A plan for today, tomorrow and generations to come

Understanding your life, your wealth and what you want to accomplish is at the core of our practice. We'll discuss your goals, the people who are most important in your life and your vision for the future. Then we'll help you organize your financial life into three strategies: Liquidity—to help provide cash flow for short-term expenses, Longevity—for longer-term needs and Legacy—for needs that go beyond your own.

Timeframes may vary. Strategies are subject to individual client goals, objectives and suitability. This approach is not a promise or guarantee that wealth, or any financial results, can or will be achieved.

Co-workers in a lobby

Matthew Nikodym, AAMS, CRPS

Matt joined UBS Financial Services in 2003.  With over 18 years in the financial services industry, he has developed long-lasting relationships during volatile markets.    Matt works primarily with individuals and small business owners, providing financial planning and wealth management.  He has earned the title of Senior Retirement Plan Consultant and offers retirement plan consulting services to companies both large and small.  Matt has also earned the Accredited Asset Management (AAMS®) designation and is a Chartered Retirement Plan Specialist (CRPS®).

Active with the Boys and Girls club of Central MN, Matt currently serves as a member of the Board of Directors and Executive Committee.   As the chair of the Resource Development Committee, he has had a vital role in overseeing the club's successful expansion.  

Matt is also very active with the United Way of Central where he currently chairs the Financial Stability Advisory Board and serves as a member of the Board of Directors.  He is a past Finance and Executive Committee member of the United Arts, which support Central MN Arts and is currently a board member for the St Cloud Blue Sox baseball.

He enjoys cycling, golf, tennis and skiing.  He and his wife Jessica reside in St. Cloud with their sons Jackson, Derek and Ryan.


Registered States:
  • AZ
  • CA
  • CO
  • DE
  • FL
  • IA
  • ID
  • IL
  • MA
  • MI
  • MN
  • MS
  • MT
  • NC
  • ND
  • NE
  • NM
  • NV
  • NY
  • OR
  • SC
  • SD
  • TN
  • TX
  • WA
  • WI

Recognized as an industry leader:

  • Forbes Best-in-State Wealth Advisors, 2019, 2020, 2021, 2022, 2023, 2024The Forbes rating is compiled by Shook Research and awarded annually in April based on information from a 12 month period ending June of the prior year.
  • Forbes Best-in-State Wealth Management Teams, 2023, 2024The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

Eligibility is based on quantitative factors and is not necessarily related to the quality of the investment advice. For more information on third party rating methodologies, please visit ubs.com/us/en/designation-disclosures


  • B.S. Degree in Finance, St. Cloud State University


  • Accredited Asset Management Specialist
  • Chartered Retirement Plans Specialist
  • Senior Portfolio Manager
  • Senior Retirement Plan Consultant

Our advice is comprehensive. We help diverse clients in a broad range of areas, including:

Financial planning
Retirement planning
Retirement Plan consulting
401(k) plan services
Alternative investments
Business Owners
Your goals are the starting point
4150 S Second Street
Suite 500
St Cloud, MN 56301
  • (320) 203-6579

Email Me

Matthew Nikodym, AAMS, CRPS is also part of:
Karl Nikodym Wealth Management Group

A focus on personalized access and service

Working with diverse clients with specific needs, our team sees it as our top responsibility to understand each aspect of your unique and often complicated financial life.

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Global Wealth Report 2024

Crafted wealth intelligence

Now in its 15th edition, the Global Wealth Report 2024 offers you leading insights into household wealth and prosperity across the world. In the US, average wealth growth has spiked from 3.7% between 2000 and 2010 to nearly 6.3% between 2010 and 2023.

Gain additional insights into the trends shaping wealth in the US and around the world.

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