An April Letter to Clients: The Covid Economy, a Year Later

This time last year, the World Health Organization recently had declared that the spread of Covid-19 constituted a  worldwide pandemic.

Seven Steps for Staying Ahead of Scammers

When was the last time you received a phone call or email from a scammer? It you were contacted recently, you aren’t alone.

A Winning Combination: Tax Preparation & Planning

Many of you have started working on your 2020 tax returns, or you’re at least thinking about them. But how many of you really think about taxes when it comes to your overall financial plan?

What Happens to Your Insurance Policy When Your Insurer Sells A Block of Its Business Lines

New Retirement Daily/The Street Article by Erik Brenner

Should I Consider Doing A ROTH Conversion?

Will you need the distributions from your retirement account?

A December Letter to Clients: Some Taxing Issues and Market Round Up

I know it’s a busy time. But it’s not too soon to start thinking about taxes. In prior conversations, we have discussed year-end planning. But let’s concentrate on taxes before the new year begins.

July, 2020 Market Commentary –
A Bounce in Economic Activity and COVID-19 Cases

We are now in a recession, according to the National Bureau of Economic Research. 

Eldercare Choices in the COVID-19 Era

Given the threat of COVID-19, seniors today may be considering their extended care alternatives with extra caution.

The Pros and Cons of Early Retirement Plan Rollovers

Did you know you might be able to take some or all of the money in your 401(k), 403(b), or 457 plan and roll it over into another type of retirement account?

Retirement insight – July, 2020

Monthly News and Information for Current and Future Retirees
Presented by Hilltop wealth solutions – June 2020

June, 2020 Market Commentary –
The Approaching Light Before the Dawn

We cannot remember a time when we’ve seen such a widespread disparity between what is happening in the economy and what is happening in the stock market.

Market Volatility Is Impacting Your Savings | Webinar

Hilltop founder & president Erik Brenner presents this informative webinar on how recent changes in the market are affecting your savings.

What this online presentation will cover:

  1. HEALTH EPIDEMIC & THE ECONOMY: Learn the latest on how your retirement assets & legacy could be at risk.
  2. MARKET VOLATILITY: Strategies to help protect your assets from a market downturn.
  3. THE SECURE ACT: New 2020 tax legislation could turn your IRA into a tax burden for your heirs. Learn the crucial mistakes you should avoid.
  4. TAX REDUCTION STRATEGIES: Help reduce taxes on your Social Security, Capital Gains, Interest Income, & more.
  5. RETIREMENT INCOME: Will you have enough? Learn strategies to generate guaranteed income for life

Client Update | 5-19-2020

The CARES Act Consumer Overview.

As the United States faces the COVID-19 pandemic and business comes to a standstill, the federal government responded with tax-filing relief and a massive stimulus package. Both actions include details that may impact your retirement accounts. Here is what you need to know.

10 Important Facts about the End of the Bull Market.

As an investor, experiencing the effects of the investment cycle, including bear markets is a fact of life. While downturns can understandably cause concern, it’s important to remember that bear markets are a normal part of the investment cycle and the stock market has recovered from every past correction and recession.

Rattled By Markets, You're Not Alone.

We witnessed extraordinary moves in the financial markets the week of Monday, March 9.

5 things you need to know to ride out a volatile stock market.

When markets become volatile, a lot of people try to guess when stocks will bottom out. In the meantime, they often park their investments in cash.

Market Update on Coronavirus [3/11/2020].

Click the icon to launch the video.

Tax Considerations for Retirees

The federal government offers some major tax breaks for older Americans. Some of these perks deserve more publicity than they receive.

Health Care Costs Cutting into Retirement Preparations

You may have seen this statistic before or one resembling it: the average 65-year-old retiring couple can now expect to pay more than $250,000 in health care expenses during the rest of their lives.

Website Disclosures

Hilltop Wealth Solutions (“Company”) is an SEC registered investment adviser located in Mishawaka, IN with branch office located in MI and other locations throughout IN.  The Company may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements.  The Company’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links.  Accordingly, the publication of the Company’s web site on the Internet should not be construed by any consumer and/or prospective client as the Company’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by the Company with a prospective client shall be conducted by a representative that is either registered or qualified for an exemption or exclusion from registration in the state where the prospective client resides.  For information pertaining to the registration status of the Company, please contact the SEC or the state securities regulators for those states in which the Company maintains a notice filing.  A copy of the Company’s current written disclosure statement discussing Company business operations, services, and fees is available by going online via the SEC’s Investment Advisers Public Disclosure (IAPD) database at, using SEC #801-115255.

The Company does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to the Company web site or incorporated herein and takes no responsibility, therefore.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by the Company, will be profitable or equal any historical performance level(s).

Certain portions of Company web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, the Company (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from the Company, or from any other investment professional.

The Company is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if the Company is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of the Company by any of its clients.  Rankings published by magazines and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.  Rankings are generally limited to participating advisers.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to the Company web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from the Company, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to the Company web site, to release and hold harmless the Company, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from the Company.

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