As the year comes to a close, this is a reminder that there are just a few days left to make charitable gifts that count for this year’s taxes. Many of you have already completed your giving. If generosity towards family or charity is still part of your year end plans alongside holiday gifts, there is still time to act with intention.

At Hill Investment Group, we view giving as an extension of a long view, values driven plan. Credible giving means supporting what matters to you while being thoughtful about how and when you give. For those who are eligible, charitable gifts from an IRA can be an especially efficient way to give, particularly when required minimum distributions are already part of the picture. Donor advised funds also allow families to give appreciated assets and avoid capital gains tax.

Tax law changes beginning on January 1, 2026, may reduce the value of charitable deductions for some households. For families who are already planning to give, completing gifts this year can be a thoughtful way to align generosity with 2025’s tax laws.

If year end giving is already part of your plan, now is a natural time to bring it across the finish line. Send us a note at service@HillInvestmentGroup.com if you want help accomplishing your goals for this year.

Our clients know we support them and their families in meaningful ways. This includes articulating long-term investment plans, helping refine estate strategies, and thinking creatively about charitable giving.

While mission statements are common in businesses and nonprofits, they’re far less common in family life. Yet as families become more complex, people live longer, and communication becomes more open, many are taking the long view and creating multi-generational plans that reflect not just what they want to happen with their wealth, but why. A family mission statement can bring clarity, connection, and shared purpose, often helping to avoid conflict now and in the future.

A recent Wall Street Journal article shares examples and great stories about how a family mission statement may make sense for your family. In the words of James Harold Webb, a serial entrepreneur quoted in the article and the patriarch of a 16-person blended family,

“Life is a gift that cannot be wasted. Family is the essence of that life and, as a family, we will work hard. We will play hard. We will live in the pursuit of knowledge. We will love our family unconditionally. We will give more than we take to ensure a better world.”

With the holidays approaching and families gathering, it’s a natural time to raise the topic. If this sounds appealing to you, and you’d like our help in preparing for that discussion or have us involved with future discussions, we’d love to help. Please reach out to me at buddy@hillinvestmentgroup.com or directly to your advisor.

Celebrate and make the most of this time together!

If you’re traveling this Thanksgiving and want something both smart and calming to listen to, we have a great pick. Investing 101 – It’s a short, clear episode from the Rational Reminder podcast, which highlights the same evidence-based investing principles we believe in.

In the episode, hosts Ben Felix, Dan Bortolotti, and Ben Wilson revisit the research-backed ideas that support a disciplined investing experience: owning markets instead of trying to time them, staying globally diversified, keeping costs low, and maintaining focus amid market noise.

We’re sharing it because even the most experienced long-view investors benefit from revisiting these fundamentals, especially during a season that’s often busy and hectic, yet ultimately about gratitude and perspective.

Pop in your headphones, take a walk, or queue it up on your flight home, and share it with a friend. It’s 40 minutes well spent.

As this season of gathering kicks off, if someone you care about could benefit from our approach, give us a call or email us here.

Listen here