# Hilltop Wealth Solutions

Hilltop Wealth Solutions is a Bank / Wealth / Trust based in Mishawaka, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Mishawaka, United States
- **Region:** North America
- **Address:** Mishawaka, IN, United States
- **Founded:** 2018
- **Assets under management:** Undisclosed
- **Website:** hilltopwealthsolutions.com
- **LinkedIn:** https://www.linkedin.com/company/hilltopwealthtax

## About

Launched in 2018, Hilltop Wealth Solutions was built to serve the wealth management needs of high-net-worth individuals and families, with a specific footprint in Indiana's manufacturing and business-owner communities. The firm operates out of Mishawaka, a city adjacent to South Bend that anchors a regional economy historically tied to durable goods, logistics, and private enterprise. Its foundation reflects a broader post-Dodd-Frank trend: experienced advisors departing wirehouses to establish independent RIAs that combine fiduciary standards with local relationship banking. The firm provides financial planning, asset management, and portfolio construction services. Its typical client profile includes business owners navigating liquidity events, multigenerational families requiring estate coordination, and professionals seeking tax-aware investment strategies. While specific portfolio positions are not publicly disclosed, the firm's ADV filings and marketing indicate a reliance on diversified managed portfolios that blend active and passive fixed-income and equity exposures, often incorporating tax-mitigation overlays relevant to Indiana's state tax environment. The geographic focus remains the northern Indiana and southern Michigan corridor. Hilltop Wealth Solutions operates as a lean advisory practice, with a team size consistent with a boutique RIA serving a concentrated client base. The firm has not disclosed a dedicated institutional vehicle or outside capital vehicle. In May 2024, its regulatory disclosures remained consistent with a firm managing discretionary assets for individual and family accounts (per SEC IAPD records, May 2024). The practice maintains no public philanthropic foundation or adjacent operating company, distinguishing it from larger multi-family offices that layer those structures into their service model. Hilltop's structural differentiator lies in its independent RIA registration in a geographic market where bank-owned wealth management divisions and national wirehouses dominate. By operating as a direct fiduciary in Mishawaka rather than a regional trust department, the firm offers a governance model where portfolio decisions are not driven by proprietary product distribution quotas, a meaningful distinction for local business owners accustomed to transactional banking relationships.

## Questions

### Who runs investment decisions at Hilltop Wealth Solutions?

Hilltop's investment and advisory team operates the practice through its SEC-registered investment adviser entity. While specific named portfolio managers are not widely published, the firm's ADV filings reflect a structure where senior advisors manage discretionary portfolios directly for client accounts. The firm has not publicly designated a separate CIO function.

### What is the typical client profile for the firm?

Hilltop targets high-net-worth individuals and families in northern Indiana and southern Michigan, with a particular emphasis on business owners and executives. Clients often include those who have experienced a liquidity event from selling a closely held manufacturing or service business. The firm also advises multigenerational families seeking estate transfer and tax planning.

### How is Hilltop Wealth Solutions regulated?

The firm is registered with the Securities and Exchange Commission as a Registered Investment Adviser (RIA), which imposes a fiduciary duty to act in clients' best interests. This is distinct from brokers operating under a suitability standard. Its Form ADV is publicly available through the SEC's IAPD database.

## Related profiles

- [Hilltop Wealth Advisors](https://altss.com/profile/hilltop-wealth-advisors)
- [Hillview Capital Advisors](https://altss.com/profile/hillview-capital-advisors)

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Last updated: 2026-06-03T20:00:00.000Z

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