Welcome to Carmichael Hill

Registered Investment Advisors

We are a SEC registered investment advisor helping high achieving couples plan and prepare for retirement.

Retirement planning starts while you’re still working – and continues after the transition.

Managing wealth across decades is hard. Laws change, taxes change, and so will your life. Keeping your finances in top shape through all of it requires comprehensive expertise across multiple disciplines.

We’ve spent more than thirty years practicing our craft and building a process that brings together all the components of your financial world. We want to share it with you.

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Our Process

Ongoing Financial Planning and Investment Management

At Carmichael Hill, we focus on you. We’ll help you define your vision and design a strategy to achieve it. As a fiduciary, we work for you and your family’s best interest. We understand what feels like to embark on a new path, and we’re here to help you navigate it.

Moving to income generated by your savings is the biggest step in transitioning away from work. We specialize in guiding our clients through the process, and no detail is too small.

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We believe portfolios should be built to maximize your chances of meeting your objectives, not to outperform an arbitrary benchmark.

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Age and longevity aren’t the only considerations. We’ll help you optimize your timing decision.

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Lower taxes in retirement aren’t automatic. It takes planning, and we work with your tax professional to help minimize taxes at every step.

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Attending the summary meeting once a year during annual enrollment may not always be enough. We comb through the details so you don’t have to.

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We are a fee only firm that makes no money when you buy a policy. Our goal is to ensure you have no gaps in coverage first and foremost. Minimizing and reducing your costs comes next.

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Your money should flow to the people you love and the causes you care about when you pass. Doing it efficiently takes planning.

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Investment Philosophy

Investing wisely doesn’t have to be complicated

We focus on doing the basics well when we put together portfolios for our clients, and it’s that simple architecture that allows us to construct customized portfolios for everyone we work with. There are no cookie-cutter solutions here, but there are principles and core beliefs we apply to every account:

Markets are a voting machine in the short-term and a weighing machine in the long-term.

It’s substance that matters, not popularity. Don’t chase hot stocks.

Diversification is the only free lunch.

Spread your money across asset classes, sectors, and geographies. Don’t bet the farm.

Rebalance systematically.

Avoid concentrated positions and unnecessary exposures.

Keep costs low.

Use low-cost index funds and ETFs and minimize transaction costs.

Taxes matter.

Use tax-advantaged retirement accounts where you can. Harvest losses in taxable accounts and be thoughtful about tax-advantaged asset classes, such as real estate and municipal bonds.

Market timing doesn’t work.

Compounding gains year over year does.

Simple solutions > complicated solutions.

If you can’t explain it you probably shouldn’t own it.

Don’t listen to the noise.

You aren’t likely to find the answers from TikTok influencers, your coworkers, or TV commentators.

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Free Retirement Assessment