RJ Hill's Financial Services, LLC

RJ Hill’s Financial Services provides wealth management and integrated tax-planning services to individuals and closely held businesses, with an emphasis on farmers and clients in blue-collar trades. Services described in the brochure include asset management (both discretionary and non-discretionary), estate-plan review, tax planning, educational seminars, and access to insurance products and tax-return preparation through affiliated businesses.

The firm’s investment approach emphasizes diversification and integrated asset allocation that considers economic outlook, risk tolerance, and tax consequences, using both fundamental and technical analysis. It offers both discretionary and non-discretionary management and, as disclosed, manages roughly $1.05 million on a discretionary basis and $3.35 million on a non-discretionary basis, so the majority of client assets are handled non-discretionarily.

What distinguishes the firm from many peers is its formal linkage to an insurance brokerage and an affiliated tax-preparation/consulting practice, and its informal family-office model that emphasizes farm-culture values and community education. The brochure discloses that affiliated insurance and tax activities occupy substantial time and produce commission/consulting compensation, and it describes conflict-of-interest disclosures and mitigation steps such as fiduciary duties and client approvals.