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Our Goal:

Helping You Get to and Through

Retirement Successfully!

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Hill & Hill Financial, LLC

Create advanced retirement strategies for your everyday needs—including growing, protecting and distributing your hard-earned wealth efficiently and wisely.

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Building a Better Retirement

At Hill & Hill Financial, LLC, we believe in making advanced, integrated strategies easily accessible to everyday folks. A financial plan for retirement should provide a clear blueprint for your future. Consider this journey like building a financial house—a comprehensive process that provides a strong foundation and framework that supports and protects the lifestyle you have grown accustomed to throughout your retirement journey.

HOW WE CAN HELP

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The Four Pillars of Retirement

BY MORGAN D. HILL


Investing and Income

Make sure you never run out of income.


Risk Management

Avoid risks that could cause you to lose your hard-earned money.



Estate Planning

Be sure that those you love inherit your assets, not those you don’t love!


Taxes

Don’t pay more in taxes than is absolutely required.

Why Hill & Hill Financial, LLC?

A Full-Service Wealth Preservation & Distribution Firm

At Hill & Hill Financial, LLC, we believe in making advanced, integrated strategies easily accessible to everyday folks. A financial plan for retirement should provide a clear blueprint for your future. Consider this journey like building a financial house—a comprehensive process that provides a strong foundation and framework that supports and protects the lifestyle you have grown accustomed to throughout your retirement journey.

We are an independent wealth preservation and distribution firm specialized in creating financial planning blueprints for retirement and providing the experienced hands-on guidance needed to construct and maintain each plan.

Our credentialed team has designed a signature financial planning process called The Four Pillars of Retirement™. Based on Morgan’s popular book, Building a Better Retirement, this is a coordinated process to simplify and integrate all the important areas of our clients’ financial lives, including investing and income, risk management, estate planning and taxes.

Through an objective, client-first approach, we are committed to providing ongoing education and a comprehensive planning experience for everyday individuals to grow, protect and distribute their hard- earned wealth efficiently and wisely.



Our Goal:

Helping you get to and through retirement successfully.


Morgan D. Hill  Photo

Morgan D. Hill

CEO and Owner
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Morgan D. Hill

Morgan D. Hill

CEO and Owner


Morgan D. Hill entered the financial services industry to follow his passion for helping people protect their wealth and pass it successfully to their loved ones. Morgan recognizes that too often individuals receive inconsistent or incomplete information when preparing for their retirements. As the CEO and owner of Hill & Hill Financial, LLC, he works to dispel incorrect perceptions and has a talent for taking difficult and complicated issues and explaining them in simple terms with ease.

Morgan takes great pride in helping assess client needs to identify solutions that help maximize retirement income, manage their risks, create successful estate planning solutions and minimize taxation. Over the past two decades, these services have become deeply integrated to become The Four Pillars of Retirement , the foundation of his signature planning process and the basis for his popular book Building a Better Retirement.

Morgan brings comprehensive and knowledgeable expertise as a Certified Trust and Estate Specialist, Certified Tax Specialist and Certified Tax Advisor. He is able to provide full-services solutions and a dynamic range of financial tools through his life and health license along with Series 6, 22, 62, 63 and 65 securities licenses. He is a graduate of Oklahoma State University.


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Holly S. Hill

CFO and Owner
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Holly S. Hill

Holly S. Hill 

CFO


Holly S. Hill is a seasoned professional in the area of business management and administration. As the CFO of Hill & Hill Financial, LLC, Holly has spent many years managing the day-to-day operations, building her team, and managing HR, Finance, and Marketing. Her main objective is to ensure that all interactions at Hill & Hill Financial, LLC, are provided with professionalism, urgency and kindness.

Holly is a graduate of Georgia State University. Together with her husband and business partner, Morgan D. Hill, they work to guide clients to and through retirement successfully. Holly enjoys hiking, traveling and spending time with loved ones.


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Rachel J. Baker

Chief Operations Officer
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Rachel J. Baker

Rachel J. Baker

chief operations officer 


Rachel J. Baker is a fiduciary advisor and holds a life and health insurance license, as well as a Series 65. She works closely with Morgan developing income plans, processing alternative investments and managed money investments. Recognizing the critical importance of financial planning, Rachel takes great pride in helping clients live the retirement they’ve dreamed of.

