Investing for your retirement
Investing with purpose
We believe your dollars should be assigned to tasks. We integrate financial planning and investment management to determine income needs and invest with purpose.
Location
Our preferred custodian is Charles Schwab. If you have assets with a different custodian, Hilltop Planning will assist in transferring those assets to Schwab for you.
Philosophy
We believe in efficient markets, and are proponents of low-cost indexing over active management for longer-term needs. For shorter-term needs, we can match liabilities with historically less-risky asset classes.
Personalized Strategy
Investment strategies at Hilltop Planning are unique to each client’s withdrawal rate, risk-tolerance, liquidity needs, amount of auxiliary guaranteed income, health care plans, and discretionary income.
Cash Flow Management
Cash flow management is a critical component of each retiree’s plan and investment strategy. We will craft a cash-flow plan to suit client liquidity needs and comfort with buffer reserves.
tax efficiency
We believe investing can be achieved tax-consciously with tax planning top-of-mind. When possible, we believe evaluating asset allocation within the context of asset location can facilitate greater tax efficiency.