Nicholas H. Pacheco, CLTC


Nicholas H. Pacheco, CLTC is a Financial Services Representative with over eighteen years of experience in the financial services and insurance industry. Fully licensed in seven states, Nicholas currently runs his agency, Independent Benefit Solutions, LLC out of North Providence, Rhode Island. Nicholas began serving his clients out of a sincere desire to help individuals and families plan for and attain their financial goals. He focuses his practice on efficient retirement income and legacy planning, with an emphasis on building and using tax-free wealth. His clients consider him a trustworthy, caring, and reliable expert, whose hard work and superior service leads to exceeding clients’ goals and expectations.

Nicholas’ advanced knowledge of how true wealth works is an incredible asset to his clients, whom he coaches daily in many areas including:

  • Retirement Income Planning
  • Social Security and pension maximization
  • Minimizing taxes and unnecessary transfers of wealth
  • Life insurance, Medicare and long term care planning

A licensed producer, Nicholas’ consultations with clients are always provided with no fee or obligation. Nicholas is a team-player who works collaboratively with other advisors and mentors to ensure the most comprehensive outcome for his clients on a tax-advantaged and referral only basis.

Nicholas grew up in Tiverton, Rhode Island and graduated from Rhode Island College with a Bachelor’s Degree in Finance. In 1995, he joined the Rhode Island Army National Guard and has since completed three combat tours of duty overseas and is a recipient of the Bronze Star. Nicholas currently resides in Coventry, Rhode Island, where he enjoys maintaining an active and healthy lifestyle and spending time with his family and friends.

Learn More About Our Team Below!

Andrew "AJ" Harmon

President / CEO

Community Partners

Kevin Frisbie

Frisbie & Associates

Nicholas Pacheco

Independent Benefit Solutions

Advisory services offered through Foundations Investment Advisors, an SEC Registered Investment Adviser.
Check the background of this firm on FINRA’s BrokerCheck, Investment Adviser Public Disclosure