Retire to Something.
Not From Something.
Your Retirement Starts With N.O.W.
- Fiduciary Commitment
- Fee-Only Advice
- No Conflicts of Interest
Ever find yourself quietly wondering …
- Will my money last as long as I do?
- Am I paying more in taxes than I need to?
- Is my portfolio aligned with my goals?
TheN.O.W.Framework Answers All Three
Precision planning for what comes next.
Never-Worry Retirement Planning
This is the overarching vision and plan—every assumption tested, every scenario run, ensuring your cash flow lasts as long as you do.
Optimized Tax Strategy
Tax-efficient planning that ensures you keep more of every dollar
Wise Portfolio Management
Risk-managed investment process for a stable, disciplined experience
Your Path to a Protected Retirement.
The 3-Step N.O.W. Roadmap.
Step 1
Clarity Audit
We start with a deep dive into your finances and retirement vision so we can pinpoint gaps and define a clear path forward.
- Learn more about our Clarity Audit.
Step 2
Welcome & Onboarding
We get everything organized—accounts, goals, and priorities— so we can move quickly and confidently into planning.
Step 3
Personalized Ongoing Guidance
We build and actively manage your N.O.W. plan—income, taxes, and investing—so your retirement stays protected as life and markets change.
FOR HOUSEHOLDS WITH $1.5M+ IN INVESTABLE ASSETS
Who We Help
We specialize in guiding individuals and families through life's most important financial transitions
Pre-Retirement
The Focus:
Building Momentum
Typical Age: 50-60
You’ve reached your peak earning years. The kids are heading to college, and it’s finally time to focus on you. But the strategies that got you here won’t carry you through the next 30 years.
Is This You?
- Worrying your wealth has surpassed your ability to manage it
- Wondering how to maximize the final decade before retirement
- Still accumulating but sensing the rules are changing
- Need a plan that transitions from growth to sustainability
Retiring Soon
The Focus:
The Critical Pivot
Typical Age: 55-65
Retirement isn’t “someday” anymore. Pension decisions, Social Security timing, and income strategies are piling up. You don’t want more complexity. You want clarity.
Is This You?
- Facing critical decisions about pensions and Social Security
- Need a plan that transitions from growth to income
- Ready to simplify your financial life, not complicate it
ALREADY RETIRED
The Focus:
Continuity & Legacy
Typical Age: 65+
You’ve made it. Now it’s about managing your wealth for the long haul—and for the people you love.
Is This You?
- Focused on ensuring your spouse is protected
- Thinking about estate planning and the next generation
- Want to enjoy this chapter without constant financial worry
See yourself in one of these stages?
Let's talk about where you are and where you're headed.
ADDIS HILL
Who We Are
Grounded and insightful financial professionals to help you navigate retirement with calm, clear direction.
FAQ
How do advisors get paid?
As a fee-only fiduciary firm, we are compensated directly by our clients—not by commissions or product sales. Our fees are typically based on a percentage of assets we manage, a flat planning fee, or a combination of both. This structure helps ensure our advice is aligned with your best interests, without incentives to recommend specific products.
Do you have an investment minimum?
We don’t believe in a one-size-fits-all approach. While we generally work with clients who have accumulated around $2 million of investable assets, we focus more on whether we can add value to your situation. If it’s a good fit, we’ll let you know—and if not, we’re happy to point you in the right direction.
How will my information and accounts be protected?
Protecting your personal and financial information is a top priority. We use secure, encrypted systems and work with established custodians to safeguard your assets. Your accounts are held in your name—not ours—and you’ll have full transparency and access at all times.
What’s the difference between fee-only and fee-based?
Fee-only advisors are compensated solely by their clients, while fee-based advisors may earn both client fees and commissions from product sales. That distinction matters—fee-only advisors are held to a fiduciary standard at all times, meaning we are legally and ethically obligated to act in your best interest.
What can I expect in our initial conversation?
Our first conversation is all about you. We’ll take time to understand your goals, concerns, and what prompted you to reach out. There’s no pressure or obligation—just a thoughtful discussion to see if we’re a good fit and how we might be able to help.
Got More Questions?