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6900 Houston Road, Suite 31, Building 700, Florence, KY 41042

(859) 918-6750
Gmueller@parklandrep.com
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Financial Advisor in
Florence, KY

Independent, local guidance for retirement, investments, and tax-aware planning from our office on Houston Road in Florence, serving families across Boone County and Northern Kentucky.

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  • AIF® Florence advisors Bob and Woody Mueller hold the Accredited Investment Fiduciary® designation
  • Independent Mueller Financial, Inc. is independent of Parkland Securities, LLC and SPC
  • FINRA/SIPC Securities offered through Parkland Securities, LLC, Member FINRA/SIPC
  • Florence, KY Our office on Houston Road, serving Boone County

Financial Advisors for Florence, Kentucky

Florence is home base for our firm. Our office sits on Houston Road in Boone County, a short drive from Union, Hebron, and Erlanger, and it is where our advisors meet with individuals, families, and business owners who want clear, coordinated guidance close to home.

Working with a financial advisor in Florence means working with people who know the area: the commute across the Ohio River, the employers around Northern Kentucky, and the Kentucky tax rules that shape retirement decisions. We start by learning your goals, build a plan for investments, retirement income, and the decisions in between, and keep reviewing it as your circumstances change.

Why Local Advice Matters

Kentucky’s rules for income, retirement savings, and inheritances differ from Ohio’s, and they keep changing. An advisor who works with these rules every day can help you see how each one fits into the rest of your plan.

Kentucky’s Income Tax Rate Dropped in 2026

Kentucky’s flat individual income tax rate fell from 4% to 3.5% for tax years beginning on or after January 1, 2026, according to the Kentucky Department of Revenue. A rate change can shift the math on when to take retirement withdrawals or complete a Roth conversion.

Retirement Income Has Its Own Exclusion

Kentucky lets each taxpayer exclude up to $31,110 of qualifying pension and retirement income, including IRA and annuity distributions, from state taxable income, per the Kentucky Department of Revenue Schedule P. Coordinating withdrawals between spouses can help each of you use your own exclusion.

Kentucky Still Has an Inheritance Tax

Kentucky is one of a small number of states that levy an inheritance tax. Spouses, children, grandchildren, parents, and siblings are exempt as Class A beneficiaries, while nieces, nephews, and other heirs may owe tax, according to the Kentucky Department of Revenue. Beneficiary choices deserve a careful look.

Financial Planning Services in Florence

Every plan starts with a conversation about what you want your money to do. From there, our Florence advisors bring together the services below so each decision supports the others.

Retirement Planning

Turn savings into a retirement income plan, with timing for withdrawals, Social Security, and other income sources.

Investment Management

Portfolios built and monitored around your goals, time horizon, and comfort with risk.

Roth Conversion Planning

Evaluate whether moving traditional IRA dollars to a Roth fits your tax picture this year.

401(k) Rollovers

Review your options for an old employer plan when you change jobs or retire.

IRA and RMD Planning

Plan for required minimum distributions and coordinate IRA withdrawals with your income strategy.

Medicare and Retirement Health Planning

Fold Medicare decisions and health care costs into your retirement plan.

Estate Planning Coordination

Align beneficiary designations and accounts with the documents your estate attorney prepares.

Holistic Financial Planning

Bring investments, taxes, insurance, and goals together in one plan you can follow.

Why Florence Families Work with Us

Choosing an advisor comes down to trust. We earn it through clear communication, a documented process, and advice tied to the goals you set.

As an independent firm based in Florence, we meet with you face to face at our Houston Road office or virtually, and we stay with you as your plans and priorities change.

  • AIF® Designated Advisors

    Bob and Woody Mueller hold the Accredited Investment Fiduciary® designation, administered by Fi360. Our advisory recommendations are made in your best interest.

  • An Independent Firm

    Mueller Financial, Inc. is independent, so recommendations start with your goals rather than one company’s product lineup.

  • Rooted in Florence

    Our office is at 6900 Houston Road, and we serve families throughout Boone, Kenton, and Campbell Counties.

  • Continuity Across Generations

    Founded by Bob Mueller and now led by his son Woody as President and CEO, the firm is set up for relationships that last.

Bob Mueller, financial advisor in Florence, KY

Bob Mueller, AIF®

Founder, Financial Advisor

An Accredited Investment Fiduciary® with 36 years in financial planning, Bob focuses on retirement income, tax-aware planning, and investment management. He credits a family background in outreach and mission work for shaping how he serves clients.

Woody Mueller, financial advisor in Florence, KY

Woody Mueller, AIF®

President & CEO, Financial Advisor

Woody starts every relationship by getting to know you, because each household’s situation is different. He builds a personalized plan around your stated goals and reviews progress against those aims on an ongoing basis.

Ramona Rechtin, financial advisor in Florence, KY

Ramona Rechtin

Financial Advisor

A financial advisor with 25 years of experience, Ramona puts trust at the center of every client relationship and works with clients from the firm’s Florence office.

Start a Conversation with a Florence Financial Advisor

If you want a clear plan for retirement, investments, and the decisions in between, we would welcome the chance to learn about your goals. Reach out and we will set up a time that works for you, in person in Florence or virtually.

Prefer to talk now? Call (859) 918-6750

Visit Our Florence Office

6900 Houston Road
Suite 31, Building 700
Florence, KY 41042

Request a Consultation

Frequently Asked Questions

Where is your Florence, KY office located?

Our office is at 6900 Houston Road, Suite 31, Building 700, Florence, KY 41042. You can meet with an advisor in person at the office or virtually, whichever is more convenient. To set up a time, call (859) 918-6750 or request a consultation online.

Which financial advisors work out of the Florence office?

Bob Mueller, AIF®, Woody Mueller, AIF®, and Ramona Rechtin work with clients from our Florence office. Bob is the firm’s founder, Woody serves as President and CEO, and Ramona is a financial advisor with 25 years of experience. Each advisor’s bio page describes their background and approach.

Are your Florence financial advisors fiduciaries?

Bob and Woody Mueller hold the Accredited Investment Fiduciary® (AIF®) designation, administered by Fi360, which reflects training in fiduciary standards of care and a documented investment process. Fee-based investment advisory services are offered through Sigma Planning Corporation, a registered investment advisor, and recommendations made within that advisory relationship are held to a fiduciary standard. Securities offered through Parkland Securities, LLC, Member FINRA/SIPC, are brokerage services governed by a different standard, and your advisor can explain which one applies to each account.

Can you help if I live in Florence but work in Cincinnati?

Yes. Florence sits minutes from downtown Cincinnati, and we serve clients throughout Northern Kentucky and Greater Cincinnati. We can help you coordinate workplace retirement plans, savings, and income strategies with your tax professional so that both states’ rules are considered. Registration varies by advisor and state, so ask us which of our advisors can work with you based on where you live.

What should I bring to my first meeting?

Bring recent statements for your investment and retirement accounts, your most recent tax return, your Social Security statement if you have one, and any pension or insurance documents. A short list of questions and goals is helpful too. If you do not have everything, that is fine; we can start with what you have.

How do I start working with a financial advisor in Florence?

Start with an introductory conversation. Call (859) 918-6750 or request a consultation online, and we will set up a time to learn about your goals, review where you stand today, and explain how our services and fees work before you decide anything.