Rachel is a graduate of Seton Hall University and a recipient of the prestigious Horatio Alger National Scholarship. Her passion for helping others also fuels her participation in a number of organizations. When not working, she enjoys traveling, reading, interior design, and cooking and eating great food with her husband Gary Baker and their three children.


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Tara Small

Director of Insurance Services
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Tara Small

Tara Small

Director of Insurance Services


As Director of Insurance Services, Tara Small possesses years of specialized knowledge in many areas of insurance services. She is known as a results oriented team member and problem solver for our clients whether they need general account services, RMD requests from their insurance policies, partial withdrawals or beneficiary updates.

Tara holds a life and health insurance license and earned her degree in Economics from Western Washington University. In her free time, Tara is an avid advocate for animal rescues and loves being outside, playing tennis and doing puzzles with her family.


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Donna Biddiscombe

Director of Investment Services
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Donna Biddiscombe

Donna Biddiscombe

director of investment services


As an advisor assistant, Donna Biddiscombe assists clients with applications, portal access, distributions and other client services activities. Donna loves working both with numbers and people and is inspired by Hill & Hill’s desire to serve clients with value and commitment.

She has a B.S. from Clemson University in mechanical engineering. When not at work, she is involved in her church as a middle school youth leader. She and her husband have raised four boys, and she enjoys spending time outdoors hiking, playing tennis or with a good book.

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Pat Oare

Office Manager Chattanooga
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Pat Oare

Pat Oare 

office manager 


Pat started her career working for automobile dealerships before moving on to a large Atlanta-based corporation where she completed an impressive 36-year career in office administration and purchasing. After retiring, Pat served as an interpretive guide for a North Georgia historical site and worked part-time at a local church.

Pat enjoyed retirement but missed the satisfaction that comes from contributing to a team environment. Pat now enjoys scheduling client appointments and assisting with operations at the Chattanooga office while still enjoying part time retirement.

When Pat is not working, she enjoys time with her children and grandchildren. She also loves traveling, reading and attending social engagements with her friends, as well as oil painting.


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Joyce Cole

Office Assistant Woodstock
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Joyce Cole

Joyce Cole 

ADMINISTRATIVE ASSISTANT


Before joining Hill & Hill Financial LLC as a semi-retired staff member, Joyce spent much of her career teaching, tutoring and caring for children. She received her degree from Camden County College and studied at Thomas Edison State University. Her patience and care have translated seamlessly to our company by helping with communications, administrative functions and marketing support.

Joyce’s kind spirit and willingness to assist with all aspects of the business makes her a special part of the “behind the scenes” team. Outside of work, Joyce enjoys reading, going for walks, family dinners and volunteering.


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Kelli Seymour

Client Services Assistant
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As Client Services Assistant, Kelli Seymour is one of the friendly faces you will see in the Chattanooga location.  She assists both Hill & Hill staff and clients with address and appointment changes, service communications, reports and statements. She acts as a liaison between the investment team and clients to ensure all needed Client Service activities are completed in a timely manner.  

Kelli is a native of Chattanooga and a graduate of the University of Tennessee at Chattanooga with a degree in Office Management. When not working, she enjoys reading, watching Tennessee sports and the Atlanta Braves. She and her husband Frank are the Activities Directors for the Senior Adults in their church and she is also on the media team.  Together they have one son. 

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Christy Thomas

Operations Assistant
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As the Operations Assistant, Christy Thomas prepares and organizes all the information needed for client appointments with Morgan Hill. Her role also includes assisting the Investment Team by working closely with the Director of Insurance Services to process requests and follow up on cases. Christy is naturally driven and organized and she has a passion to serve others. This combination is on display daily as she successfully completes her tasks at Hill & Hill.  

Christy graduated from Palm Beach Atlantic University with a degree in Pre-law and a minor in Philosophy. Christy lives in Woodstock, Georgia with her high school sweetheart husband and their two children who are both very active in sports. When she is not thriving at Hill & Hill Financial, you can find her leading worship at her church or coaching basketball. In her free time, Christy loves to share her Christian faith, hike, travel, workout, and spend time with her family.

