fits your budget and stick with it.

Built for a long runway

With years ahead of you, your portfolio can focus on growth. We use stocks, ETFs and mutual funds while keeping risk at a level you’re comfortable with.

Spreading out your risk

We diversify across different investments, so your savings aren’t overly dependent on any one company or corner of the market.

Growing with your family

New baby, bigger house, career change: as your family’s needs shift, we revisit your strategy and make adjustments.

Retirement & Medicare Planning in Independence, KY

With a mortgage, kids and a busy career, retirement can feel like tomorrow's problem. We help Independence families make steady progress now, so later decisions about income, Social Security and healthcare come from a position of strength.

Saving while raising a family

We help you find a realistic retirement savings amount that works alongside your family’s everyday needs and other priorities.

An early start with IRAs

Traditional or Roth? We look at your income, eligibility and tax situation to help you get the most from your IRA contributions.

When you work for yourself

Self-employed? Without an employer plan, retirement is on you. We help you build savings and plan income for life after your business.

Social Security, the long view

It’s never too early to understand your benefits. We help you see how claiming decisions will fit into your future income.

Healthcare after retirement

We include Medicare in your long-term plan and budget, so future healthcare costs are part of the picture from the start.

Tax Planning & Risk Management for Independence Families

A growing family has more to plan for and more to protect. We help Independence households understand the tax side of their financial choices and review the safeguards that keep their family secure if life takes an unexpected turn.

Tax guidance for your household

We help you understand how your income, investments and retirement contributions affect your personal taxes.

Fewer tax surprises

By thinking ahead about when to sell investments or draw from accounts, we help you avoid tax costs that could have been prevented.

Securing your family's future

With kids at home and a mortgage to pay, protection matters. We review your coverage alongside your savings and obligations.

When an annuity may help

In some situations, an annuity can add stability. We explain the trade-offs clearly. Guarantees depend on the issuing insurer and contract terms.

Business & Workplace Plans in Independence, KY

Independence is home to plenty of contractors, tradespeople and small family businesses. Running your own operation shouldn't mean giving up on retirement, so we help you choose a plan that fits your business today and grows as you add people.

Plans for contractors and trades

Whether you run a crew or work solo, we help you find a retirement plan that fits how your business earns and operates.

Individual 401(k)s

For self-employed owners with no employees, an individual 401(k) can be an effective way to save. We help you see if it fits.

SEP or SIMPLE?

Both are simple, low-cost options for small businesses. We compare them against your goals and budget to find the right fit.

Benefits for your first employees

Hiring your first team members? We help you set up retirement benefits and explain them clearly to your new staff.

Keeping contributions affordable

We review employer contribution and administrative costs, so your plan stays sustainable as your business grows.

Independence Medicare & Insurance Guidance

Your insurance needs change as your family does. We help Independence residents find coverage that fits their current stage of life, whether that's protecting a young family or planning for Medicare, and we keep it in sync with their broader financial plan.

Life insurance for new parents

A new child changes everything. We help you decide how much term life coverage would keep your family financially secure.

Disability coverage when you're self-employed

Without employer benefits, an injury could stop your income. We help you evaluate disability coverage that protects what you earn.

Medicare basics, explained

When the time comes, we help you understand your Medicare options and make enrollment decisions that fit your healthcare needs.

Thinking about future care

We help you consider potential long-term care needs and whether coverage makes sense within your overall plan.

What do Independence, KY clients say about working with Schmidt? Hear it 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.