Broker Check
Nicholas Richards

Nicholas Richards

Financial Professional

(561) 907-1094

nick.richards@westshorefinancial.com

LinkedIn

Client Centered

Growing up in a family that faced financial struggles fueled my early understanding of the profound impact that financial well-being can have on one's life. The majority of my financial education during those formative years centered around learning what not to do, an invaluable insight that laid the groundwork for my commitment to sound financial practices.

While at the University of Florida, I had the privilege of serving as the President of the Christian Business Leaders and as the Vice President of the Florida Wealth Management Association. Now, as a Financial Representative at Westshore Financial Group, I bring this multifaceted background to the table. Beyond financial intricacies, you'll discover my love for culinary creations and embracing water adventures—whether it's casting a line, riding the waves, or wakeboarding.

As you might already be able to see, my journey isn't just about a job; it's a heartfelt passion. Every day, I'm driven by the desire to make a positive impact in people's lives through financial guidance, rooted in the understanding of the challenges faced by families. I truly believe that thoughtful planning can transform not just our wallets but our overall well-being. I'm here to offer not just advice but a genuine relationship, providing the support and knowledge needed for financial success.

So, my commitment is simple: let's make a positive impact, one financial goal at a time. I'm always up for a chat about finance, fishing, cooking, water adventures, music, or anything else that piques your interest!

Retirement Income Planning

Retirement Income Planning

Building a sound strategy for your retirement is important. Being able to maintain your accustomed lifestyle into your retirement years and even potentially increase your post-retirement income is the ultimate goal.

Before building a strategy for the years ahead, it’s important to fully understand where you are today. The Living Balance Sheet® provides a wide-angle view across the four critical financial domains and shows how they work together. That knowledge, in and of itself, can transform the way you live your retirement life and liberate you to spend and enjoy assets more readily during your lifetime.

Accumulation Planning

To build and protect your future, it’s important to have a complete picture of where you are today financially – and an understanding of how the individual financial decisions you make can work together to get you to the best possible place.

We teach a fundamental strategy to organizing financial priorities and understanding which decisions you should consider making first.

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Products and Services Offered


  • Education Planning
  • Retirement Planning 
  • Debt Management

  • Cash Flow Management
  • Estate Planning
  • Retirement Income Planning
  • Disability Insurance
  • Life Insurance
  • Long Term Care Insurance
  • Business Growth Strategies

  • Business Exit Strategies
  • Fixed Annuities
  • Savings Strategies

I want to make sure your entire financial picture is as good as it can possibly be.  I use a propriety analysis tool, called The Living Balance Sheet®, that helps you see your entire financial picture through a wide-angle lens.  I provide life insurance and disability insurance protection through highly rated carriers such as Guardian Life Insurance Company, but have the ability to offer coverage through multiple carriers to provide the appropriate fit for you.  

Connect with Nick

(561) 907-1094

nick.richards@westshorefinancial.com

LinkedIn

Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY.