the hilltop experience

As a Fee-Only Advisor, we do not receive commissions on products. We believe that your comfort and understanding with the strategies and products we recommend is foundational to the planning process. Therefore, we commit to remaining free of conflicts of interest when it comes to recommending products and investments. 

We understand that choosing a financial planner is a major life decision. We also feel that pushy sales tactics don’t help with the anxiety of choosing a planner. At Hilltop Planning, we want to give you room to breathe. We work on your timeline, not ours.

If you think of Hilltop as a gardener of your assets, it’s important to know we don’t own the farm. At any time, you can ask our preferred custodian, Charles Schwab, to remove Hilltop’s assess, and your accounts will remain as is.    

With over a decade of teaching and coaching in public high schools, Jeff has fine-tuned the art of active listening.  He understands retirement can be a reflective and emotional period of one’s life.  We believe there are no bad questions or unjust feelings when it comes to your finances. 

Hilltop is intentionally built to be small, personal, and responsive. In a world becoming increasingly automated, we strive to put the human back into financial services.

We strive for transparency in all facets of financial planning, including what you are paying. Our flat-fee model simplifies pricing so you know exactly what you are paying without any surprises.

We understand the added stress to irrevocable financial decisions, or the apprehension to being tied to a contract with surrender fees. There is no long-term commitment with Hilltop, which is the way we like it. We feel it is our duty to earn your continued trust everyday.