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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


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


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



Melissa provides Internal Administrative Support to Annette Hammortree and has been doing so for the past 24 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



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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