Financial Advisor in
Northern Kentucky

From our office on Houston Road in Florence, our Accredited Investment Fiduciary^® advisors serve families across Boone, Kenton, and Campbell counties and the Greater Cincinnati metro, coordinating investments, retirement income, and estate considerations under one plan.

Request a Consultation with a
Northern Kentucky Advisor

AIF^®Bob and Woody Mueller hold the Accredited Investment Fiduciary^® designation
IndependentMueller Financial, Inc. is independent of Parkland Securities, LLC and SPC
FINRA/SIPCSecurities offered through Parkland Securities, LLC, Member FINRA/SIPC
Florence, KYServing Northern Kentucky

Local Financial Guidance for Northern Kentucky Families

Whether you are early in your career, saving for a child’s education, running a business, or getting close to retirement, the decisions in front of you are easier to make with someone who knows your goals and knows the area you call home. Mueller Financial, Inc. is an independent firm based on Houston Road in Florence, and our advisors live and work in the same Northern Kentucky communities as the clients we serve.

As your Northern Kentucky financial advisor, we start by listening. We learn what you want your money to do, then help you organize retirement savings, investments, income planning, and estate coordination into one plan you can understand. From there, we meet with you on a schedule that fits your needs and adjust the plan as your circumstances change.

Financial advisor meeting with Northern Kentucky clients in Florence, KY

Why a Local Financial Advisor
Matters in Northern Kentucky

Northern Kentucky households often have one foot on each side of the Ohio River. That creates planning questions a generic online checklist will not answer, and it is where working with an advisor who knows the region helps most.

Careers That Cross the River

Many families live in Boone, Kenton, or Campbell County and work in Cincinnati. Employer retirement plans, pensions, and benefits can differ between employers in two states, and we help you see how those pieces fit together before you make a change.

Retirement Timing Decisions

For anyone born in 1960 or later, full retirement age for Social Security is 67, according to the Social Security Administration. When you claim, when you leave work, and which accounts you draw from first all affect each other, so we plan them together.

One Coordinated Plan

Old 401(k)s, IRAs, savings, and insurance policies tend to collect over a career. Bringing them into one coordinated plan makes it easier to see where you stand and what to do next.

Our Financial Planning Services in Northern Kentucky

Each service below connects to the others. We start with your goals, then bring in the pieces that apply to you.

Retirement Planning

Plan income, savings, and Social Security timing so retirement decisions work together.

Explore retirement planning

401(k) Rollovers

Review your options for a former employer’s plan when you change jobs or retire.

Review 401(k) rollover options

IRA and RMD Planning

Organize IRA withdrawals and required minimum distributions with your broader plan.

See IRA and RMD planning

Roth Conversions

Evaluate whether converting part of a traditional IRA to a Roth fits your situation.

Learn about Roth conversions

Investment Management

Build and monitor a portfolio matched to your goals, time frame, and comfort with risk.

View investment management

Retirement and Health Insurance

Prepare for Medicare and health care costs as part of your retirement plan.

Plan for health care in retirement

Estate Planning Coordination

Work alongside your attorney to align beneficiaries and accounts with your wishes.

Explore estate planning services

Holistic Financial Planning

Look at the bigger picture, from cash flow and insurance to education funding.

See our holistic planning approach

Why Northern Kentucky Families Work with Us

Choosing an advisor comes down to trust. We earn it by explaining our recommendations clearly, being upfront about how we work, and staying in touch as your plans change.

Our office is in Florence, and we have been part of this community for decades. You meet with the same people year after year, in person at our office or virtually when that is easier.

Accredited Investment Fiduciary^® Advisors
Bob and Woody Mueller hold the AIF^® designation, administered by Fi360, which reflects training in fiduciary standards and a documented investment process. Within our fee-based advisory relationships, recommendations are made in your best interest.
An Independent Firm
Mueller Financial, Inc. is independent of Parkland Securities, LLC and Sigma Planning Corporation, so our planning starts with your goals.
Invested in Northern Kentucky
Mueller Financial helped launch Give Where You Live NKY with Horizon Community Funds, a giving circle that supports nonprofits in Boone, Kenton, and Campbell counties. See more on our community page.
Coordinated, Ongoing Advice
Retirement, investments, insurance, and estate coordination are reviewed together, and we revisit your plan as your goals and circumstances change.

