We’re often asked what separates us from other firms. Our answer is our people – we believe we have a unique group of individuals who collectively make for a fantastic team to serve our clients. 

We are excited to announce that two members of our team have earned promotions:

Abby Wiss (Crimmins) – Abby has been promoted from Associate Advisor to Service Advisor. Abby has been with our firm for five years and continues to provide an especially high level of service to our clients – whether that is helping with something like money movements or thinking through more complicated scenarios like Roth conversions. For more about Abby, click here.

Matt Luzecky – We have promoted Matt from Associate to Associate Advisor. In Matt’s 3+ years with our firm, he has shown he is an integral part of the client service team… and always ready with a joke! His ability to look at client situations and internal processes differently allows us to continue improving the service level we provide to our clients. Learn more about Matt here.

Congrats to both team members on well-deserved promotions!

Have you met someone special who exemplifies the attitude and work ethic of Hill Investment Group team members…who doesn’t already work here? A friend, family, or you? If you want to make your experience with us even better, please consider introducing that person to us because we’re looking for a new Client Service Associate.

The Client Service Associate position is based in St. Louis. The ideal candidate will be the in-house expert in preparing for client meetings, trading, and working with providers.

Who Should Apply?

Curious learners with strong interpersonal skills who take ownership, prioritize personal and professional growth and have a strong desire to make a positive impact on our clients’ lives. 

For more specifics about the position and what is expected, click here.

As of today, general equity markets are ~10-20% off their peak, tax rates are relatively low, and there are record amounts of cash on the sideline. This combination of variables presents an excellent opportunity for a strategy known as a Roth Conversion. A Roth Conversion is the process by which you take money in a pre-tax account (e.g. traditional IRA) and convert it to an after-tax account (e.g. Roth IRA). The potential benefits of such a change include:

• Tax-free growth inside the Roth IRA
• Tax-free distributions from the Roth IRA
• Avoiding required minimum distributions until you (or possibly you and your spouse) pass away
• Lower estate taxes
• Lower surcharges on Medicare premiums

For more information on Roth conversions, see the paper we created to provide more detail on this strategy, as well as the pros and cons of Roth conversions.

While this all sounds great, and it is, to receive these benefits, you have to pay ordinary income taxes at the time of conversion. This is a strategy worth considering if you are in a relatively low tax bracket because you recently retired and haven’t yet started receiving your Social Security or taking required minimum distributions. Even if you are in a higher tax bracket, it could still make sense because we could implement other tax strategies simultaneously. If you’d like to know the specifics around this strategy or any different ways we help clients maximize their long-term odds of success, we’d be happy to talk with you.