Investing for your retirement
Cost
For those in our comprehensive service plan, investment management is included in our flat-fee at no additional cost.
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.