At Hill Investment Group, we recognize that when a few clients raise the same question, it’s likely that more have similar thoughts. To better serve you, we’re introducing a new segment in our newsletter where we’ll address common questions and how we approach them. To submit questions for future newsletters, email us at info@hillinvestmentgroup.com.

Hey Hill, What Should I Be Thinking About as 2025 Approaches?

As we approach the new year, now is the perfect time to reflect on your financial picture and look ahead to 2025. At Hill Investment Group, we encourage you to rely on us for all things financial — whether it’s optimizing your portfolio, navigating new opportunities, or planning for life’s big transitions. Here are a few key considerations as we gear up for the new year:

Introducing the Longview Advantage ETF

We’re excited to launch the Longview Advantage ETF (ticker: EBI) in early 2025 and transition Hill clients to it tax-free. Designed as a low-cost, market-wide investment solution, EBI will bring more efficiency to your portfolio. Think of it as the next evolution of Taking the Long View: the same evidence-based investment philosophy with the added benefits of reduced fees and greater tax efficiency.

This is a big step forward for Hill clients, and we are excited to integrate it into portfolios for your benefit

Automate Your Savings for Long-Term Growth

If you don’t already have an automatic savings plan in place, now is the time to consider one. These plans allow you to make regular contributions to your portfolio effortlessly, taking advantage of dollar-cost averaging and the power of compounding. Over time, contributions can snowball into meaningful wealth. Talk to your advisor about how to set one up — it’s one of the easiest ways to make real process toward your financial goals.

Review Employer Benefits for 2025

A new year brings updates to retirement contribution limits and other employer benefits:

• 401(k): $23,500 (up from $23,000)
  • Catch-Up Contributions (50+): an additional $7,500 (or $11,250 for ages 60–63)
• ROTH and Traditional IRA: $7,000 (consistent with 2024)
  • Catch-Up Contributions (50+): an additional $1,000 

It’s also a great time to review your medical benefits and insurance options. If you have access to an HSA or FSA, increasing your contributions can help you maximize tax savings. Unsure of your next step? Your Hill advisor can help you evaluate your options and ensure you’re making the most of these opportunities. 

Prepare for Life’s Big Moments

Are there big milestones on the horizon for 2025? Maybe you’re sending a child to college, planning a major purchase, retiring, or updating your estate plan. These life events deserve thoughtful planning, and our team is here to guide you every step of the way.

Share the Gift of Thoughtful Financial Guidance

Do you know someone who might benefit from personalized financial advice? Whether it’s a friend navigating a big life transition, a family member seeking smarter investment strategies, or someone simply unsure of where to start, we’re here to help.

Sharing our name or a copy of Odds On is an easy way to introduce them to Taking the Long View. If you have someone in mind, let us know — we’d love to meet them.

Let’s make 2025 your best financial year yet. If you’d like to explore any of these ideas, reach out or book a time here. We’re here to help.

Hill Investment Group is a registered investment adviser. Registration of an Investment Advisor does not imply any level of skill or training.  This information is educational and does not intend to make an offer for the sale of any specific securities, investments, or strategies. Consult with a qualified financial adviser before implementing any investment or financial planning strategy.

This month, you’ll notice our survey question invites you to reflect on what financial decision you’re most proud of. It’s a great opportunity to pause and acknowledge the milestones—big or small—that bring you closer to your goals. As I thought about this question, one decision immediately came to mind.

As I write this, my family and I are on the cusp of a new chapter. Our daughter (a junior in high school), born just two years after we started Hill Investment Group, is now preparing for college. We recently took our first college tour together—a moment that felt both surreal and gratifying.

What makes this milestone even more meaningful is the financial foundation we laid for her education. Like many of you, we started a 529 college savings plan shortly after she was born—when she received her Social Security number, to be exact. At the time, saving for college felt abstract, almost odd. She was still an infant, and college seemed a lifetime away. But we made the decision to start, set a clear goal of having two years of college funded by the time she graduates from high school, and stuck with it. Today, that plan has grown with the power of markets, and it will help cover a significant portion of her next phase. 

This journey reinforces something we talk about often at Hill Investment Group: the power of the long view. A clear goal, consistent contributions, and the discipline to stay the course—even when the market tempts you to second-guess—are at the core of successful investing. It’s the same philosophy we apply to everything we do for our clients.

And just like you, I’m a client too. I’ve felt the sacrifices that come with prioritizing savings, along with the satisfaction of watching a plan work over time. As we look ahead to this exciting next chapter for our daughter, I feel proud—not just of the financial growth but of the steady, intentional path we’ve taken. We believed in the data and evidence that our initial decision was founded upon, and that belief, coupled with disciplined behavior, has allowed us to achieve our goal.

So, as the year winds down and you reflect on your own financial decisions, I encourage you to think about what you’re most proud of. What goals have you set? What steps have you taken to achieve them? And most importantly, how can we help you take the long view toward whatever comes next?

Here’s to steady progress and celebrating milestones—big and small.

Happy Holidays!

This testimonial is provided by a current client who received no compensation for their statement. Their experience reflects their personal results, which may not be representative of all clients. Investing involves risk, and past performance does not guarantee future results.

The investing world recently lost one of its quiet pioneers, Mac McQuown. While his name may not be widely recognized outside our industry, his influence runs deep. A trailblazer in modern investing, Mac’s visionary contributions laid the groundwork for the strategies many investors benefit from today. As David Booth, Co-Founder of Dimensional Fund Advisors, aptly noted, Mac was a true transformer in the field. [Click the quote to read Dimensional’s tribute.]

To bring about fundamental change, you need great thinkers and researchers, but you also need implementers. People like Mac don’t win Nobel Prizes; they implement the ideas of the guys who do. He’s a catalyst.

“Catalyst” is the keyword. There are so many useful nuggets in the attached article in the Financial Times that you’ll be better off reading it. In a short space, you will learn the history of evidence-based investing, the first index fund (Mac’s creation), the birth of many future Nobel Laureates, and their impressive connection to Dimensional, Blackrock, and other global finance leaders.

If you want to know and understand the recipe you’re investing in when investing with Hill, this is one of the better shortcuts to taking the long view you’ll ever read.