New Retirement Rules

Our Policies / Your Protection

At Hilltop Wealth Solutions, we respect the personal financial
privacy of all our clients and customers, both current and
former. We want our clients to know that we recognize they
have entrusted us with private personal financial information
and it is extremely important to us that all employees, officers
and clients of our firm know our policy concerning what we
do with that information. For more information, reference our
firm’s ADV and Privacy Brochure.

We collect information from the following sources:

• Information our clients provide to us to complete their financial plan
• Information our clients provide to us in agreements, account applications, and other documents completed in connection with the opening and maintenance of their accounts
• Information our clients provide to us orally as well as information we may receive from third parties – such as brokerage firms – about our clients’ transactions with us or with others.

We do not disclose any nonpublic personal financial information about our clients to anyone, except in the following circumstances:

• When it is required to provide services our clients have requested
• When our clients have specifically authorized us to do so in writing: or
• When permitted or required by law

At Hilltop Wealth Solutions we restrict access to clients’ personal information to those employees with a need to know. To ensure security and confidentiality, we maintain electronic and procedural safeguards to protect the privacy
of our clients.

We stress to all employees and officers of our company that everything handled in our offices is private and confidential. Nothing  situation with anyone else who may request information about an account unless they are specifically authorized in writing, by the client, to do so.

You can find our latest ADV and privacy policy at

Security Protection for your personal and account information

To protect our client’s personal information from unauthorized access and use we use the latest security measures that comply with federal laws. These measures include:

• Our technology support partners utilize the best practices in the financial industry to encrypt our computers
• We have an enterprise-grade firewall to protect from outside intruders, while also protecting our outbound information
• All of our local computers are also fully encrypted
• Mobile devices in use within our company have an authentication lock
• All passwords are required to be frequently changed
• Our vendors also utilize various up-to-date cyber security measures to ensure information is safe. We do not control our vendors’ technology; however, we would not partner with them if we believed our client information would be compromised in any way

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.