The fear of running out of money during retirement has some families held hostage. Even those with considerable wealth find themselves forgoing nice vacations and putting off necessary major purchases. “Your retirement years are for living,” says Hilltop Wealth Solutions CEO/President Erik Brenner, CFP®. “It’s heartbreaking to meet individuals who carefully disciplined themselves so they could retire with a healthy nest egg but aren’t confident they will have enough money to last. We want to help clients be able to enjoy their successes and enter retirement boldly.”
Brenner founded Hilltop Wealth Solutions as an alternative to typical investing services provided by broker/dealer representatives or compensated sales agents. “Brokers are employed by brokerage firms, not the investor,” explains Brenner who is joined in practice by partner, Elizabeth Foley, CFP®, CRPC® and advisors Bill Davis and Matt Aurenz, ChFC®. “As a Registered Investment Advisory firm, we sit on the same side of the table as our clients and are duty-bound as fiduciaries to work solely in their interest. We don’t answer to stockholders or have sales quotas, and we aren’t limited in what we can offer. If a client has a problem we can’t solve, we have the flexibility to find an answer.”
It’s All About Income, Income, Income
With 90 years of combined experience, the Hilltop team has a reputation as the Retirement Income Strategy Experts. Helping increase the predictability of their clients’ financial success and independence is their passion and mission.
Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
“Investors have plenty of advisors from whom to choose to help them build the size of their portfolio,” says Brenner. “But because an advisor’s income may be tied directly to the amount of assets their clients own, investors who begin spending down assets after retirement find far fewer advisors willing to work with them to createan income plan. Worse, most advisors are not experts in these important issues. Yet that is when investors are most vulnerable. Just as in mountain climbing, where a majority of fatalities occur on the descent, investors face their biggest pitfalls after they start receiving disbursements.”
You have a choice. Hilltop advisors understand it’s not how much a client has saved, but how well their assets allow themto achieve their goals. The point of retirement planning is to create stable, predictable income streams.
Every investor has a different situation and what is good for their friends and family might not be the best for them. Investors who lack wise financial guidance in this stage of life may feel desperate and be vulnerable to the lure of inappropriate solutions hyped in the latest financial headlines or recommended by well-intentioned neighbors. Without the benefit of expert advice from a trusted professional, these investors may miss opportunities and see their hard-earned savings slipping through their fingers as they pay excessive fees and taxes, healthcare costs and other expenses.
Acting as the family’s CFO, Hilltop Wealth Solutions coordinates investment strategy with wealth management, risk management, tax efficiencies, retirement income planning and legacy planning. They work to protect against inflationand a volatile market. They utilize often-overlooked social security withdrawal strategies that can help them resolve tax obligation issues and increase their clients’ cash flow, saving thousands over a lifetime.
“Simply stated, our job is to help our clients be efficientwith the money they worked so hard to save.” —Erik Brenner, CFP®
No client or potential client should assume that any information presented or made available on or through this video and any related handouts should be construed as personalized financial planning or investment advice. Personalized financial planning and investment advice can only be rendered after engagement of the firm for services, execution of the required documentation, and receipt of required disclosures. Please contact the firm for further information. Investment advisory services provided by Hilltop Partners, LLC, d/b/a Hilltop Wealth Solutions, an Indiana registered investment adviser. Information regarding the firm’s services, fees, and additional disclosure information can be found by accessing www.adviserinfo.sec.gov and following the search instructions.
This content was provided by Financial Service Directory. Kiplinger is not affiliated with and does not endorse the company or products mentioned above.
