Actively Listen to your goals, Methodically Measure your risk tolerance and objectives, and Implement & Monitor your plan.
I do NOT work alone. The recipe for success lies in preparation and calling on the appropriate expertise. If you don’t already have a Certified Public Accountant and or Estate Attorney I will help you find one with whom you are comfortable. Your CPA, Estate Attorney and I will work as a team. Together we will set you up to be successful.
Investment Process: A premeditated and carefully calculated plan provides a much greater opportunity to accomplish goals than avoidance due to unknowns.
Time is on my side! I will be here for your children and grandchildren. I can provide the financial continuity your family needs and deserves.
There are certain life events that require expertise to successfully navigate. While building my practice there are four events in which I deliver excellent value to help my clients navigate complex financial transitions.
Single Decision Maker: widows, widowers, and or divorcees have a unique set of challenges not exclusive to Estate transition and or Qualified Domestic Relation Orders.
Transitioning Wealth: beneficiaries of funds from a relative or close friend must prepare for tax efficient and sustainable investment practices for long term success.
Retired or Nearly: baby boomers and generation Xers benefit greatly and have a better chance of living the life they want in retirement with a plan for tax efficient income generation and investment strategies.
High Earner Not Rich Yet (HENRY): you make a good living but all of your assets are in your work retirement plan. You can benefit from my consulting service. In this service I will review employer sponsored retirement plan investment strategies, building a customized financial plan, and help answer financial questions.
My Service Commitment
Respond to emails and phone calls within 24 business hours
Provide proactive recommendations based on your goals
Meet with you at least once per year or as needed to review your road map and portfolio
Help your family and friends with money questions. Regardless of whether or not they have an advisor provide them my information, no strings attached.
About Caroline Hill, MBA
Caroline Hill is a Rochester, NY native who greatly values the rich history and culture of small and medium businesses that are the fabric of our community. She comes from a family of entrepreneurs who value hard work, personal relationships, and trust. Caroline started her career in the corporate world at Xerox Corporation. For half a decade she helped businesses improve their bottom line and crafted customized solutions. Caroline took these skills and translated them into a career of helping people; not just corporations. She is a lifelong learner. She earned her M.B.A. from the University of Akron and Bachelor’s in Chinese Studies from St. Lawrence University. She also earned an Executive Education Certificate, Investment Management Theory & Practice, at the Yale School of Management. The year-long curriculum is for financial advisors pursuing the ability to provide the highest quality advice in the financial services industry.
Caroline serves as President of the Allendale Columbia School Alumni Association. She is a member of the Greater Rochester YMCA Investment Committee and the YMCA's Women in Business Volunteer Board and has also served as Trustee at First Presbyterian Church and Chair of the Finance Committee.
Outside the office she enjoys exploring locally owned restaurants, skiing, and singing with Rocapella. Rocapella is a local acapella group that sings for people who need joy who otherwise would not have access to musical performance. She is a dog lover and resides in Rochester with her labrador Sassafras and husband Dr. Stephen Hill
Caroline's volunteer work with the YMCA.
One of the many benefits of working with a Sage Rutty Advisor is the access you receive to our Financial Planning Department.
Working in tandem with our advisors,
Victoria Chase Parker, CFP®, CDFA®, CHSA® and
Aaron Young, CFP®, CRPC®, CHSA®, AIF®
provide decades of experience in the Financial Planning realm.
Sage Rutty University Seminars
8 Tax Strategies: Your Blueprint for Post-COVID 2021 Investing
In this workshop, we will explore a number of powerful tax-savings strategies to consider implementing now, including how to grow your portfolio in a tax-efficient way. Join us to learn how to reduce your capital gains tax so you keep more of the money you make. We will also highlight some of the simple changes you can make today to pass more money to your heirs.
Xerox Employee New Horizon:
Do you currently work for Xerox? Because of the Fuji-Xerox acquisition, your job may be affected. It is important to know that you are in control of your future. Whether your job is eliminated through consolidation, you voluntarily retire or involuntarily retire, the keys to surviving the transition financially are to plan ahead, take stock of your income, and cut your expenses.
If you need guidance in planning your next steps, please review our Xerox Employee Separation Guide. To receive it, simply provide your email address below.
If you require further guidance, please feel free to set up a personal meeting with Caroline. We are here to help!