Hilltop Financial Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Hilltop Financial Advisors serves individual clients with discretionary portfolio management and a range of financial planning services, from comprehensive plans and ongoing planning relationships to shorter engagements such as a 90‑minute “Simple Start” session, hourly planning, and a dedicated student loan repayment plan. The firm provides implementation and monitoring of investment portfolios as well as coordinated financial planning on topics like retirement, insurance, tax-aware investing, and estate considerations.
The firm’s investment approach is primarily passive, constructing asset-class allocations using index mutual funds and ETFs and typically managing client accounts on a discretionary basis; active managers may be used in select situations. Portfolio construction is tailored to each client’s objectives, time horizon, liquidity needs, and risk tolerance, and clients may impose reasonable investment restrictions.
A distinctive feature in the brochure is the firm’s explicit focus on student-loan advising: the principal operates a separate student‑loan business serving borrowers generally over 50 and the adviser reports devoting a significant portion of time to that activity (approximately 30% in the brochure supplement). The firm is fee-only, does not accept third‑party or performance‑based compensation, and generally recommends custody through an institutional platform that provides research and operational support.
Client services
Expertise
Demographic focus
Fee options
Comprehensive Financial Plan: generally $2,000 - $4,000 (negotiable); Student Loan Repayment Plan: generally $750 per person (negotiable); Simple Start Program: generally $750 (negotiable)
$0 - $1,000,000: 1.00% $1,000,001+: 0.75%
$250.00 per hour for financial planning services
Ongoing Planning: annual fee of $5,000 or based on AUM fee schedule (whichever is greater), billed monthly or quarterly in advance
Fee-only: Hilltop Financial Advisors is a fee-only firm compensated solely by its clients; no commissions received.
Main office
9000 W Chester St, Suite 100
Milwaukee WI 53214
Advisors at this office
1
Most active in
Wisconsin
Also doing business as
Hilltop Financial Advisors · Hilltop Financial Advisors, LLC · Student Loans Over 50
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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