IMPORTANT CONSUMER DISCLOSURE
Hilltop Wealth Advisors, LLC (“HWA”) is an SEC registered investment adviser located in Chapel Hill, North Carolina. Registration does not imply a certain level of skill or training. HWA may only transact business in those states in which it is notice filed, or qualifies for an exemption or exclusion from notice filing requirements. HWA’s web site is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information is not prohibited by applicable law. Accordingly, the publication of HWA’s web site on the Internet should not be construed by any consumer and/or prospective client as HWA’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet, nor is it a recommendation to engage in any transaction or adopt any strategy. Furthermore, information on this Internet site should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from HWA. Any subsequent, direct communication by HWA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of HWA, please contact the United States Securities and Exchange Commission on their web site at www.adviserinfo.sec.gov or and/or the state securities law administrators for those states in which HWA is registered. A copy of HWA’s current written disclosure statement discussing HWA’s business operations, services, and fees is available from HWA upon written request. HWA does not make any representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to HWA’s web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
ACCESS TO THIS WEB SITE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND WITHOUT ANY WARRANTIES, EXPRESSED OR IMPLIED, REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS WEB SITE OR ANY THIRD PARTY WEB SITE LINKED TO THIS WEB SITE.
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Important information about Hilltop Wealth Advisors and social media:
Hilltop Wealth Advisors (HWA) is not affiliated with the social media networking sites the firm uses such as Facebook, LinkedIn, Instagram, or YouTube. Therefore, HWA has no control over how these and other third-party sites use the information you share.
If you decide to participate on social networking sites, you should be familiar with their respective privacy and security policies, be knowledgeable about how account settings work, and be aware of how user information can be displayed and used throughout the site. HWA cannot emphasize enough that for your own security, you should never communicate any personal or account information using these channels.
HWA social media programs may follow another user, share or provide hyperlinks to third-party content, and “like/favorite” third-party content. Doing so is intended to provide additional perspective and should not be construed as an endorsement of any services, products, guidance, individuals, or points of view outside of HWA. All content distributed through HWA’s social media channels are intended for U.S. residents only.
Whenever a third-party posts content to our social media properties, this information remains the responsibility of the party submitting the content and does not represent HWA viewpoints or serve as an indication or guarantee of future results. Content posted on HWA’s social media channels should not be considered a recommendation or personalized advice. Before investing or using any strategy, individuals should consult with their tax, legal, or financial advisor. Posts by others that describe opinions, views or experiences may not be representative or indicative of another's personal experience. Members and connections that have a business relationship with HWA or have other beneficial interest in commenting should be aware that they may have obligations to disclose that relationship or interest in their posts. HWA reserves the right to remove comments received from third parties based on its established criteria.
Lastly, Hilltop Wealth Advisors operates in the highly regulated financial services industry which extends to HWA’s use of social media. Please keep this in mind as HWA conducts conversations and interacts through social media.
Members of the Hilltop Wealth Advisors team hold certain professional designations:
APMA® designees have completed a course of study encompassing client assessment and suitability, risk/return, investment objectives, bond and equity portfolios, modern portfolio theory and investor psychology. With hands-on practice in analyzing investment policy statements, building portfolios, and making asset allocation decisions including sell, hold, and buy decisions within a client’s portfolio. Individuals must pass an end-of-course examination. For more information visit: https://www.kaplanfinancial.com/wealth-management/apma
The AWMA® designation is a financial planning designation awarded by the College for Financial Planning® to individuals who meet its education, examination, and code of ethics. The education portion is an eight-module course of study focused on the unique needs of high-net-worth clients encompassing behavioral finance, working with small business owners, succession and exit planning, and fiduciary and regulatory issues. For more information visit: https://www.kaplanfinancial.com/wealth-management/awma
The CASL® designation is a financial planning credential awarded by the American College to individuals who satisfy its education, work experience and ethics requirements. Recipients of the CASL® certification have completed at least five mandatory college-level courses in the areas wealth management, preservation and transfer. In order to maintain the designation, CASL® holders must satisfy the ongoing requirements of the Professional Achievement in Continuing Education (“PACE”) Recertification Program, which includes 15 hours of continuing education at least every two years. For more information visit: https://www.theamericancollege.edu/designations-degrees/legacy-programs
The CDAA designation is a digital assets credential awarded by the Planner DAO to individuals who meet its educational and examination requirements. Certificates are required to have completed the CDAA educational program, which is designed to provide training in technical and practical applications of cryptocurrency and other digital assets, blockchain technology, and decentralized finance. Recipients are further required to successfully pass a practical examination consisting of challenges that demonstrate the ability to execute cryptocurrency transactions. On an ongoing basis, CDAA designees are also required to complete at least 12 hours of CDAA-approved coursework, including 2 hours of compliance education. For more information visit: https://www.certifieddigital.org/.
