Nick Smith

Partner, Registered Representative

Nick Smith, a Partner at American Heritage Financial in Pensacola, Florida, boasts over 18 years of experience in the Insurance and Financial Services industry. His professional journey has seen him excel in both Agency Ownership and Managerial roles across diverse companies, crafting a unique strategic approach to guide clients toward financial success.

Whether you’re a young family, business owner, pre-retiree, or post-retiree, Nick is adept at tailoring solutions for both short-term and long-term financial needs. His commitment to client-focused strategies ensures the optimization of objectives, drawing from a well-rounded knowledge base to meet and exceed expectations.

Beyond his professional endeavors, Nick finds fulfillment in his role as a husband to his wonderful wife Rachel and a father to four children: Tyler, Hailey, Colton, and Jayce. An avid sports fan and coach, Nick cherishes his free time spent with family at the beach, engaging in golf, and savoring the art of barbecuing.

AHF Wheel of Services

circle-wills-trusts
circle-wills-trusts

Wills / Trust Reviews

Leaving a legacy requires discipline and preparation. We can work with you to develop a tax-efficient plan that helps provide for the people and passions you care about the most.

Tax Strategies
Tax Strategies

Tax Strategies

While most tax preparers focus solely on the current year’s taxes, we plan for the future and highlight long-term strategies (after-tax, Roth and pre-tax) that fit your situation. While we don’t give specific tax guidance or prepare taxes, we often work directly with your tax professional to identify ideas that could make a meaningful impact now and in the future.

investments-icon
investments-icon

Investments

Once you reach life’s distribution phase — those long-awaited retirement years — it’s imperative to identify investments and strategies that align with your goals, risk tolerance and income needs. We can walk you through options to help ensure you never need to worry about running out of money.

Social Security
Social Security

Social Security

The question isn’t when can you begin taking your Social Security benefit (between 62 and 70); it’s when should you. We will detail many factors and considerations that go into Social Security optimization and help you determine ways to potentially increase your lifetime benefits.

Medicare
Medicare

Medicare

Let’s face it, Medicare can be confusing. But it doesn’t need to be. We can answer your questions and cut through the noise, making sure you have suitable medical and prescription drug coverage and clearly explaining options for covering the 20% of medical expenses that Medicare doesn’t cover.

401k Pension
401k Pension

401k / Pension

Understanding how your retirement program works is the first step toward reaching your goals. We can help you evaluate pension settlement options, make wise investment choices related to 401(k) or 403(b) plans and explain how your wealth is growing so you can have confidence your future is secure.

Workplace Benefits
Workplace Benefits

Workplace Benefits/Business Owner Solutions

If you’re a business owner struggling to recruit or retain key employees and provide attractive benefits, or if you’re contemplating a business transition, we can work with you to build a strong incentive plan and increase value. We create innovative solutions to help protect your business, your employees
and your lifestyle.

Long Term Care Options
Long Term Care Options

Long-Term Care Options

Preservation. That’s what long-term care is all about — shielding you and those you cherish from the unknown. We can assist in devising a long-term care strategy to give you confidence that, no matter what the future holds, your loved ones will be taken care of and your assets will remain intact.

Insurance Programs
Insurance Programs

Insurance Programs

The features of insurance policies can vary widely, meaning it’s essential to understand what your policy covers, who your named beneficiaries are, what limits you have and what triggers a loss. We can help you analyze and (if needed) adjust your plans to help eliminate surprises and ensure your needs are covered both now and in the future.

Contact Nick Smith*

Or fill out this form:

jernigan_img_1

If You’re Ready to Have a Conversation, We’re Ready to Help

Contact us today to learn how we have helped hundreds of individuals and families find the financial independence they sought by delivering services and products tailored to their distinct needs, goals and circumstances.

Call Now Button