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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, long term planning, and estate planning for special needs family members. With over 33 years of experience, she is recognized as an...

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Tim Urban

Financial Professional

815-526-7943

turban@hammortreefinancial.com

Tim has been providing comprehensive financial planning to his clients since 2014 with HFS. By specializing in family planning and strategies for small business owners, Tim has helped provide support to current HFS clients as well as...

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Melissa Wasilk

Director of Insurance

815-788-7420

815-788-7430

mwasilk@hammortreefinancial.com

Melissa provides Internal Administrative Support to Annette Hammortree and has been doing so for the past 26 years. She takes the lead on insurance business processing, commission and expense reporting, as well as para-planning for...

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Meg Anderson

Director of Operations

815-788-7420

815-788-7430

meganderson@hammortreefinancial.com

Meg provides Internal administrative support to Annette Hammortree. She takes the lead on securities business, scheduling, client services and Living Balance Sheet. She joined HFS in 2018, but has many years of experience in the...

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Cooper Tomlin

Intern for Annette Hammortree

815-788-7420

815-788-7430

ctomlin@hammortreefinancial.com

Cooper is an intern for Annette Hammortree. He was born and raised in Crystal Lake. He is currently attending Lake Forest College where he plays football and is working towards a double major in Finance and Data Science with a focus in...

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Emily Palmer

Intern for Tim Urban

815-526-7943

815-788-7430

epalmer@hammortreefinancial.com

Emily is a Intern for Tim Urban. Emily is originally from Antioch, IL. She is a Junior Finance Major with a Financial Planning emphasis at the University of Wisconsin-Whitewater. She plans on graduating May of 2022. She is involved...
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Lynn Mackeben

Administrative Assistant

815-788-7420

815-788-7430

lmackeben@hammortreefinancial.com

Lynn is our new administrative assistant. She has a long background in client service and is thrilled to be able to help our clients now, both on the phone and in the office. She and her husband Scott have lived in Crystal Lake for...
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