Addis Hill

Addis Hill Addis Hill is an independent fee-only fiduciary personal wealth management firm helping people navigate the complexity associated with retiring.

Addis Hill is a fiduciary and fee-only financial advisor firm based in the Greater Philadelphia area. We are dedicated to helping clients achieve their financial goals and transition smoothly into retirement and the next phase of their lives. We believe that retirement should be a time of relaxation and enjoyment, not stress and uncertainty. Let us help you take control of your financial future an

d achieve your retirement dreams. If you're looking for a trusted and knowledgeable partner to help you prepare for and transition into retirement, contact us today. We'd be honored to be a part of your journey.

04/30/2026

Hiring a financial advisor can be challenging, especially if you don’t quite know what your looking for.

Here’s what Chip had to say about the 5 primary questions he would ask if he was interviewing a financial advisor.

1️⃣ Are they a fiduciary?
2️⃣ How are they compensated?
3️⃣ What does the planning process look like?
4️⃣ How do they handle taxes?
5️⃣ What happens during market fluctuations?

The answers they give will help you understand their process and philosophy to decide if they might be a good fit.

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04/28/2026

There’s a short window in retirement where your taxes may be the lowest they’ll ever be.

No Social Security yet.
No RMDs.

That’s your Roth conversion window.

Done right, it can reduce lifetime taxes and create more tax-free income down the road.

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04/23/2026

The first few years of retirement are crucial. You want to continue growing what you’ve saved but are now leaning on those savings to generate income.

But what happens if you retire in a down market?

If you aren’t prepared, it can have a serious impact on your overall plan. If you’re pulling from your assets as they are decreasing in value, you are effectively locking in losses and leaving less money invested to recover when the market bounces back.

The key to all of this is making sure you have enough cash reserves so you aren’t forced to sell equities when they might be taking a big hit.

Retiring in a down market isn’t impossible, as long as you have the right mindset and strategies in place.

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04/21/2026

What’s the difference between someone’s portfolio in their 40s and their portfolio in their 60s?

The general answer is volatility protection. But it goes deeper than that.

Chip reiterates the fact that each plan, portfolio, or strategy is different for each situation. However, as you move closer to retirement, people tend to shift away from risk and focus on predictability.

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04/16/2026

Which investment accounts do you pull from first in retirement?

Generally, you follow this rule of thumb:

1. non-retirement accounts
2. Retirement accounts (401k / IRA)
3. Roth accounts

However, every situation is different, and the real goal is finding a strategy that works for you, while also limiting the tax impact.

Here, Chip shares how withdrawal strategies fit into Addis Hill’s Optimized Tax Strategy approach.

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04/14/2026

Stress testing is a crucial part of the financial planning process, but has anyone ever told you why?

Chip shares why Addis Hill places such importance on stress testing a client’s plan. Whether it’s to determine the best investment allocations, the impact of changes in spending, or the Social Security filing age, testing your plan is key.

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04/10/2026

What’s the difference between a portfolio that stays fully invested over 25 years, and the portfolio that misses the 40 best days? A LOT!

We talk about staying disciplined day after day, but here Chip talks about why that’s so important. Missing just 40 of the best days in the market can have a massive impact on a portfolio, and the market recovery on April 8th showed just that!

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04/07/2026

What does it mean to be tax efficient? Well, it means placing the right asset classes in the right accounts. Chip gives a breakdown of the different accounts by tax treatment, and some examples of assets to consider hold in each.

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04/03/2026

The #1 thing that most retirees overlook isn’t about money.

Chip shares what he sees many retirees struggle with early on in retirement and the 1 thing many people overlook when thinking about retirement. Purpose.

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04/01/2026

How do you put market movements into perspective? You wait. Market changes happen in an instant - and yesterday’s global news reminded us exactly why. Here’s what Chip had to say.

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Address

200 W. Lancaster Avenue
Wayne, PA
19087

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+16106889500

Website

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