Our Services

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Today’s Retirement Crisis

As we have assisted hundreds of families over the years, we have discovered that there is a very real retirement crisis occurring in this country that is wreaking havoc on families nationwide. 

The 3 main culprits are: 

  1. Inattention from advisors
  2. Incomplete conversations
  3. Inaccurate information


The Four Pillars of Retirement

Our credentialed team has designed a signature financial planning process called The Four Pillars of RetirementTM . Based on Morgan’s popular book, Building a Better Retirement, this is a coordinated process to simplify and integrate all the important areas of our clients’ financial lives, including investing and income, risk management, estate planning and taxes. 


Pillar #1: Investing and Income

Make sure you never run out of income. 

When you are concerned about creating consistent income in retirement, wild market volatility can quickly derail your plans and income needs, especially over the span of a 20-30-year retirement. Without proper planning, this can lead to one of the greatest fears facing today’s retirees—outliving your money. As such, our most essential responsibility to you and the first fundamental pillar of retirement is to create a reliable and consistent stream of income throughout retirement. We help you accomplish this by:

  • Creating an Income Plan - Knowing where your income is coming from and when you will access it through a written income plan provides a realistic expectation and roadmap for your income needs throughout multiple decades of retirement.
  • Maximizing Social Security - As the largest stream of income for most retirees, choosing a strategy to maximize your benefits can be a tremendous consideration to support your retirement income goals.
  • Ensuring Stability of Your Investment Income through our Complete Portfolio Investment Strategy allocates your savings into three different worlds of investments to balance your growth, liquidity and asset preservation needs.


Pillar #2: Risk Management

Avoid risks that could cause you to lose your hard-earned money. 

As we look at putting your retirement house in order, we believe that there are certain risks that are often not worth taking, including those that can prove catastrophic to the longevity of your life savings, such as:

  • Losing money due to dramatic downturns in the stock market can be devastating to the amount of income or number of retirement years your savings can support.
  • Losing a pension without any backup plan when a spouse unexpectedly passes away could mean a dramatic change in quality of life.
  • Losing your life savings to a significant healthcare event for one or both spouses can also be disastrous, particularly for supporting the healthy spouse.
  • Losing your retirement savings due to living longer than you expected while needing help with activities of daily living.

Each of these areas threatens to deplete your savings prematurely if not addressed in your financial plan. As the second pillar to retirement planning, we will provide a 10-point assessment to help evaluate your longevity risk and then provide a proactive plan with coverage options to help properly manage these risks.

Pillar #3: Estate Planning

Be sure that those you love inherit your assets, not those you don’t love!

We have discovered that very few people actually have a clearly outlined estate plan for what happens to their possessions. Most of the time, the people we counsel mean well, but either they haven’t found the time to put any plans together, or they are just confused as to where to begin.

It is important to recognize that different assets move to different people in different ways; therefore, we treat estate planning as the third pillar of retirement. We provide the education you need to feel confident in your choices and create a plan that maximizes the value of your assets for the intended recipients.

To do this, we have created The Balanced Estate Planning Model© to help identify the three main types of property that you own and the three main ways these assets can move when you pass away. By completing this exercise together, we can help ensure your things pass to the right folks—at the right time—in the right way.




Pillar #4: Taxes

Don’t pay more in taxes than is absolutely required. 

The fourth and final pillar of retirement planning is taxes; because after all, it is not just what you make, but what you keep! Given the overwhelming national debt continuing to grow with interest, it is hard to deny that there is a very real possibility of tax increases during the next two to three decades and during your retirement. With this mounting tax bill paired with the confusion surrounding the IRS tax code, taxes have become a maze of complexity that is often tough to navigate.

As such, it is critical that we utilize as many specific and targeted strategies to keep more of your hard-earned money for you and your family. To get your retirement house in order, there is often more that is needed than simply using a quick computer software package to determine whether or not you get a refund on your 1040 Form this year. Our goal is to help you preserve your assets by offering advanced tax planning strategies that are used by businesses and non-profits but aren’t widely known or accessible by the general public.

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We're Here For You!

A FULL-SERVICE WEALTH PRESERVATION & DISTRIBUTION FIRM


Contact us to discuss creating your own personal blueprint for building a better retirement!  

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