Helping you live your IDEAL life.

Comprehensive, fee-only financial advice for rising professionals and growing families in Milwaukee, WI and beyond.

When your values are clear your decisions are easy.
— Roy Disney

At Hilltop, we believe in delivering a comprehensive suite of financial planning services that help our clients live extraordinary lives. We do this by a comprehensive process that starts with your values and gives you more clarity on the life you live.


Hi, my name is Erik Kroll,
and this is my story


 Before my life as a financial advisor, my life was pretty hectic. I grew up in Alaska and my dream was to become a professional hockey player. After finishing high school, I spent two years playing juniors hockey before pursuing my Bachelor’s degree and playing NCAA. While I didn’t make it to the big time in the sport that I love, the time I spent traveling as a semi-professional athlete, gave me an understanding of what it’s like to have a career that demands so much time and leaves very little to spend taking care of the future.

Today, I am a Certified Financial Planner (CFP®) with a passion for helping people live their ideal lives. I draw on experience working five years in traditional financial planning for a Milwaukee-based firm before I decided to quit my job and start Hilltop Financial Advisors. My time spent working in financial planning and investment management made me recognize an interesting phenomenon that exists in the world of financial planning— busy people often spend so much of their time either working or planning for the future, that they get very little time to actually enjoy the present.

This time opened my eyes to the need for a firm that put things in the right order. Hilltop starts by working together to discover why money is important to you and your family. Our single-point-of-contact model ensures that your most important goals and deepest held values are factored into every decision that is made. We act as your representative to reduce the number of people that you have to meet with and free you up to spend time doing the things you love.

Aside from my life as a financial advisor, I live in a Milwaukee suburb with my lovely wife and Great Dane. Hockey is still part of my life, and I play in a rec league weekly. My wife and I enjoy doing anything outside (ask me about the latest bird that I’ve seen). Finally, we have a passion for our community. We are heavily involved in working with a local food pantry and homeless outreach organization and lead a small group with our church.

That's enough about me. Interested in working together?


Hilltop Financial Advisors specializes in working with professionals and entrepreneurs in their 20s, 30s, and 40s in Milwaukee, WI and virtually to provide a range of services that are customized to the unique needs of every client. Our goal is to take care of every aspect of your financial life, so that you can focus on what really matters most to you.

Comprehensive Financial Planning

Think of your financial life like an orchestra—there are lots of instruments that go into making it beautiful, and think of us as your conductor. We work to ensure that the many different musicians are working in unison to produce one, cohesive masterpiece.


Student Loan Analysis

Hilltop specializes in offering expert advice on student loan repayment options. When you partner with us, we analyze your current loan situation to see whether or not you can save money and/or lower your monthly payments. Together we will create a step-by-step action plan on how to best eliminate your student loans.

Don't see what you're looking for?

Give us a call to learn about our “Simple Start” program that has been a great first step for people who are looking for financial advice in a particular area, but are not ready to commit to comprehensive planning. We would love to talk with you about what might be the best solution for the goals you are looking to achieve.

Some of the things that we’ve helped clients with in past include:

  • Setting up a monthly budget

  • 401(k) analysis

  • College savings planning

We start with the basics...

A discussion to plot what’s important to you, where you are today, and where you want to be down the road. Based on our discussion, we create a detailed, comprehensive strategy for everything from a monthly budget to investment management and retirement planning that gives you the highest probability of achieving your goals. We work with subject matter experts in various fields (estate planning, insurance, taxes, etc.) and are always monitoring progress. This all leads to less stress, less worry, and more time for you to focus on the things that matter most to you. Sit back and enjoy the show; we’ll take care of the rest.

Our approach to Investment management

We believe that investment management is always done best as a part of a larger comprehensive financial plan. Like everything else that we do, we start with your values and goals in order to make the most informed decisions possible to set you up for success. Our approach to how we manage your investments is simple and time-proven. We don’t try to time the markets, but instead believe in a well-diversified portfolio and establishing a strategy that allows the market to work for you.


1. Why do I need a financial Advisor?

Often you are the greatest risk to achieving your financial goals. Working with a financial advisor minimizes the emotional influence of your financial decision making and maximizes the likelihood of achieving your financial goals. Delegating financial decisions means that our clients get to enjoy the present while knowing that their financial future is being taken care of.

2. How do You Get Paid?

We believe in eliminating as many conflicts of interest as possible. Therefore, our compensation comes directly from the clients we serve. Our success is solely based on the success of our clients. We do not sell any products or receive any commissions. Ever.

3. How do you keep my information safe?

Your security is one of our top priorities when working with you here at Hilltop Financial Advisors. We have a detailed confidentiality policy that we will go over in our first meeting, and we use Sharefile, a best-in-class security system, to ensure that any documents shared online are secure. Learn more about Sharefile at:

4. Who is your typical client?

Our typical clients include doctors, entrepreneurs, and growing families who:

  • Are serious about saving and engaged in achieving their financial goals
  • Are open to working with a trusted financial advisor and delegating financial decisions
  • Are willing to ‘give back’ to improve the lives of others
  • Place a high value on spending their time on things that are truly important to them

5. Do I have to come into your office?

Not necessarily. At Hilltop Financial Advisors, our services are designed so that we can easily have informed and productive conversations about your finances through video chat, on the phone, or in person.

6. I'd like to learn more, what is the next step?

Feel free to schedule an Introductory Call or fill out the form on my contact page. You can also get a hold of me through phone or email, which I check daily.

7. Do I have to pay for our first meeting?

No. The first meeting is free and serves as time to get to know one another and see if we could work well together. We will discuss your finances and goals using your personalized financial road map we create together during the meeting and discuss our next steps together.

8. What is your investment philosophy?

Our approach starts by considering all of the client’s assets and decides on an allocation that is tailored to the individual client’s needs and goals. We do not try to time the market, but instead take a long-term approach to investing. We let the markets work for you by using primarily passive, low-cost, exchange-traded funds (ETFs) with a mix of actively-managed mutual funds where appropriate.



with Hilltop Financial Advisors


Whether you would like to schedule an appointment or just ask a few questions, we would love to hear from you. Use the box below to send us an email or give us a call at (414) 944-1867.

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