The CFP® certification is a financial planning credential awarded by the Certified Financial Planner Board of Standards Inc. (the “CFP Board”) to individuals who meet its education, examination, experience and ethics requirements. Eligible candidates are generally required to have three years of financial planning related experience and possess a bachelor’s degree from an accredited U.S. college or university. Certificants are further required to complete a CFP Board-Registered Education Program (or possess a qualifying professional credential), clear a personal and professional background check, and pass the CFP® Certification Examination. In order to maintain the certification, CFP® designees must also complete at least 30 hours of continuing education every two years on an ongoing basis. For more information visit: https://www.cfp.net/get-certified/certification-process
The ChFC® designation is a financial planning credential awarded by the American College to individuals who satisfy its educational, work experience and ethics requirements. Recipients of the ChFC® certification have completed at least seven mandatory college-level courses in the areas of financial, insurance, retirement and/or estate planning, as well as income taxation and/or investments. Additionally, recipients have completed at least two elective courses on the financial system, estate planning applications, executive compensation, and/or retirement decisions. In order to maintain the designation, ChFC® holders must satisfy the ongoing requirements of the Professional Achievement in Continuing Education (“PACE”) Recertification Program, which includes 30 hours of continuing education at least every two years. For more information visit: https://www.theamericancollege.edu/designations-degrees/ChFC
The CLU® designation is an insurance credential awarded by the American College to individuals who meet its educational, work experience and ethical requirements. Recipients of the CLU® designation have completed five required college-level core courses and three electives, covering all aspects of insurance planning, estate and retirement issues, taxation, business insurance and risk management. Recipients are further required to have three years of full-time business experience and must adhere to the American College Code of Ethics and Procedures. In order to maintain the designation, CLU® holders must satisfy the ongoing requirements of the PACE Recertification Program, which includes 30 hours of continuing education at least every two years. For more information visit: https://www.theamericancollege.edu/designations-degrees/CLU
The CRPC® designation is a retirement planning credential awarded by the College for Financial Planning® to individuals who meet its educational, examination and ethical requirements. Certificants are required to have completed the CRPC® Designation Program, a self-taught educational program focused on various pre- and post-retirement needs of individuals. Recipients are further required to have successfully passed a multiple-choice examination addressing a range retirement related matters, such as estate planning and asset management. On an ongoing basis, CRPC® designees are also required to affirm their adherence to the applicable Code of Ethics and complete at least 16 hours of continuing education every two years. For more information visit: https://www.kaplanfinancial.com/wealth-management/crpc
The CRPS® designation is a retirement plan related credential awarded by the College for Financial Planning® to individuals who meet its educational, examination and ethical requirements. Certificants are required to have completed the CRPS® Program, a self-taught educational program designed to educate professional who design, install and maintain retirement plans for the business community. Recipients are further required to have successfully passed a multiple-choice examination addressing a range of retirement plan related matter. On an ongoing basis, CRPS® designees are also required to affirm their adherence to the applicable Code of Ethics and complete at least 16 hours of continuing education every two years. For more information visit: https://www.kaplanfinancial.com/wealth-management/crps
The CSLP® is a student loan advising credential awarded by the CSLA Board of Standards to individuals who meet its education, examination, experience, and ethics requirements. Eligible candidates are generally required to have 2 years of financial planning related experience or possess a bachelor’s degree in business, economics, finance or closely related field from an accredited college or university. Certificants are further required to complete the CSLP Program consisting of 4 courses and pass the CSLP exam. In order to maintain the certification, CSLP® designees must also complete newly released or amended courses form the Board and pass an Annual Recertification Exam. For more information visit: https://cslainstitute.org/the-cslp-program-content