Hilltop Wealth Advisors, LLC

Hilltop Wealth Advisors, LLC is a registered investment adviser based in Chapel Hill, NC, established in 2016. The firm offers financial planning, consulting, and investment management services. Clients are required to enter into written agreements outlining the terms of the advisory relationship. Hilltop Wealth Advisors primarily allocates client assets among mutual funds, ETFs, individual securities, options, and Independent Managers. The firm tailors its services to meet individual client needs, ensuring portfolios align with client objectives. Clients have discretion over decisions and can impose restrictions on account management. Fees are structured as fixed fees, asset-based fees, and ERISA plan fees, with minimum annual fees and fee schedules based on assets under management. The firm operates on a fee-only basis and does not sell commissioned products. Hilltop Wealth Advisors follows a Code of Ethics and acts as a fiduciary, putting clients' interests first. The firm discloses material changes and risks related to investments, such as cryptocurrency ETFs and ESG investing. Hilltop Wealth Advisors does not have any disciplinary events and provides services to various client types, including individuals, trusts, and corporations. The firm's investment strategies involve fundamental analysis, tactical asset allocation, and models tailored to client needs. Clients receive regular account statements and reports, and the firm exercises investment discretion on behalf of clients. Hilltop Wealth Advisors does not vote client securities and does not have custody of client assets.