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 holidays are a time to reflect, celebrate, and spend quality moments with loved ones. To honor this special season, our office hours will be adjusted to allow our team to celebrate with their families and friends.

We will be closed on the following days:

    •         Tuesday, December 24 – Thursday, December 26

    •         Tuesday, December 31 – Wednesday, January 1

During these times, our team will be away from their desks, but we remain committed to supporting you. If you have an urgent need, please don’t hesitate to reach out to us at service@hillinvestmentgroup.com, and we will respond as soon as possible.

We wish you a joyful holiday season and a happy, healthy New Year!

– The Team at Hill Investment Group

This month, we hosted a fantastic webinar to share the details of our upcoming ETF launch, and we couldn’t be more thrilled with the response. The great questions from attendees reflected the thoughtfulness of our clients and their shared commitment to smarter, evidence-based investing.

Excitement is building, not just among our clients but also from other advisory firms across the country eager to offer the same advantages to their own clients. It’s clear that our approach and strategy, combined with the tax-benefits of the 351 conversion, resonate with investors trying to move toward the most efficient evidence-based investment solution tax-free.

This ETF is more than a product; it’s a philosophy in action. And as we approach the holidays, we’re proud to think of it as the gift we’re giving to help you and your portfolios grow stronger for years to come.

Stay tuned—2025 is already shaping up to be a remarkable year.