Cliff Hawkins

ChFC®, MS, NSSA®

Partner & Private Wealth Advisor

About Cliff

At Hilltop, my days are filled with diverse responsibilities focused on helping clients achieve their financial aspirations. Whether I’m deep in financial planning, crafting strategic tax strategies, or facilitating transition planning, my main goal is always to prepare clients for life’s inevitable ups and downs. For me, this work isn’t just a job—it’s a passion deeply rooted in my upbringing. I grew up in a household where retirement planning was nonexistent, and I saw firsthand the impact of financial uncertainty. This upbringing drives my commitment to providing holistic financial planning and education, empowering clients to realize their financial dreams.

In 2020, I decided to join Hilltop and integrate my 15 years of experience with the firm. I chose Hilltop because of the firm’s fiduciary values and comprehensive, holistic approach to financial planning. Since joining Hilltop, I’ve continued to expand my knowledge, especially in navigating the nuanced landscape of retirement planning for my clients.

Many of my clients, once unsure about their retirement prospects, have found clarity and confidence through our holistic approach to financial planning. Witnessing their transformation from uncertainty to certainty in retirement is immensely rewarding—a testament to the impact of comprehensive financial planning.

✔ Credentials

Areas of Expertise:

Comprehensive Financial Planning, Tax Planning Strategies, Income/Cash Flow Coaching 

Education:

Bachelors – Grand Valley State University
Masters – Michigan State University 

Membership:

National Social Security Association, LLC 

Questions & Answers

Most effective saving tip:

Save early, save often, and most importantly automate the process.

Who inspires me:

My daughter’s Devin and Nola.

My greatest extravagance (under $100):

Golf balls, I seem to lose a lot of them!

What inspires me:

Hard working, dedicated people succeeding through the fruits of their efforts.

My investment philosophy in action:

Keep the big picture in mind and avoid focusing on the short-term noise! Being patient, with a long-term focus, leads to greater success than chasing the social media investment of the day.

What Our Clients Are Saying About Cliff

Excellent

Hilltop Wealth & Tax Solutions5.0

Based on 123 reviews

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Brian Burks

2 months ago

Cliff and team are a pleasure to work with. He explains options clearly so you are always making well informed decisions.

Response from the owner:Brian, thank you for the kind words! We’re glad to hear that Cliff and the team have made the planning process clear and comfortable. Helping clients understand their options and make informed decisions is something we take great pride in. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Karen Field

2 months ago

Mark & I's experience is always awesome with Cliff he explains to the T sometime over to us he has help us out so much & such a GREAT guy who we trust beyond!! Mark & Karen Field

Response from the owner:Karen, thank you for sharing this! We're delighted to hear that Cliff continues to make complex topics easier to understand and provides the support you're looking for. We appreciate the confidence that you and Mark have placed in him and our team. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Rachel Freese

3 months ago

Cliff and Kyle are absolutely amazing to work with. No matter your age, they listens to your goals, aspirations, and works with you when you need to meet them. Cliff and Kyle are both approachable, always have a smile on their faces, and are a fantastic choice to work with as your financial advisor!

Response from the owner:Cue the confetti! 🎉 We love hearing from happy clients. Thanks for your kind words, Rachel—it means the world to us! *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Linda Waite

3 months ago

Cliff is an excellent financial planner for us. He takes the time to explain strategy to keep us ahead of the game. Knowledgeable and trustworthy. We appreciate his expertise.

Response from the owner:Thanks, Linda! It’s great to hear Cliff’s guidance and attention to detail have been helpful as you plan ahead. We appreciate you sharing your experience. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

David Lein

4 months ago

We have ben working with Cliff Hawkins and his team over the last few years and find them to be very professional and helpful putting together a successful financial plan that works! Great person and team, thank you.

Response from the owner:David, thank you for your kind words! We’re glad to hear that working with Cliff and the team has been a positive experience and that their guidance has been helpful as you build your financial plan. We truly appreciate your trust. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Leyna Hoffer

4 months ago

I’ve had a wonderful experience with Hilltop Wealth & Tax Solutions. My advisor, Cliff Hawkins, has been fantastic to work with—he’s knowledgeable, responsive, and genuinely committed to helping me stay on track with my retirement goals. Cliff takes the time to explain things in a way that’s easy to understand and always makes me feel comfortable and confident in my financial plan. It’s clear he truly cares about his clients. And as a bonus, he’s always willing to chat a little football—which makes every conversation even better. Let’s just say we don’t always agree on teams… but that’s part of the fun! 😉 Highly recommend Cliff and the entire Hilltop team!

Response from the owner:Leyna, thank you for such a thoughtful review! We’re so glad to hear that Cliff’s approach has made your experience both comfortable and informative. And we couldn’t agree more—those football conversations definitely add a little extra fun along the way (even with some friendly rivalry 😉). We truly appreciate your trust and recommendation! *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Diane Wilson

5 months ago

We have been with Hilltop Wealth Solutions for just over 1 year and are 1,000% happy with our experience and fiduciary oversight and growth. Cliff Hawkins and his financial support team have given us individualized financial direction with specific investment goals. We are extremely elated with the support and guidance he and his team are providing us. We unequivocally recommend this firm.

