At HT|TC Wealth Partners, your financial journey is more than just numbers on a page — it’s the story of your life, values, and future. We offer more than traditional financial services; we’re your collaborative, lifelong partner in shaping a path that aligns with who you are and what you care about most. Whether it’s preparing for the next chapter in your life, protecting what you’ve built, or planning for your legacy, we’re here to help you make every decision feel purposeful and empowering. Our commitment is to walk alongside you, guiding you with experience and care as you navigate each milestone. Explore how our personalized approach can help you live the life you envision.
FINANCIAL PLANNING
Financial planning isn’t just about retirement or managing wealth, it’s about making choices today that reflect your goals for tomorrow. With HT|TC, your financial plan is like a roadmap for your life’s journey, taking into account not just your numbers but your personal values and aspirations. We start by getting to know you — what drives you, what you care about, and where you see yourself in the future. From there, we build an adaptable plan tailored to your lifestyle, offering guidance on cash flow, debt, taxes, investments, and retirement.
Because of our deep client relationships, we can maintain a focus on what’s most meaningful to you. Our collaborative, understanding approach means you’re not alone; we’ll be by your side to adjust your plan to reflect where you’re headed. As your life unfolds—whether through career transitions, family changes, or unexpected events — we’re here to help you adjust course, keeping you confident through each phase.
ESTATE PLANNING
At HT|TC, estate planning is an opportunity to tell your family’s story, not just distribute your assets. With our roots as a trust company, it’s also deeply engrained in the work we do for clients. For over 30 years, our background in trust and estate services has allowed us to guide families through life’s most important decisions with especially meaningful insight. Our team is well-equipped to help you make informed choices that align with your values, creating a legacy that reflects who you are and what matters most. Additionally, HT|TC’s in-house trust company is available to help assist you with transitioning your wealth. As trustee or executor for our clients, their role is to administer the distribution of wealth and to make decisions in the beneficiary's interest.
Whether you’re establishing trusts, appointing fiduciaries, or creating a multigenerational wealth transfer plan, our services go beyond the basics — such as HT|TC’s A Time to Talk™ for family conversations, and One Call® for seamless management during difficult times. Whether it’s aiming to preserve wealth, minimizing taxes, or planning charitable giving, we simplify the estate planning process so that you and your loved ones are well-prepared for the future.
WORKPLACE SAVINGS & RETIREMENT
As a business owner, retirement planning isn’t just about compliance or contributions — it’s about creating financial success and well-being for both you and your employees. It’s also one of the most valuable ways you can help support your team and secure your own financial future. From 401(k)s to defined benefit plans, our partnership with Trust Company of Illinois (TCI) gives us the ability to help you build a retirement strategy that matches your goals.
TCI can play one of two roles:
An overall retirement plan service coordinator for unbundled plans, helping ensure service providers — such as third-party administrators, recordkeepers, custodians, investment managers, and financial advisors (including HT|TC) — are accountable, continuously striving to serve the plan and its participants' interests with respect to expenses, education, and plan design; or
A true retirement plan service partner (providing a fully integrated, streamlined, bundled solution which includes all services mentioned in option 1).
Our independent mindset, fiduciary responsibility, and differentiated service model allow us to better serve you with your retirement plan design and service needs.
INSURANCE & RISK MANAGEMENT
Insurance is about protecting your financial future and helping ensure that the people who depend on you are taken care of. At HT|TC, our approach to insurance and risk management goes beyond just having the right policies — it’s about creating a comprehensive strategy that helps safeguard your assets, your family, and your business from unforeseen risks.
Our collaborative team can help you evaluate your insurance needs in the context of your overall financial plan, whether you’re focused on protecting your wealth, ensuring business continuity, or planning for future health care. Our services include life insurance, long-term care insurance, and business risk management, allowing you to address both personal and professional concerns. Your coverage is regularly reviewed to adapt to changes in your life, so you stay protected at every stage. Whether you’re thinking about your family, your legacy, or your business, we provide the guidance you need to help protect what you’ve built.
INVESTMENT MANAGEMENT
Your investments should do more than grow your wealth — they should align with your values and long-term goals. HT|TC takes a personalized approach to investment management, developing strategies that reflect your vision for the future. The foundation of our investment platform lies in institutional caliber global investment guidance, incorporating choice and flexibility to provide client-centered solutions. Our approach is based on our breadth of experience, integrating input from our deep network of seasoned investment professionals and our focus on returns and risk management.
With access to a broad range of goals-based options, including private equity and sustainable investing, we’ll design a portfolio that adapts as your financial picture evolves. Through proactive management and regular communication, you’ll be better informed, empowered, and engaged in your financial future.
BUSINESS OWNER SERVICES
As a business owner, your financial needs are often complex and evolve over time — which means you’re constantly balancing today’s needs with tomorrow’s possibilities. Whether you’re growing your company, planning a transition, or looking ahead to succession, your HT|TC team can provide the guidance strategies you need to help you manage these challenges while achieving your personal financial goals. With services that include business valuation, retirement plan design, and risk management, we can help ensure that your personal and business finances stay aligned. If you’re preparing to sell or transition your business, we offer strategies to minimize tax liabilities and set the stage for a smooth ownership transfer. And our educational events for business owners help keep you informed and ready for the next step.
No matter what stage your business is in, we can help you develop a financial strategy that aligns with your vision for the future, allowing you to focus on what matters most: running your business and building a legacy.
HT|TC Second Opinion & Insight™ Service
A complimentary analysis to strengthen and validate your financial strategy.
Sometimes, all it takes is simple reflection and a fresh set of eyes to get a clearer perspective.
Our Second Opinion & Insight™ service is simple and transparent, takes little of your time, and requires no commitment. Whether your current strategy’s strength is confirmed or enhancements are suggested, you’ll gain insights that empower you to make informed decisions — and confidence that your financial strategy is well-suited to your goals and evolving needs.
RECEIVE A 30-MINUTE COMPLIMENTARY CONSULTATION
Take the first step toward a clearer financial future — fill out the form to download the Second Opinion guide and get connected with an HT|TC advisor. It’s easy, insightful, and could be the key to realizing more of your financial potential.
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