Financial Advisor in Union, KY

Life in Union, KY moves fast, and the right financial advisor should make your financial life simpler, not busier.
We bring your accounts, goals and decisions together under one custom strategy, with a team that stays proactive so you don’t have to.

SERVICES FOR UNION, KY FAMILIES:

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Investment Management

One coordinated, hand-built strategy for all your Union household's accounts,...

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Retirement & Medicare Planning

Two careers, one retirement plan: we connect both incomes, both...

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Personal Tax Planning & Risk Management

Stay ahead of the tax effects of a growing income,...

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Business & Workplace Plans

Plan design and executive compensation guidance for Union business owners...

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Medicare & Insurance

Protect both incomes, your children and your future with life,...

Investment Management

Many Union families have built real wealth across several accounts, but no single strategy ties it all together. We create one clear, goal-based plan for everything you own, then manage it proactively so your investments keep pace with your ambitions.

One strategy for every account

Brokerage accounts, IRAs, both spouses’ savings: we manage your Union household’s investments as one coordinated plan, not a collection of pieces.

Proactive, not reactive

We don’t wait for you to call. We monitor your portfolio every day and reach out when opportunities or risks call for a change.

Progress you can see

Goal-based advice means you always know where you stand. You can check your accounts anytime through our portfolio platform.

Balancing growth and risk

We pursue long-term growth with stocks, ETFs and funds, while managing your diversification so the risk stays in line with your goals.

When others depend on you

Responsible for more than your own money? We help you manage investments with the extra care that comes with looking after others.

Retirement & Medicare Planning

Two careers can mean two sets of benefits, two retirement dates and plenty of decisions to line up. We help Union couples bring it all into one plan, so savings, Social Security and Medicare choices support the retirement you're building together.

Two careers, one plan

We coordinate both spouses’ workplace plans and savings, so your household is working toward one shared retirement goal.

How early could you retire?

We test different retirement ages against your savings and expected expenses, so you know exactly what an earlier exit would take.

IRA planning as income rises

Higher income can change which IRAs you’re eligible for. We help you choose the right accounts as your earnings grow.

Where your retirement income comes from

We map out how savings, Social Security and other resources will combine to fund your life after work.

Leaving employer health coverage

When one or both of you retire, we help you plan the move from employer coverage to Medicare without gaps.

Tax Planning & Risk Management

As income climbs, so can your tax bill and the amount your family stands to lose if something goes wrong. We help Union households plan ahead for the tax effects of their decisions and review their protection alongside everything they've worked to build.

Taxes on a growing income*

We help you understand how rising income, investment gains and retirement choices affect your personal taxes.

Decisions planned in advance

We look ahead at investment sales and account withdrawals, so tax-sensitive decisions are made on purpose, not in a rush.

Protecting a busy household

We review your coverage alongside your savings, obligations and dependents to make sure your family is protected where it counts.

Insurance and income strategies

We evaluate insurance and annuity options when they could strengthen your plan. Any guarantees depend on the issuing insurer.

Business & Workplace Plans

Union business owners often want a retirement plan that serves their employees and helps them save more for themselves. We help you design a plan that does both, with the right structure, a sustainable contribution strategy and room for your key people.

Plan design with owners in mind

We factor in owner and key employee goals when shaping your plan, so it supports your own retirement as well as your team’s.

Comparing plan types

We weigh 401(k), SEP IRA and SIMPLE IRA options against your business structure, eligibility needs and goals.

A sustainable contribution strategy

We review employer contribution levels and administrative costs to keep your plan generous and affordable.

Executive compensation planning

We help you design reward and retention strategies for the leaders who drive your company’s growth.

Employee benefits education

We help your team understand their plan through onboarding and ongoing education, so participation stays strong.

Medicare & Insurance

When a household depends on two incomes and has children at home, the right coverage is essential. We help Union families evaluate their insurance and future Medicare needs clearly, so every policy has a purpose in their overall plan.

Protecting both incomes

If either of you couldn’t work, how would your family adjust? We review both spouses’ disability coverage alongside employer benefits.

Term life for both parents

We help you decide how much term life coverage each parent needs to keep your children’s future secure.

Long-term care in the plan

We help you think through future care needs and whether long-term care coverage fits your resources.

Looking ahead to Medicare

When the time comes, we help you understand Medicare basics and make enrollment choices based on your coverage and health needs.

Union, KY families rely on Schmidt for steady financial guidance. Hear why in their own words.

"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.