Response from the owner:Diane, thank you for the thoughtful feedback! We’re so glad to hear that your experience with Cliff and the team over the past year has been a positive one. Providing personalized guidance and a strong planning approach is what we strive for, and we truly appreciate your trust and recommendation. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Tim Fountain

5 months ago

Cliff is an excellent advisor. We've been working with him for a few years now and he's help mold our retirement plan. If you are looking for a financial advisor, give Cliff a call. He's wonderful to work with.

Response from the owner:Tim, thank you for the kind words! We’re glad to hear that working with Cliff over the years has been a positive experience and that his guidance has been helpful as you shape your retirement plan. We appreciate you taking the time to share your feedback. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Mike Root

5 months ago

Cliff Hawkins is a wonderful retirement and investment advisor! We’ve never slept better than after we became friends and partnered with him for our retirement planning. We are confident in our financial future, thanks to Cliff. We highly recommend him.

Response from the owner:Mike, thank you for the thoughtful feedback! We’re so glad to hear that working with Cliff has brought clarity and confidence to your retirement planning. It means a great deal to know you feel supported, and we truly appreciate your trust and recommendation. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Cindy Marchant Lux

9 months ago

We just recently started with Cliff about 6 months ago. His returns and attention to us have been 10 stars! He has taken on the role of CFO for us planning and strategizing for our future. We have discussed capital gains, Roth conversions, IRMAA considerations, among other things. Can't wait to see what the future with Hilltop and Cliff do for our future!

Response from the owner:Thank you, Cindy! We’re thrilled to hear how much you’ve enjoyed working with Cliff these past few months. His strategic, hands-on approach is what we aim to bring to every client relationship, and it’s great to know you already feel the benefits. We appreciate your trust and look forward to being part of your continued success. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

DeVon Swihart

9 months ago

Always friendly visit with excellent advice. Cliff always makes you feel that you are a very important client, answers all our questions, and makes great suggestions.

Response from the owner:Thank you, DeVon! We’re so glad to hear your visits with Cliff have been both friendly and helpful. It’s wonderful to know you feel valued and supported in every conversation, we appreciate your trust in the Hilltop team. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

J L

9 months ago

My husband and I meet with Cliff on a regular basis. Sometimes it only requires a phone call about a specific subject. Cliff helps guide us with our financial decisions and we have had a pleasant time working with him from day one. Hilltop has been one of our best decisions we have made together as a couple. Cliff and the Hilltop team have been a big plus all around for us.

Response from the owner:Thank you so much for the kind words! We’re delighted to hear that Cliff and the Hilltop team have made a lasting difference in your financial journey. It’s wonderful to know you’ve felt supported and confident in your decisions from day one, we truly value your partnership. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Jake everts

1 year ago

Working with Cliff and his team has been such a great experience. He takes a very practical approach to managing money… allowing for you to live your life while planning for what’s ahead. He’s been very responsive whenever I reach out and easy to get a hold of. Overall a great experience and looking forward for the years to come! Go Lions and Go Green baby!!

Response from the owner:Thank you, Jake! We’re thrilled to hear your experience with Cliff and the Hilltop team has been such a positive one. Cliff’s practical, responsive approach is exactly what we aim to deliver—helping clients live fully today while planning wisely for tomorrow. We appreciate your trust and look forward to supporting you for many years to come. And on behalf of Cliff—Go Green!! *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

John Oh

1 year ago

I have collaborated with Cliff for the last five years, and it has been an excellent experience. In his role as my personal CFO, Cliff has crafted a robust financial strategy to assist me in achieving my retirement and wealth objectives. Hilltop consistently impresses me with its growth, product offerings, and value enhancements. Keep up the great work.

Response from the owner:Thank you, John! We truly appreciate your continued trust over the past five years. It’s been a privilege for Cliff to serve in a personal CFO role and help build a strategy aligned with your goals. Your recognition of Hilltop’s growth and value means a great deal to our entire team—thank you for the kind words and encouragement! *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Fort Myers Realtor Billee Silva

1 year ago

We recently switched to Hilltop Wealth & Tax Solutions and couldn’t be more impressed with our financial advisor, Cliff Hawkins. He’s patient, takes the time to explain things in a way that makes sense, and keeps us informed every step of the way. After years of working with advisors from other companies who barely stayed in touch, Cliff’s communication and follow-through have been a game-changer. He’s on top of everything, and we’ve already seen a profit in just the first few months. Highly recommend Cliff if you're looking for someone who truly looks out for your financial well-being.