Bob Mueller, AIF^®

Founder, Financial Advisor

Bob’s focus is to serve clients, proactively guide them, and give them the tools to make prudent, informed decisions. Raised in a family devoted to outreach and mission work, he builds long, close relationships that clients can count on.

Woody Mueller, AIF^®

President & CEO, Financial Advisor

Woody believes personalized service is essential. He takes time to learn each client’s goals, whether buying a first home, funding college, or planning for retirement, then builds and reviews a plan focused on those specific needs.

Ramona Rechtin

Financial Advisor

With 25 years of experience, Ramona puts trust at the center of every client relationship. She focuses on long-term investing with an asset allocation matched to each client’s tolerance for risk, and reassesses the plan through every life event.

Areas We Serve in Northern Kentucky

From our office on Houston Road in Florence, we work with individuals, families, and business owners throughout Boone, Kenton, and Campbell counties, meeting in person or virtually.

Florence
Union
Erlanger
Independence
Fort Mitchell
Covington
Newport
Hebron
Boone County
Kenton County
Campbell County

Live or work across the river? Visit our financial advisor in Cincinnati, OH page.

Mueller Financial, Inc.
6900 Houston Road, Suite 31, Building 700
Florence, KY 41042
(859) 918-6750

Start a Conversation with a Northern Kentucky Financial Advisor

A good plan starts with a conversation about where you are today and where you want to go. We will listen, answer your questions, and talk through whether working together makes sense for you.

Our office is at 6900 Houston Road, Suite 31, Building 700, in Florence, and we meet with clients in person or virtually.

Ready to Talk?

Reach out through our contact page and we will follow up to find a time that works for you.

Request a Consultation Or call (859) 918-6750

Frequently Asked Questions

What does a financial advisor in Northern Kentucky do?

A financial advisor helps you organize your savings, investments, and retirement accounts into a plan tied to your goals. At Mueller Financial, Inc., that includes retirement income planning, 401(k) rollovers, IRA and required minimum distribution planning, investment management, and coordination with your estate and tax professionals, all from our office in Florence, Kentucky.

Where is Mueller Financial located, and which areas do you serve?

Our office is at 6900 Houston Road, Suite 31, Building 700, Florence, KY 41042. We work with clients throughout Boone, Kenton, and Campbell counties, including Florence, Union, Erlanger, Independence, Fort Mitchell, Covington, Newport, and Hebron, and we also serve the Greater Cincinnati area.

Are your advisors fiduciaries?

Bob Mueller and Woody Mueller hold the Accredited Investment Fiduciary^® (AIF^®) designation, which reflects training in fiduciary standards and a documented investment process. Fee-based investment advisory services are offered through Sigma Planning Corporation, a registered investment advisor, and within that advisory relationship our recommendations are made in your best interest.

How does Mueller Financial get paid?

How you pay depends on the services you choose. Fee-based investment advisory services are offered through Sigma Planning Corporation, and securities are offered through Parkland Securities, LLC, Member FINRA/SIPC. We explain costs clearly before you decide to work with us, and you can review our Form CRS for details on services and fees.

Do I need a certain amount of money to work with you?

We work with individuals, families, and business owners at many stages, from young professionals just starting out to retirees managing their savings. The best way to see whether we are a good fit is to contact our office and talk through your situation.

Can you help if I live in Kentucky and work in Ohio?

Yes. Many of our clients live in Northern Kentucky and work or hold accounts in Cincinnati, and we help coordinate employer plans and accounts from both sides of the river. Our advisors may discuss or transact business only with residents of the states in which they are properly registered. Learn more on our Cincinnati, OH financial advisor page.

How often will we meet?

It depends on your needs. Some clients prefer quarterly check-ins, while others meet with us once a year or whenever a major life change comes up. We meet in person at our Florence office or virtually.

How do I get started?

Call our office at (859) 918-6750 or request a consultation through our contact page. We will set up a time to learn about your goals and answer your questions.

Financial Advisor in Northern Kentucky