Nancy Hetrick

Nancy Hetrick

Senior Financial Advisor

“Financial advisors all have access to the same products and information. Make sure you choose one that speaks your language and has your best interests in mind and not just what’s in your wallet.”

Nancy Hetrick

Nancy Hetrick is a Senior Advisor in our Phoenix Arizona location where she is also the owner and CEO of Smarter Divorce Solutions, LLC. She’s been providing financial guidance and investment advice to her clients since 1999 and after her own less-than-optimal divorce in 2007, acquired the Certified Divorce Financial Analyst (CDFA®) designation to help others avoid the divorce mistakes that she made.

Nancy did not plan to pursue a career in finance. In fact, she went to school thinking she would become a teacher. Little did she know that she would NOT be teaching in the public school system but instead educating her clients on wise money management and financial confidence and guiding individuals and couples through the tumultuous waters of divorce. “Divorce happens but it does not have to be slash and burn devastation. I help couples but closure on their relationships with honor and respect and the financial guidance to make sure that their settlements are structured so that BOTH parties get to keep more of their own money!”

Nancy grew up in the Rocky Mountains of western Montana and is a country girl at heart. Her mother was a victim of domestic violence for over 40 years because she didn’t believe she could financially make it on her own. It was this upbringing that ultimately led Nancy to be driven to make sure that she was financially prepared and educated herself and do everything in her power to help, especially women, be confident with their own money decisions.

Nancy is passionate about continuing education and in addition to her CDFA® credential is a Master Analyst in Financial Forensics, (MAFF ®), an Accredited Wealth Management Advisor (AWMA), an Accredited Asset Management Specialist (AAMS), a Chartered Mutual Fund Counselor (CMFC) and is trained in both mediation and Collaborative Divorce.  Nancy is on the board of directors with the Collaborative Professionals of Phoenix, was the Finance Director for the National Association of Women Business Owners, 2014 and 2015, the 2015 NAWBO Business Owner of the Year, the 2014 Finalist in the BBB Business Ethics Awards, was on the 2014 National Board of Advisors for the Institute for Divorce Financial Analysts, and is a frequent volunteer for the Fresh Start Foundation for Women.

She has published articles in Huffington Post,, was the featured advisor in Morningstar Magazine and is the author of the book Divorce Is Not For Dummies, How To Cover Your Assets. Nancy is so determined to change the face of divorce that she founded the Divorce Financial Planner training center to educate more financial professionals in this field.

In her free time, she enjoys hiking, riding her motorcycle, and spending time with her 4 children and two grandchildren.

NANCY’S MONEY MISTAKE: Not saying anything when my husband-at-the-time insisted on getting a new car even though we were upside-down in our current car and financing the difference.


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