01.
Fiduciary duty, without compromise.
We operate under a regulatory fiduciary mandate and a fee-only model. No product sales, no commissions. Our incentives are aligned with yours.
Registered Investment Advisor
Your wealth, managed with clarity and purpose.
Fiduciary
Legally required to act in your interest.
1:1
One advisor. Always you.
Fee-only
No commissions, ever.
Wealth management built around your life, not a template.
Families come to us with different goals, timelines, and definitions of what wealth is for. We build tailored, tax-aware portfolios, explain strategy and fees clearly, and stay accountable as your circumstances change. The work is personal; the standards are institutional.
Conflict-free advice, in writing. Under a fiduciary mandate, we provide independent guidance. Our compensation is a transparent percentage of assets under management, not commissions.
Systematic income, managed risk. We combine dividend-focused strategies with conservative options overlays, aimed at consistent cash flow and managed downside risk.
Boutique advice, institutional custody. You work directly with the adviser. Your assets are held and reported through Interactive Brokers, with Charles Schwab as a backup custodian when needed.
Austin Hilliker, principal adviser
I founded Wellspring Investing to offer institutional-grade wealth management with the accountability of a small practice. I am as an Investment Adviser Representative. The firm is a based in Atlantic Mine, Michigan.
Every client works with me directly. My practice is built for households with meaningful capital to steward, often around $300,000 or more for the options-selling strategies I specialize in. I also welcome thoughtful conversations with any investor who values discipline and clarity. I aim to bring faith-aligned stewardship to the same standard I apply to portfolio discipline: clear language, transparent fees, and recommendations I can explain in plain language. When income strategies are appropriate, they serve preservation and legacy, not speculation.
Austin Hilliker
Founder &
Philosophy
02.
Plan first. Portfolio second.
Allocation follows purpose. We begin with what your capital is for, then design portfolio discipline, risk management, and tax awareness around that.
03.
Stewardship and legacy.
For many families, wealth is tied to faith and long-term giving. We welcome that context. Income and preservation strategies can support those goals directly.
04.
Partnership for the long term.
We favor deliberate decisions over reactive moves. The relationship adapts as your life changes, with clear communication through every market cycle.
"A failure to plan is planning to fail."
On Austin's desk
An honest exercise
What could your capital become?
A simple future-value exercise for disciplined growth: starting principal, ongoing contributions, expected return, and time. It is not advice. It is a starting point for a real conversation about what compounding can do for your goals.
Solve for
Starting principal$300,000
$0$2M
Contribution amount$1,000
$0$10K
Contribution frequency
Expected APY7.0%
2%40%
Time period15 yrs
1 yr50 yrs
Show inflation-adjusted value
Uses an assumed 2.5% annual inflation rate for today's purchasing power.
Projected value, approximately
$1.14M
after 15 years at your assumed return and contribution pace.
A working figure, not a forecast. Actual returns vary, taxes matter, and markets do not move in straight lines. None of that is something a slider can know.
Ready for a conversation?
Share where you are and what you are weighing. Optional context helps me prepare. You will hear back from me personally, usually within a few business days.