Services
Fee-Only Financial Advisors
Why Hill Island Financial?
At Hill Island Financial, we believe that financial planning is more than numbers—it’s about building a legacy. As fee-only financial advisors, we take an intentional, multi-generational approach to family wealth management. By aligning your goals with tailored strategies, we create opportunities for long-term financial success while focusing on transparency, trust, and your best interests.
Focusing on customized investment management and long-term family goals, we aim to provide opportunities to improve financial outcomes. We’re dedicated to preparing the next generation for wealth transfer, laying the groundwork for their financial goals.
As appropriate, we involve the next generation in the family financial planning process to ensure your loved ones remain informed of your priorities and hopes for the future.
Meet Hill Island Financial
What is a Fee-Only Financial Advisor?
A fee-only financial advisor is exactly what it sounds like: We are compensated solely by the fees our clients pay us. We do not earn commissions from selling investment products or other financial instruments.
In contrast, many financial advisors receive commissions when they sell certain investments or products. That means they may be incentivized to recommend options that pay them the most rather than what’s best for you.
At Hill Island Financial, we sit on the same side of the table as you. Our success is directly tied to your success. We do better when you do better. That’s the way financial advising should be.
Why does Fee-Only Matter?
Here’s why working with a fee-only, fiduciary financial advisor like Hill Island Financial is a smart choice:
- No Conflicts of Interest – Our advice is entirely objective since we don’t earn commissions. You can trust that every recommendation is made with your best interest in mind.
- We Succeed When You Succeed – Our fees are based on a percentage of the assets we manage for you. If your investments grow, so does our compensation. We’re invested in your financial success—literally.
- Comprehensive Financial Planning – We offer a holistic approach to your financial well-being, covering investments, tax planning, estate planning, retirement strategies, and more, all for one inclusive fee.*
- Educational Support – Educating the next generation about financial principles is a cornerstone of our approach, enabling a seamless wealth transition. We offer complimentary investment services to our clients’ children for assets valued under $100k.
- Full Transparency – You’ll always know exactly what you’re paying and why. There are no hidden fees and no surprises—just straightforward, honest financial guidance.
- Fiduciary Commitment – As a fiduciary firm, we are legally required to act in your best interest. Not all advisors can say that.
How can we help?
Why Work with Hill Island Financial?
There are plenty of financial advisors out there, but here’s what makes Hill Island Financial different:
- Rooted in Grand Rapids, Michigan, Serving Clients Nationwide – While we proudly serve the Greater Grand Rapids and West Michigan area, our expertise extends across the country, helping families with $2 million and more in assets grow and protect their wealth.
- We Listen More Than We Talk – No cookie-cutter strategies. We take the time to understand your unique financial situation and craft a plan that fits your goals, family, and legacy.
- Evidence-Based Investing – Our investment strategies aren’t based on gut feelings or trends. We use academic research and time-tested principles to guide our decisions.
- Family-Focused Approach – We work with multiple generations, helping ensure your wealth benefits not just you but your children and grandchildren.
- Boutique Service, Big Expertise – With a 62:1 client-to-advisor ratio, you get personalized attention and an elite network of tax, legal, insurance, and banking professionals.
At Hill Island Financial, we built the firm we always wanted—one that values relationships over transactions and objective advice over commissions. We sit beside you, offering honest, tailored guidance to grow and protect your wealth.
Kevin Toler, CRPC®, APMA®
Partner & Private Wealth Advisor.
Ready for Financial Advice That Puts You First?
If you’re looking for a financial advisor who’s genuinely on your side, Hill Island Financial is here to help. Let’s discuss your future—without the sales pitch, pressure, or hidden fees.
*Note: Tax and estate planning services are provided in collaboration with trusted professionals within our network.
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