Services

Comprehensive planning built around what your money is for.

Practical and highly effective financial planning and retirement planning from Nancy J. Hite, CFP®, Fiduciary (AIF®), CLU®, ChFC®, CWS® — so you can live the lifestyle you want today, tomorrow, and throughout your retirement.

01

Current & future income

Strategies designed to turn savings into guaranteed lifetime income for the life you want now and decades from now.* Nancy looks at your human capital (your ability to earn and save) together with your financial capital to see your whole financial picture.

  • Retirement income strategies built to last into your 90s and beyond
  • Guaranteed lifetime income options*
  • Planning for “encore” careers and hybrid retirements
  • A financial umbrella so a rainy day does not derail your plan

When you claim Social Security is one of the most valuable — and least reversible — decisions in retirement. Nancy helps you determine the very best age to claim Social Security, and she coordinates this with the rest of your financial plan, your taxes and your spouse’s retirement benefits to provide the maximum retirement income possible.

  • You can claim as early as 62 or as late as 70 — we will figure out the best age for you to claim your benefits
  • For each year you wait past full retirement age, up to age 70, your benefit grows by approximately 8%
  • Spousal and survivor benefits are planned together so the surviving spouse will be protected
  • Claiming is timed with withdrawals to help manage and, where possible, reduce the taxes on your benefits

02

Social Security timing

03

Tax-efficient strategies

“Pay the taxes on the seeds, not on the harvest.™” Most retirement accounts are tax-deferred, not tax-free. Nancy provides retirement planning options, including making the very best use of Roth retirement plan options, designed to help reduce current taxes and future taxes, coordinated with your CPA or tax advisor.

  • A review of how and when your savings will be taxed
  • Options that may help create more tax-free income in retirement
  • Coordination with your CPA or tax advisor, every step of the way

Thoughtful strategies for 401(k), 403(b) and 457 plans, pensions and IRA withdrawals, all timed with Social Security and tax optimization in mind. When and how you draw income can matter as much as how you saved.

  • Withdrawal optimization across 401(k), 403(b), 457, Roth IRA and regular IRA accounts
  • Pension payout options weighed side by side
  • Rollover and consolidation strategies and implementation
  • Planning ahead for required minimum distributions

04

Retirement plan distributions

05

Investment strategies

Portfolios designed to accomplish what the money is intended for: diversification, income, growth, protection or legacy — or a combination of all of those things. “The DNA of the market is volatility.™ It is not IF but WHEN.™” We expect volatility and we protect you from it.

  • Portfolios built around your goals, timeline and comfort with risk
  • Diversification designed to successfully handle market volatility
  • Ongoing monitoring and regular review meetings with you

Nancy J. Hite, CFP®, will help you plan for a long, healthy life, rising healthcare costs, inflation and long-term care — so even if you encounter a detour, you will still be able to get back on your desired path.

  • Healthcare and Medicare costs will be easily handled through your financial plan
  • Long-term care strategies, before you need them
  • Life insurance and income-protection reviews, with action taken where needed
  • Inflation is accurately calculated in every projection, along with proven strategies for protecting you from inflation

06

Longevity, healthcare & long-term care

07

Multi-generational & legacy planning

Your “spend it never” money deserves a plan too. We provide multi-generational planning for children, grandchildren, loved ones, charities and your faith community, coordinated with your estate planning attorney.

  • Family-wealth planning across generations
  • Charitable and faith-based giving strategies
  • Beneficiary and document reviews with your attorney

*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. Social Security figures reflect current Social Security Administration rules for people born in 1943 or later.

Who we serve

People who have built something worth planning for.

Entrepreneurs, well-compensated corporate employees, physicians, dentists, veterinarians, nurses, business professionals and owners of small and mid-sized companies — each with the same question: how much can I spend, how much can I invest, how should I invest it, and how much can I keep?

Entrepreneurs

You built something from the ground up. Now make sure it funds the lifestyle — and the legacy — you want.

Corporate professionals

A strong income, workplace retirement plans and a demanding career, coordinated into one clear plan.

Physicians & medical professionals

A later start to your career, high income and high taxes. Nancy will help you develop the financial plan you need.

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Dentists & veterinarians

Practice owners balancing personal wealth, taxes and an eventual sale or transition.

Nurses & healthcare professionals

Pensions, 403(b) and 457 plans, and demanding schedules — turned into income that lasts.

Business owners & professionals

Owners of small and mid-sized companies and the professionals who keep them running.

Neither Osaic Wealth nor its representatives offer tax or legal advice. Please consult your CPA or attorney regarding your specific situation.

The Strategic Wealth Advisor compass mark

Which job should your money be doing?

In 20 minutes, Nancy can help you see which of these matter most for you right now — and what to consider next.

or call the office at 561-997-8800 or Nancy’s cell at 561-690-6002