Hilltop Wealth Advisors

Hilltop still remembers our friends and neighbors to the west. You’ve come a long way in the last few weeks, but we know there’s so much more work to be done! Earlier this month we shared that we would donate an additional $5 for every response to our message of support. We received 160 responses! That would be $800, but we’re rounding up and donating $1,000 additional to two funds that will help with ongoing rebuild efforts: the NC Relief Fund and Baptists on Mission. We have also seen a tremendous outpouring of support from our clients, who have increased their charitable giving in extremely generous ways this month. Thank you all!

We’re having a great day at the FPA of the Triangle’s annual symposium! Not the least of Hilltop’s representation is Brittany, our FPA chapter’s president and symposium organizer. Today’s learning includes a wide range of topics: technology trends, diversity and inclusion, new employee recruitment, AI potential, economic updates, and much more! On top of that, we’re meeting and reconnecting with many members of the local advisor community. Thank you to FPA of the Triangle for giving us so much development and networking in one place!

Wrapping up our Tax Planning series, in this Hilltop Views Case Study video from 2021, Chris highlights Roth conversions as a way to reduce long-term taxes and build your overall net worth. In a year with relatively low taxable income, consider Roth conversions to take advantage of lower tax brackets and shift some of your money to an account that could grow tax-free. https://lnkd.in/dawPxPS4

In this Hilltop Views Case Study, Brittany shows a scenario where a Donor Advised Fund (DAF) could reduce your tax bill for years to come. In a year with abnormally high taxable income, consider a DAF as a way to make the most of your charitable donations. https://lnkd.in/g75BtY4a

This Hilltop Views Case Study video is originally from 2021, but the strategy is still the same! Brittany explains why, when gifting to charity, it can be wise to gift appreciated assets versus cash. If you have highly appreciated assets (including employer stock), it could make sense to gift shares directly instead of selling them. https://lnkd.in/ezsJJc54

In today’s Hilltop Views Case Study, Chris shows how making Qualified Charitable Distributions (QCDs) from an IRA can be a tax-smart way to donate to charities in retirement. If you’re over age 70.5, have an IRA, and want to donate to charities, consider QCDs as a way to minimize your taxable income and maximize your charitable giving! As always, talk with your financial and tax advisor. https://lnkd.in/eef6_EUi

It’s important to understand the difference between “tax prep” and “tax planning”. In this Hilltop Views video from 2021, David gives you an inside look into how Hilltop puts tax planning into action using two of our financial planning tools. https://lnkd.in/gHd4CgJm

It’s “Tax Planning” season at Hilltop, so over the next couple weeks we’ll be sharing details about a variety of tax planning strategies. First up: we have an exciting new resource for you! Check out our Year-End Tax Planning Checklist – click the link below to request your free copy! You can review this for ideas and talk with your financial and tax advisor to see what could work for you. If you’d like a second opinion on your planning and tax strategies, please reach out to us! https://lnkd.in/ey6jF5gG

Happy Birthday to Alice, our fabulous Client Experience Associate! We hope you have the best day. Here are some fun facts about Alice: 🎂 favorite birthday treat: Three layer yellow cake with chocolate icing ✈️farthest you’ve been from home: Dublin, Ireland 👎something you’re really bad at: Being/keeping quiet 🥰 proudest accomplishment: My relationships

Hilltop is heartbroken at the loss and devastation suffered by our neighbors in Western NC following Hurricane Helene. We are donating $5,000 to nonprofits that are directly involved with the rescue and relief efforts, but you can “like” or comment on this post to increase Hilltop’s donation – we’ll give an additional $5 for every response (up to a max of $1,000 total). If you would like to donate, here are the links to the organizations we're supporting: https://lnkd.in/e7gn2jD8 https://lnkd.in/eMRTBMVe https://lnkd.in/eHb-hD-Y https://lnkd.in/ea4PC3NJ