Graduate school can be a worthwhile investment, but it can also be expensive and time-consuming. To help you weigh your options, take these three steps:

With an HSA, not only do you get a tax deduction on the money you contribute, but the earnings in the account are tax-deferred and the withdrawals are tax-free if you use the funds for qualified medical expenses*. Read on to learn more about the HSA and why you might want it to be part of your longer-term savings plan.

The SECURE Act 2.0 significantly changes the rules of retirement savings. The good news for savers in or near retirement is that most of SECURE 2.0’s provisions offer greater flexibility than previous rules, and there are some new opportunities available.

David and Chris share Hilltop’s latest investment views: just how bad the markets were in 2022, what we can look forward to this year, and how Hilltop is updating allocations.

For younger investors, we believe the overarching theme of SECURE 2.0 is greater opportunities to save for retirement. Here are five of the biggest updates for young professionals.

If you have federal student loans, you have undoubtedly enjoyed the past few years of zero interest + zero required payments on your loans. However, federal student loan payments and interest accrual are set to resume by mid-2023, and this could be a harsh awakening for many loan borrowers.

There’s no one right or wrong way to approach financial advising, but given the plethora of options it’s not surprising that only 35%* of Americans work with a financial advisor – it’s so hard to know when and where to start!

At some point, you realize the Internet doesn’t have all the answers you need. Sometimes facts and general education aren’t enough – you need someone who knows you and can help you make a decision.

Brittany and Rusty share Hilltop’s current views on challenging bond markets, rising interest rates and recession risk, low unemployment, and how we’re updating allocations.

If you’ve built up substantial savings in your 401(k) or another retirement plan, professional management could provide significant benefits. Here are five ways an advisor can help.

Ben and Curtis share Hilltop’s current views on the Fed’s tightrope act, recession concerns, persistent inflation, how we’re navigating current markets, and more.

Chris and David share Hilltop’s current views on the Fed, inflation, deglobalization trends, how we’re navigating current markets, and more.

Curtis and Rusty share Hilltop’s views on inflation, economic reopening, market opportunities, and more.

Hilltop will share our quarterly outlook video in a few weeks. But with the daily fluctuations being as wild as they are, we wanted to share a sneak preview of our thoughts.

For families who are in the position of paying for daycare or a nanny, it can still be a complicated decision to make because there are many factors to consider - some of these factors are financial, some are less quantifiable. While every family should make the decision that is uniquely best for them, it is wise to weigh the potential advantages of either choice.

The new year is right around the corner, so it’s a great time to revisit your charitable gifting strategy. In today’s installment of our series “Uncertain Seas: Navigating 2021 Tax Reform,” Brittany Mollica has a case study in some tax-efficient ways to give.

Brittany and Ben share Hilltop’s views on 3 factors causing recent market volatility, key threats to the ongoing economic recovery, and where we see opportunities in the current markets.

Today we have a case study exploring one way to reduce long-term taxes and build net worth. Exploring Roth conversions, Chris Hostetler shows how reading the winds of your changing tax liability can help you decide whether this strategy might work for you.

Today David Wise demonstrates how we use two of our planning tools, eMoney and Holistiplan, to help you steer your financial ship through changing tax waters.

In this Hilltop Views video, we discuss the differences between income tax preparation and tax planning. As financial advisors we know enough to help navigate the choppy seas of income tax, but we are not income tax professionals. We’ll always make sure to collaborate with your tax advisor before setting a course.