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.

As we enter the holiday season, we’re grateful for the trust you place in us. This year also marks an important milestone for Hill—our team now stretches from California to New York, giving us broader coverage and greater availability than at any point in our 20-year history.

Our office will be closed on:

•   Dec 24 – 26
•   Jan 1- Jan 2

New Year’s Eve (Dec 31): We’ll close early at 1:00 PM.

Even during our closed days, we’re here for anything time-sensitive. You can always reach us at service@hillinvestmentgroup.com or text our main number at (314) 448-4023, and we’ll get right on it. 

Wishing you and your family a peaceful, meaningful season.
The Hill Investment Group Team

The Hill perspective is well known. It is our motto and our compass: Take the Long View. Many of our clients and friends of the firm also know our culture. We strive to be warm, caring, thoughtful, serious about our work, and human enough to enjoy it together.

As we grow, an important question stays front and center: how do we continue to deepen both our culture and our perspective at the same time, especially as our team is spread across the country?

Occasionally, we’re given a rare gift: the chance to be together in one place. Last month, nearly our entire nationwide team happened to be in St. Louis at the same time. Recognizing how uncommon that is, we chose to be intentional with the moment and invest it in something meaningful.

When author, artist, and former financial advisor Carl Richards was in town for our event, we extended the experience by taking the team to a once-in-a-lifetime exhibition by German artist Anselm Kiefer at the Saint Louis Art Museum. The visit was arranged by my wife, Jeana, who serves in a volunteer leadership role at the museum. Notably, Jeana and Rex Sinquefield, co-founder of Dimensional Fund Advisors, were among the significant underwriters supporting the exhibition.

Together, we spent time immersed in the work of one of the most important living contemporary artists. Kiefer, who recently turned 80, is known for confronting history, destruction, and renewal on a monumental scale. His work takes the long view. From loss comes rebirth. From devastation, renewal. The physical scale of his art reinforces the message. Some things simply cannot be understood without stepping back and taking them in fully.

It is hard not to see the parallel.

Life is not smooth. Markets are not either. Both move in cycles that include setbacks, uncertainty, and moments that test conviction. Yet over time, periods of decline have been followed by recovery. Often the most meaningful progress comes from staying engaged rather than stepping away when things feel uncomfortable.

Clients often tell us that one of the most valuable things we do is help them stay on the ride. Not because there are guarantees. There are not. But because perspective matters. When you zoom out and look across decades rather than days, the long-term story of investing has been one of resilience and growth.

That perspective is deeply embedded in our culture. It shapes how we invest, how we advise, and how we support clients through both calm and turbulent moments.

Hill Investment Group is only 20 years old, but we are grounded in values and relationships that allow us to do our work with care, humility, and conviction. When we have moments to come together as a team, we try to use them intentionally to reinforce who we are and how we think.

We’re grateful to share this journey with you, and we look forward to continuing the ride together.

Happy Holidays.