Gail Nickse, CFP®, CDFA, Financial Advisor

Welcome to my web site! Here you can access articles, calculators, market updates and other timely information. I hope you will find it useful.

My goal is to help you understand the opportunities and potential rewards that are available when you commit to improving your personal financial situation. I have created this Web site to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation. Most important, I hope you see the value of working with a Certified Financial PlannerTM practitioner to pursue your financial goals.

I am here to help educate you about the basic concepts of financial management and to give you fast, easy access to market performance data. Take advantage of this resource and visit this site often. Be sure to add this site to your list of "favorites" in your Internet browser. I frequently update the information, and I wouldn’t want you to miss any developments in the area of personal finance. And don't forget to tell your friends about this resource. Stay long, and enjoy your visit!

If you are looking to build a relationship with a financial advisor, the best place to start is with an initial consultation. Click here for a complimentary, no obligation consultation with me, and I will contact you shortly.

Waddell & Reed, Inc.

Taking Planning Personally


  • Anticipating Inflation?

    One way to help protect a bond portfolio from a potential spike in inflation is by investing in Treasury inflation-protected securities.

  • Tax Breaks for College Costs

    Three federal tax provisions can help ease the financial strain of paying for rising college costs.

  • Do You Have Enough Life Insurance?

    The differences between term life insurance and permanent life insurance and the advantages of an individual policy.

  • The Cost of Caregiving

    About one out of six American adults had provided unpaid care to another adult during the previous 12 months.


  • Roth IRA Conversion

    This calculator can help you determine whether you should consider converting to a Roth IRA.

  • Cost of Retirement

    Use this calculator to estimate how much income and savings you may need in retirement.

  • Mortgage Refinancing

    Determine whether you should consider refinancing your mortgage.

  • Credit Card Debt

    How Long Will It Take to Pay my Balance?