Response from the owner:Thank you, Billee! We’re thrilled to hear that Cliff’s communication and hands-on approach have made such a strong impression. Providing clarity, consistency, and care is what we aim for, and we’re so glad you’re already feeling the Hilltop difference. We appreciate your trust and recommendation! *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Amanda Corda

1 year ago

We have had our Hilltop financial advisor, Cliff, for over 3 years and we couldn't be happier with our choice! He has helped us with budgeting for a wedding, a new apartment and starting a family on two teacher salaries. My husband and I feel like our best interests are always in mind and have seen our money and habits improve with each year with the help of Hilltop. We value the connection we have made with our financial advisor over the years and feel we have gained not only a financial advisor but also a friend over the years. We feel comfortable discussing our financial concerns and mistakes with him with no worry of feeling judged. My husband and I feel optimistic about our future plans and family being well taken care of and it's all thanks to the help and advice of Cliff at Hilltop!

Response from the owner:Thank you for such a thoughtful and generous review, Amanda! It’s incredibly rewarding to know that Cliff’s guidance has made a lasting impact on your financial journey. Building lasting relationships and providing support is exactly what we aim for. We’re honored to be part of your story and excited for all that lies ahead! *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Brent Helgoth

1 year ago

The team at Hilltop is excellent in every way! We are so happy to have found Cliff and his team. When we came to Cliff we had a lot of uncertainty in our financial future. We now have a great plan in place and have a ton of confidence that we are doing the right things

Response from the owner:Thank you for the great feedback, Brent! We’re so glad to hear that Cliff and the team have helped bring clarity and confidence to your financial journey. It's our privilege to support you, and we’re grateful for the opportunity to walk alongside you with a plan in place. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

BoardXFool

1 year ago

I cannot say enough good things about Hilltop Wealth & Tax Solutions......and ESPECIALLY......our wealth advisor Cliff Hawkins. Cliff's determination for us to succeed and his positive spirit is infectious and inspiring. We have also used their tax services and both Kimberly Williams & Megan Washington were awesome. HWTS even have an in house insurance specialist. This is truly a 1-stop for all your financial, tax and future planning. You will not be disappointed!!!

Response from the owner:Thank you so much for your thoughtful review! We’re thrilled to hear that Cliff’s guidance, along with Kimberly and Megan’s support, has left such a strong impression. Our entire team is committed to creating a comprehensive, encouraging experience—so your feedback truly means a lot. We’re grateful to be part of your journey! *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Patrick Gallagher

1 year ago

Had an interesting & informative meeting with Cliff Hawkins on my investments. Thanks Cliff!

Response from the owner:We appreciate your positive review, Patrick! It’s our privilege to support your planning needs, and we’re glad to know your experience was a good one. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Daniel Hanson

1 year ago

Cliff, Thanks for taking the time. Great annual review. We'll catch up soon. (And nice 'new' office digs as well.)

Response from the owner:Dan, we’re honored you enjoyed our new space and took the time to share your experience! Thank you for being part of the Hilltop community. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Melissa McClendon

1 year ago

Cliff and the Hilltop team are amazing! They helped us organize our financial life by looking at our current situation and making a very workable plan so we can accomplish our future goals. We're so grateful for their help! 😊

Response from the owner:Thank you for the 5 stars, Melissa! It’s our privilege to support your planning needs. We appreciate your kind feedback and continued trust. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

chris padgett

1 year ago

Cliff and Kim very personable. He has a good handle on my specific overall financial situation and my temperament concerning markets and risk. Since I’m a relatively new client time will tell if my switch to the firm was a smart decision. So far so good.

Response from the owner:Thanks so much for your review, Chris! We’re committed to providing a thoughtful, personalized experience and appreciate your feedback. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Regina Forster

1 year ago

Thank you Cliff for your excellent attention to detail. It is comforting knowing that you always have our best interest in mind. We appreciate your patience and your thoroughness when reviewing the details of our portfolio. The service you and your team provide exceed all expectations! WE appreciate you!!!

Response from the owner:Thanks for the thoughtful review, Regina! We’re proud to have earned your confidence and are here to help however we can. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Jon Ecker

1 year ago

Our experience with Cliff, Kim and the entire Hilltop team has always been exemplary! When we moved to Florida, we made the tough decision to leave a 20+ year relationship we had with our previous financial advisor and find someone local. The professional service which has been provided is very appreciated. Cliff and his staff stay on top of our accounts and are always available for discussions and questions. Very personable and always explains things in a manner which is easy for us to understand.

Response from the owner:It’s always encouraging to hear from satisfied clients, Jon! Thank you for your kind feedback and continued trust in our team. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

Kelley Edelbrock

1 year ago

We have been working with Cliff Hawkins at Hilltop Wealth and Tax Solutions for a couple of years now. Our service has been excellent and very professional. It is very refreshing to know that our financial future is being carefully planned for and thoroughly prepared for so well. Hilltop comes with our highest recommendation.

Response from the owner:Thank you for the 5 stars, Kelley! It’s a pleasure working with you, and we’re honored to be part of your financial planning journey. *Testimonials are based on unique experiences from current clients and are not representative of all client experiences, which are unique. Testimonials are solicited; however, no cash or non-cash compensation was paid for such testimonials.*

The following reviews are based on experiences from current clients. No compensation was provided to clients. The ratings and comments reflect each client’s own views and opinions, and there are no known conflicts of interest. All ratings are included in the overall rating and all comments are published unless they meet one or more exclusion criteria.

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