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Hammortree Financial Team



At Hammortree Financial Services, we believe our teamwork approach adds a broader perspective to all we do and provides increased benefits to our clients.

We can help you address:

  • Investing principles and strategies
  • Retirement saving and income distribution strategies
  • Estate conservation issues
  • Risk management 

We also can answer your questions, including:

  • Can I retire early?
  • Are my investments working as hard as I am?
  • What’s a good approach for college savings?
  • What are the elements of a sound estate strategy?
  • Do I have enough life insurance for my family?

Our experienced professionals have helped many people just like you with similar issues and concerns. We can help you create an approach that is designed to address your individual situation.


Annette Hammortree, CLTC, RICP®

Owner of Hammortree Financial Services

815-788-7420

815-788-7430

ahammortree@hammortreefinancial.com

As the owner of Hammortree Financial Services, Annette specializes in comprehensive financial planning, retirement income distributions, and estate planning for special needs family members. With over 37 years of experience, she is...
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Tim Urban, CExP

Financial Advisor

815-526-7943

turban@hammortreefinancial.com

Tim has been providing comprehensive financial planning to his clients since 2014 with Hammortree Financial Services. By specializing in family planning and strategies for small business owners, as a Certified Exit Planner.  im...

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Melissa Wasilk

Director of Insurance Operations

815-788-7420

815-788-7430

mwasilk@hammortreefinancial.com

Melissa has been part of Annette's team since 1995. Melissa oversees all behind the scenes apsects of the business related to Insurance. Along iwth the para planning details on case analysis. Melissa is married to her husband,...
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Meg Anderson

Director of Investment Operations

815-788-7420

815-788-7430

meganderson@hammortreefinancial.com

Meg provides operational support to Annette Hammortree for all investment business and works with clients on any investment-related needs. She joined HFS in 2018 with over a decade of prior investment business experience...
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Cooper Tomlin

Financial Advisor

815-788-7420

815-788-7430

ctomlin@hammortreefinancial.com

Cooper began his internship for Annette Hammortree in May 2020. He was born and raised in Crystal Lake and recently graduated from Lake Forest College earning a Finance and Data Science double major. Now on as a full-time employee, he...
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Emily Palmer

Executive Administrator to Tim Urban

815-526-7943

815-788-7430

epalmer@hammortreefinancial.com

Emily began her role as an intern for Tim Urban in January 2021 while she contnued working on her degree from University of Wisconsin-Whitewater. Upon graduation she entred into a full-time role assisting Tim with providing clients...
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Avery Tomlin

Sales Assistant

815-788-7420

815-788-7430

atomlin@hammortreefinancial.com

Avery recently began working full-time with Annette and her team after graduating from Butler University. She has lived in Crystal Lake her entire life and is working on getting licensed to become a Financial Advisor with the team.In...
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Martha Durcan

Client Relations Manager

815-788-7420

815-788-7430

mdurcan@hammortreefinancial.com

Martha joined the Hammortree Financial team in September, 2023. Her role as Client Releatiosn manager allows her to incorporate her background in process and account management into the Hammortree family.Martha lives in Crystal Lake...
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