Sometimes the biggest financial wins don’t come from a brilliant move. They come from getting organized.

We’ve seen this firsthand. A client came to us feeling on top of things – accomplished, busy, managing a growing family. Over time, their accounts, statements, and documents had multiplied across different places. Once we gathered and consolidated everything, they discovered more than $1M they hadn’t been accounting for.

That’s what happens when complexity accumulates faster than anyone stops to sort through it. Smart people are busy. Accounts open gradually, responsibilities stack up, and what isn’t organized stays invisible.

Finding $1M matters. But putting it to work intelligently, rather than leaving it in cash or scattered across forgotten accounts, is where the real impact is. Invested well over 30 years, that capital can create real choices: retiring earlier, retiring differently, giving in ways that reflect your values. For the next generation, the difference can be even greater.

This is what it looks like to have someone bringing clarity and coordination to your financial life.

If you’ve been meaning to get a clearer picture of where things stand, we’d be glad to help. Many of our clients sleep better knowing every dollar is accounted for. Set up a time here.

I have Odds On to thank for helping me find my tribe at Hill.

Before Hill, with my engineering background, I had become a total nerd about the data around investing. I was obsessed not just with what the evidence said, but with how to build a firm that could give families the best chance to actually put that evidence to work in their real lives.

What I kept running into was that most firms had one or two of the pieces. They could talk about investing. They could talk about behavior and emotion. They could make clients feel cared for. But very few could do all three at once: evidence, behavior and emotion, and real client care through hospitality. I was looking for the holy grail, the island of idealism.

I wanted a firm that could think rigorously, communicate clearly, and help people stay steady enough to actually live out the plan. To really help clients hold onto what matters when markets, life, and emotions inevitably get messy.

I was also, and still am, a huge podcast listener. As luck would have it, I heard Matt on Radical Personal Finance talking about Odds On and the bigger vision behind Hill. Hearing him lay out his and Rick’s island of idealism, and the way Hill thought about evidence, behavior, and serving clients well, was the click moment for me. Hill was not just a firm I admired from afar. It was the firm I would have built myself if I had already built one.

So I guessed at Matt’s email address, sent him a cold email, and the rest is history. I will always be grateful to Odds On for that, because it led me to Hill, to work I love, and to my people.

Take the long view,

Nell

Tax season comes with a lot of moving parts. A missing form, incomplete data, or a late reaction can cost you time and money. Our goal is simple: carry some of that load so you don’t have to.

At Hill Investment Group, we think about taxes all year, because after-tax outcomes matter. Taking the Long View means managing what you keep, not only what you earn.

What we do year-round

Tax awareness is built into the daily work behind your portfolio. 

We place tax-heavy investments in the right accounts to reduce avoidable drag. 

When the opportunity exists, we harvest losses to offset gains while keeping your strategy intact. 

We lean on ETFs where appropriate, which tend to avoid the surprise capital gain distributions that show up in many mutual funds. 

When cash flow, withdrawals, or charitable giving are part of your picture, we help coordinate the timing and structure so everything stays aligned with your plan.

What we do during tax season

Tax season should feel orderly. For clients where we manage the full relationship, we coordinate directly with your tax preparer, track form releases and revisions, and prepare a clean packet with the core reports your CPA needs. 

No hunting through portals, no guessing which forms matter.

For clients earlier in their journey with us, many of these same principles are at work in how we manage your portfolio, and we’re always happy to point you in the right direction.

The goal, as always, is to make this easier for you.

What you still need to handle yourself

Some items live outside Hill, like W-2’s,  old employer retirement plans, accounts held elsewhere, K-1s, and certain custodian forms.

Easy to miss items

• IRA Form 5498: Useful for keeping contribution and cost basis records accurate over time.
• HSA Form 1099-SA: Required if you took money out of an HSA.
• Qualified charitable distributions: Your 1099-R will not label a QCD for your CPA. However, if we facilitated it, we would help send a list to your CPA.

If you want to talk through tax planning as part of your broader plan, reach out to us at service@hillinvestmentgroup.com.