Stephen F. Hill And Associates L.L.C.

Stephen F. Hill and Associates L.L.C. provides personalized investment management and financial planning primarily to individual clients, offering consultations on financial objectives, cash flow, tax planning, insurance review, education funding, retirement planning, and estate planning. The firm offers ongoing asset management across mutual fund, ETF, enhanced cash and select stock-basket programs and reports $45,000 in non-discretionary assets under management as of December 2022.

Investment strategies are tailored to each client’s documented objectives and risk tolerance, with an Investment Policy Statement used to guide allocations and reviews performed at least quarterly; security analysis methods include fundamental, technical and cyclical analysis and may incorporate long‑term purchases, short‑term trading and options strategies. Clients retain asset control through third‑party custodians, with advisory fees billed through those custodians and periodic account statements provided directly to clients.

Noteworthy distinctions include affiliations with other advisory businesses and an independent insurance practice maintained by the firm’s principal, which the brochure discloses can create conflicts of interest — the principal spends up to 20% of time on insurance activities and also works with another advisory firm, and clients are not required to use those services. The firm also discloses that it does not vote client proxies (clients vote their own proxies) and that its reported assets are held as non‑discretionary, features that differ from many peers.