26.35° N · 80.08° W — Boca Raton, Florida · Working with clients nationwide
There are only three things you can do with money.
Spend it now. Spend it later. Spend it never.™
Practical and highly effective financial planning and retirement planning for income that lasts as long as you do — or longer. From Nancy J. Hite, CFP®, Fiduciary (AIF®), CLU®, ChFC®, CWS®.
No cost No obligation In person, by phone or video
CFP® & Fiduciary
your interests come first
Rated A
by the Better Business Bureau
Author of two books
The Retirement Mirage · Wealth Beyond Taxes
Boca Raton based
working with clients nationwide
Nancy’s simple framework
Every dollar you own has one of three jobs.
Most people have not optimized their investing, their spending, or their preparation for the expenses of retirement, including but not limited to healthcare expenses and possible cost of long-term care. It is essential to have a comprehensive financial plan so that you can live the lifestyle you want to live today, tomorrow, and throughout your retirement. Together, we give every dollar a clear purpose.
Why “Fiduciary” matters
A fiduciary puts your interests first.
Not every financial professional is required to put your interests ahead of their own. When Nancy provides investment advice, she acts as a fiduciary — obligated to act in your best interest, with care, loyalty and full transparency.
Her Accredited Investment Fiduciary® (AIF®) designation goes a step further: specialized training in fiduciary standards and a prudent, documented investment process. Combined with her CFP® certification, it means the advice you receive is built around your goals — not a product.
Fiduciary obligations apply to investment advisory services. Brokerage and insurance services are subject to different standards; Nancy will explain which standard applies to any recommendation.
Longevity — the leading risk
“Most people are afraid of running out of money before they run out of time.”
Retire at 65 and your income may need to last another thirty years or more. Longevity multiplies every other risk — market drops, inflation, healthcare costs and taxes. That’s why Nancy builds plans that run to age 100 and beyond — designed for a long, deeply satisfying life.
— Nancy J. Hite, CFP®
Two-minute self-check
Is your money built to last to 100?
Six quick questions about the biggest risks in later life — longevity, income, taxes, health costs and legacy. You’ll see where your plan looks solid and where it may have blind spots.
For educational purposes only. This self-assessment is not a financial plan or a recommendation, and your answers are not saved or sent anywhere. Securities and investment advisory services are offered through Osaic Wealth, Inc., member FINRA/SIPC. Neither Osaic Wealth nor its representatives offer tax or legal advice. [Osaic approval # pending]
How we help
You’ve built a career and have started an investment portfolio. Now: how much can you spend, and how much can you keep?
Nancy’s clients are entrepreneurs, well-compensated corporate employees, physicians, dentists, veterinarians, nurses, business professionals and owners of small and mid-sized companies. They are building real wealth, and they want to know the income will be there — for as long as they need it.
We employ multiple, proven financial planning strategies, explain the pros and cons in plain English, and build a roadmap around your goals.
*Guarantees are based on the claims-paying ability of the issuing insurance company. Annuities and insurance products are not suitable for everyone and contain fees, limitations and surrender charges. Neither Osaic Wealth nor its representatives offer tax or legal advice. Please consult your CPA or attorney.
Meet Nancy
A coach for your financial health.
Nancy J. Hite is the founder of The Strategic Wealth Advisor®, a CFP® professional and a fiduciary — an Accredited Investment Fiduciary® (AIF®). She believes everyone deserves a coach for their financial health, just as they have a doctor for their physical health.
“When I begin working with a new client, I personally review the portfolio they come in with and review their goals. We optimize your financial plan to provide needed income, growth, legacy, savings, and to pay for all necessary health care.”
Many of Nancy’s clients come to her for the same reason. They want enough income to live the life they desire while still leaving a legacy to family and charity. Her commonsense approach — and her favorite reminder that “the only person you can trust to take care of your older self is your younger self” — keeps every plan grounded.
Check the background of this investment professional on FINRA’s BrokerCheck.
From Nancy’s books
A lighthouse guiding you to safety whenever a financial storm is on the horizon.
Nancy has written two books on thinking differently about money, taxes, financial planning and longer lives.
*Ranking as reported by the author. [Source documentation to be confirmed before launch.]
New Insights
Timely perspective from Nancy.
Short, practical articles on retirement income, Social Security, taxes and legacy planning.
Why Waiting to Claim Social Security Can Pay You for Life
Claiming at 62 can feel like taking money off the table. But for many people, the bigger reward comes from waiting — and the benefit lasts as long as you do.
What It Means to Work With a Fiduciary
Not every financial professional is required to put your interests first. Here is what the word “fiduciary” really means — and the questions worth asking any advisor.
Pay the Taxes on the Seeds, Not on the Harvest™
Most retirement accounts are tax-deferred, not tax-free. Would you rather pay taxes on the money going in — or on the much larger amount coming out?
Your next chapter deserves a roadmap.
Let’s talk for 20 minutes. No cost, no obligation — a clear picture of where you stand today, and a practical path to the lifestyle you want.
or call the office at 561-997-8800 or Nancy’s cell at 561-690-6002