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Our Goal:

Helping You Get to and Through

Retirement Successfully!

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Our proprietary approach will guide you through proven strategies designed to help you achieve the retirement of your dreams

Today’s Retirement Crisis

After over 20 years assisting hundreds of families, we have seen unexpected life events consume family wealth both before and after retirement. These include sudden market fluctuations, health and long term care issues, estate mismanagement, and improper tax planning. But the most significant contributor to lost wealth is the failure to plan ahead.

Unfortunately, once families decide to create a plan, they can face frustrating challenges including inattentive advisors, incomplete conversations, and inaccurate information.  

Why Hill & Hill Financial, LLC?

We create advanced, integrated retirement strategies and make them accessible to everyone, regardless of net worth.

We help you prepare for retirement in 3 key ways:

•    Complete Conversations: We discuss all 4 areas of retirement planning to be sure your needs and goals for retirement are met.
•    Personal Attention: We provide dedicated time with our founder and chief advisor even if you've been told you don't have enough assets by other firms.
•    Accurate Information for Informed Choices:  We provide all the data, facts and figures you need to make intelligent decisions about your future.

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Building a Better Retirement

At Hill & Hill Financial, LLC, we think retirement plans should be comprehensive in scope and specific to your needs. Our comprehensive, proprietary approach includes investing, income, risk reduction, tax, and estate planning. We listen to your unique story, then we create a customized plan that grows, protects, and distributes your assets while preserving your lifestyle. 

Our Mission is to help you create the retirement of your dreams. Our Goal is to get your to and through retirement successfully.

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 investments that could put your hard-earned money at risk


Estate Planning

Be sure that those you love inherit your assets!


Taxes

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


Our Services

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The Four Pillars of Retirement™


Through our proprietary financial planning process, we integrate all the most important areas of your finances -- Investing and Income, Risk Management, Estate Planning, and Taxes into a cohesive plan.


                                 Pillar #1: Investing and Income

                                                                     Make sure you never run out of money. 

Wild market volatility can quickly derail your ability to create consistent retirement income, especially over the span of 20-to-30-years. Without proper planning, this can lead to a retiree's greatest fear—outliving your money. Our most essential responsibility to you is to create a reliable and consistent stream of income to last as long as you do.

We help you accomplish this by:

  • Creating an Income Plan - A written income plan  tells you where your income is coming from, and when you will begin to access it. An income plan provides you with a realistic and secure roadmap designed to sustain you throughout your retirement years. 
  • Maximizing Social Security - As the largest stream of income for most retirees, choosing a strategy that maximizes your benefits can make a tremendous difference to your retirement income goals.
  • Ensuring Stability of Your Investment Income - Our Complete Portfolio Investment Strategy allocates and diversifies your savings into three different spheres of investments to balance growth, liquidity and asset preservation.


Pillar #2: Risk Management

                                                   Avoid investments that could put your hard-earned money at risk.

We will consider your risk tolerance level, and make data-based recommendations against investments that may not be worth making. Especially those that could put your life savings at risk.

Examples include:

  • Money lost due to dramatic downturns in the stock market. These could reduce the number of retirement years your income and savings can support.
  • Pensions lost when a spouse unexpectedly passes away. This could mean a dramatic change in quality of life without a backup plan.
  • Losing your life savings due to a significant healthcare event for one or both spouses. This could rapidly burn-through resources needed now and and for the surviving spouse spouse later on.
  • Loss of your retirement savings by living longer than expected. This is usually compounded by the need to hire caregivers.

Each of these areas can threaten to deplete your savings prematurely if not addressed in your financial plan. We provide a thorough assessment, no matter what your net worth, and deliver a proactive plan with coverage options to help manage future risk.


Pillar #3: Estate Planning

                                                                      Be sure your assets pass to those you love!

Few people have a clearly defined estate plan for disposition of their assets and personal belongings through to their loved ones because they wither haven’t found the time to put a plan together or are just confused about where to begin.

Because different assets pass to different people in different ways, we believe estate planning should maximize the value of your assets and preserve them for your intended recipients.

The Balanced Estate Planning Model© identifies the 3 primary types of property that you can own, and the 3 best ways to transfer these assets to your loved one. By completing this exercise together, we can help ensure your estate passes 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 it's not just about what you make, but what you keep! Given the overwhelming national debt that continues to grow with interest, there is a very real possibility that taxes will increase during the next 2 to 3 decades. Taxes have become a maze of complexity that can be challenging to navigate.

You need advanced tax planning tactics used by businesses and non-profits that may not be widely used or understood by the general public. We help you utilize tax strategies to future-proof more of your hard earned money.

Why Hill & Hill Financial, LLC?

You Deserve a Full-Service Wealth Preservation & Distribution Firm

Hill & Hill Financial, LLC is an independent wealth preservation and distribution firm that creates financial planning blueprints for retirement no matter what your net worth. We promise to give you ongoing education, a client-first approach, and a comprehensive, flexible plan that grows with you. 

  • Tell us your story.
  • The conversations costs you nothing.
  • Fill out the form below to find out more.



Our Goal:

Helping you get to and through retirement successfully.


Morgan D. Hill  Photo

Morgan D. Hill

CEO and Founder
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Morgan D. Hill

Morgan D. Hill

CEO and founder


Following his passion for wealth preservation and desire to help others future-proof their assets against the ebbs and tides of market fluctuations, Morgan D. Hill entered the financial services industry to disrupt the status quo with his proprietary wealth preservation system he calls The Four Pillars of Retirement ™.

Long ago, Morgan recognized that individuals often receive inconsistent or incomplete information when preparing for retirement. As the CEO and founder of Hill & Hill Financial, LLC, Morgan ensures all our clients receive complete conversations so they can feel confident in the future strength of their investments. Morgan can tackle your most difficult issues and removes complexity so you can make better informed decisions.

Morgan identifies solutions that can help maximize retirement income, manage risk, and create successful estate planning solutions while minimizing the creation of taxable events.   Morgan’s signature planning process has proven itself over the years and can be found within the pages of his popular book, "Building a Better Retirement."

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


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Holly S. Hill

CFO and Founder
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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 6 and Series 65. She works closely with Morgan Hill 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

Administrative 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.

Get In Touch

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!  

Please include how you heard about us (TV, Radio, friend, google search) as well as the general area in which you live (Woodstock, Chattanooga, Knoxville, other state) in your message below. Thank you!