MythBusters for Investors

Please join Hilltop CEO Erik Brenner for an EDUCATIONAL SESSION at 6 p.m. on TUESDAY, SEPT. 21 at the HARRIS BRANCH of the MPH Public Library, Granger!

If you’re like most hardworking Americans, you don’t want to work forever, and retirement is something you look forward to enjoying.

However, having a plan is critical to your health, happiness, and, ultimately, your longevity. Join Hilltop President Erik Brenner CFP® to discuss strategies to plan full-speed ahead — while protecting yourself from inflation and volatile markets.

You will learn how to:

• Build Your Assets
• Protect Your Assets
• Enjoy Retirement

Limited Seating! RSVP to (574) 889-7526 or at

Some highlights from “MythBusters for Investors” on WSBT-TV’s HomeTown Living:

Watch Hilltop President Erik Brenner CFP® bust Retirement & Financial misconceptions with WSBT-TV’s HomeTown Living co-host, Craig Gibson.


Hilltop Wealth Solutions invited WSBT-TV’s HomeTown Living to its Mishawaka office at Edison Lakes to separate fact from fiction.

With co-host Craig Gibson’s assistance, Erik got to the bottom of some of the financial planning world’s most common rumors, popular beliefs, and urban legends.

Let’s start with one of the biggest financial myths — that you need to be rich to invest.

Deciding when and where to invest depends on many factors.

  • Your Goals
  • Your Time Horizon 
  • Your Risk Tolerance 

But you definitely don’t need to have a massive amount saved before you start.

What you need — to be a successful investor — is time. Because the longer you stay invested, the harder your money works for you!

What about this, “Stocks on ‘best of’ lists are always good buys?”

Just because a stock is popular doesn’t mean it’s a “great deal.”

That’s in large part because everyone now thinks the stock is good. And everyone wants to buy it.

Even a reputable company can be a bad stock investment — if you pay too much.

And significantly paying more for a stock — more than what that stock will earn — is generally not a recipe for success.

One of the fear factors holding would-be investors back is, “investing is like gambling.”

Many believe that when you become active on Wall Street, you have about the same chances of turning a profit as you do in a game of blackjack. Is this true?

No, it’s not. Investing in a diversified portfolio, taking a long-term time horizon, and only withdrawing from the portfolio when appropriate — is not gambling.

However, it is risky to put all your money into one stock — no matter how much regard you have for it.

It’s also risky to hold a portfolio as a “rainy day” fund and withdraw from it at a minute’s notice to cover unforeseen expenses.

Whether playing a game of poker or making an investment, you have to put some money on the line to participate. And if you make the wrong move it will lead to losses. But the “investing-is-like-gambling” myth was born from the fear of loss — and it’s an emotion that many first-time investors work hard to keep in check.
So, if you want to invest and grow your wealth — but you’re scared of losing money — that seems like the perfect reason to attend Hilltop’s upcoming workshop!

Please join us at the HARRIS BRANCH, Mishawaka-Penn-Harris Public Library on Tuesday, Sept. 21 at 6 p.m. where Erik will offer personal guidance to help attendees manage and grow their assets.

Visit or call (574) 475-7366 to sign up for a FREE complimentary retirement assessment.


Hilltop Wealth Solutions is a registered investment adviser. This is not intended to be relied upon as investment advice, nor an offer to solicit to buy or sell any securities.

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.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.