Hilltop Wealth & Tax Solutions

Hilltop Wealth & Tax Solutions is an SEC‑registered, team-based advisory firm that manages roughly $616 million for about 829 clients across nine advisors. The firm provides discretionary portfolio management, comprehensive financial planning, retirement‑plan participant account management using a third‑party Pontera order management platform for held‑away plan assets, and refers clients to an affiliated tax and bookkeeping practice for tax preparation.

Investment advice is tailored to each client’s objectives, risk tolerance, and tax and estate considerations, and implementation can include mutual funds, ETFs, separate account managers, and security‑level strategies; the firm describes use of quantitative models, third‑party software, and option strategies (including covered calls and hedging) where appropriate. Accounts are reviewed at least semi‑annually with periodic rebalancing and client reporting, and Hilltop relies on custodial relationships and external vendors for trade execution, reporting, and back‑office services.

Distinctive features disclosed in the brochure include that several advisory personnel are registered representatives of a broker‑dealer and may receive transaction‑based compensation (noted as a potential conflict of interest), and the firm maintains multiple branch offices (five or more). The brochure also discloses a range of affiliated and marketing activities uncommon for peers — including an affiliated tax firm, a nonprofit initiative, use of podcast/third‑party marketing services, and entrepreneurial affiliations and book authorship by a firm principal — all of which the firm identifies as relationships that could create conflicts and that it monitors in its disclosures.