Our Advisors

At National Financial Advisors Ltd, our team is committed to an uncompromising level of personal service, problem solving and accountability. Building strong client relationships built on trust and respect is a priority.

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Thomas M. Niver, CLU, ChFC

Founder and CEO

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Rebecca Hettinger

Financial Advisor

Thomas M. Niver, CLU®, ChFC®


Talking about personal finances does not come easy for most people. That’s why Tom Niver takes the time to learn all he can about your life and your vision for your future. He believes in building strong, long-term relationships that are built on a foundation of respect for your personal beliefs, integrity and trust. His goal is to help clients understand their current situation, develop realistic goals for their future and, together, formulate a strategy to help them reach those goals.

Tom develops customized financial strategies for individuals and their families as well as business owners and their loved ones. As an independent financial advisor, he has access to a broad array of financial tools, products and intellectual resources enabling him to bring powerful, personalized attention to each client’s needs and objectives.

He has worked in the financial services profession for over thirty years. After starting two successful financial services firms for larger companies, in 2008 he established his own independent financial advisory practice, National Financial Advisors, Ltd.

Firmly established in the Denver Community and a believer in “giving back”, he is very proud to be the 2013 President Elect of the Golden Rotary Club and will be President of that organization in the 2014-2015 term.

Tom has a B.S. degree from Syracuse University in Syracuse, New York and holds the CLU and ChFC designations from the American College, Bryn Mawr, Pennsylvania.

An avid fly fisherman, Tom also enjoys alpine skiing, back-packing and spending time tending his alpine garden.

Rebecca Hettinger

Financial Advisor

Rebecca has been in the Financial Services Industry since 2012. She strives to help her clients live for today, and build and protect resources for a thriving future.

Rebecca’s passion is educating and assisting individuals as they pursue financial and retirement goals. She uses her analytical skills and communication talents to explore complex situations so that her clients can have ease and clarity as they work towards their financial goals. Her goal is to keep clients focused on their objectives while ensuring that the client fully understands what is being offered so they can make a fully informed decision.

As her clients invest for the long term, Rebecca’s invests in her clients for the long term. She believes strongly in multi-generational planning and in helping clients and their families reach their financial goals.

Rebecca holds both her Series 7, Series 66 and Life and Health Insurance licensing. She is currently working towards achieving her CFP License.

Rebecca’s past experience is with a Self-Directed IRA firm where she supported clients in their investment requests and reviewed alternative investments to ensure that Individual Retirement accounts would meet IRS and administrative compliance. She was the leader of her team and specialized in private equity transactions.

When not working with clients, Rebecca and her husband, Joe, enjoy hiking, boating and traveling.