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Our Goal:

Helping You Get to and Through

Retirement Successfully!™

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Our proprietary approach provides guidance and strategies designed to support your long-term retirement planning.

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 help you evaluate financial risks that may affect your long-term retirement plan. By aligning our recommendations with your risk tolerance, goals, and financial circumstances, we work with you to develop strategies intended to support financial stability throughout retirement.

Common risks retirees face include:

• Market volatility that can affect investment values.

• Changes in income due to the passing of a spouse.

• Unexpected healthcare costs.

• Longevity risk—the possibility of outliving savings. 

By identifying these risks as part of your financial plan, we can help you explore options and strategies designed to address them


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.

Our planning process includes reviewing a range of tax-efficient strategies to help you make informed decisions and better manage the impact of taxes on your long-term financial plan.

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. 

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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 helping clients build and preserve their wealth, Morgan D. Hill entered the financial services industry to implement his structured planning approach— The Four Pillars of Retirement ™—a process he developed to help clients make informed decisions while pursuing their financial goals. .

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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Matthew Parker

Associate Advisor
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As the Associate Advisor, Matthew works closely with Morgan Hill and Rachel Baker to research accounts and prepare files for client meetings as well as servicing accounts. Matthew holds a Bachelor's Degree in Economics, and a minor in Legal Studies from Troy University. He also holds a Series 66, Series 7, Insurance license for the state of Georgia and is CCSAR certified. Matthews personal values align perfecty with Hill & Hill's intergrity based values and is an asset to Hill & Hill.

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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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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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Kaylene Folb

Marketing Manager
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As Marketing Manager, Kaylene Folb partners with CFO Holly Hill to support Hill & Hill's strategic initiatives. She works behind the scenes designing and creating marketing collateral while managing key communications for the company. Her role extends to providing vital support to the accounting department and handling administrative responsibilities that keep the entire team running smoothly.

Drawing from her diverse professional background and digital expertise, Kaylene combines creative talent with administrative know-how to tackle both complex operational tasks and innovative projects. Her positive attitude and attention to detail enhance the team's efficiency and creative output.

Kaylene holds a Psychology degree from Georgia State University and pursued additional education at Emory University. Her academic background, coupled with international travel experience, brings a unique perspective to the Hill & Hill team. Outside of work, she enjoys fitness, traveling, music, nature, reading, cooking, and spending time with loved ones. 
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Charles Fowler

Insurance Associate
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As the Insurance Associate, Charles collaborates with the Director of Insurance Services to research, troubleshoot, and process insurance-related investments while providing exceptional client service. From handling applications and processing withdrawals or beneficiary change requests to managing investment renewals, Charles plays a key role in ensuring client needs are met efficiently and accurately.

Charles holds life and health insurance licenses in Georgia and several states throughout the southeast.  He earned his Bachelor of Science degree in Business Communications at Kennesaw State University. When not helping clients with their plans for a secure retirement, Charles enjoys playing golf, traveling with his wife and spending time with family. 

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Jennifer Vandergriff

Administrative Assistant
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Jennifer Vandergriff is the Administrative Assistant in the Chattanooga office but serves the entire team and clients for the entire company. Before joining Hill & Hill, Jennifer worked as a consultant as well as other various roles within the financial services industry for over 15 years.  She enjoys working with numbers and helping clients receive their data with accuracy and efficiency.

Jennifer was born and raised in Chattanooga, TN and now lives in Ringgold, GA with her husband and their dog, Lillith.  Jennifer holds a B.S. in Finance from the University of Tennessee at Chattanooga and an M.S. in Statistics from the University of Tennessee.  She enjoys watching SEC football and basketball and doing anything outdoors, including gardening, boating, riding motorcycles, and walking the trails at her property.

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!