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Hibbard & Ruby
Wealth Management

Hibbard Financial was created in 2001 when it's founder, Allan Hibbard, left a large Fortune 500 financial services firm to go independent in order to better serve his clients.

Dylan began working in tandem with Allan Hibbard in 2020, working together to serve Manitowoc residents as a team. In 2023, Allan and Dylan made their partnership official by forming Hibbard & Ruby Wealth Management.

Our Team

Our Team


Allan Hibbard, Financial Advisor & Partner | Phone: 920-682-1014

Allan Hibbard has been guiding Manitowoc residents through their financial and retirement planning needs since 1986. He started his career with a large Fortune 500 financial services company, remaining there until 2001 when he decided to form Hibbard Financial LLC in order to better serve his clients and customize offerings to what best served their future. His wife Ellen joined him in this endeavor as his executive assistant and the two of them have worked side by side to grow their company into what it is today. In 2020 Dylan Ruby began working with Hibbard Financial. They decided to make their partnership official in 2023 and form Hibbard & Ruby Wealth Management. This partnership allows Al & Dylan to expand their offerings and service clients of varying needs from tax preparation, 401K rollover, strategic investing, retirement planning and beyond.

Al thrives at making the sometimes complicated process of planning for retirement into a plan that clients feel comfortable with, and is an advisor that they know has their best interest in mind. Al has a continuing desire for knowledge, which he satisfies by frequently attending educational seminars which keep him abreast to updates in his field. He is a member of the National Association of Insurance and Financial Advisors, the Estate Planning Council of Northeast Wisconsin and a founding member of the Independent Financial and Collaborative Resource Group.

Al has been married to his wife Ellen since 1983 and they have three grown children. In his free time he enjoys golfing, boating, cycling, and traveling with his family.

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Ellen Hibbard, Administrative Assistant

Phone: 920-682-1014

Ellen has been working side by side with her husband Al since they formed Hibbard Financial Services LLC in 2002. As the Executive Assistant, Ellen serves as the "jane of all trades" keeping the day to day operations running smoothly, processing all paperwork, and managing all of the office needs. She has a great attention to detail 

Ellen enjoys golfing, hiking, boating, pickleball, live music, and the outdoors. In her free time she is always planning her next great travel adventure with her family. 


Tracy Duescher, Tax Professional | Phone: 920-682-1014

Tracy Duescher recently joined Hibbard & Ruby Wealth Management as a tax preparer.  She graduated from St. Norbert College with a Bachelor of Business Administration Degree.  From 2012 to 2021 she worked for a local financial firm preparing taxes.  She especially enjoyed meeting with her clients each year and helping them with their tax needs. 


Tracy is happy to partner with Al and Dylan and is excited to become part of their team.  Having two financial advisors available to help with tax client’s questions and investment concerns, as well as two administrative professionals on site, make Hibbard & Ruby Wealth Management a full service tax preparation office. 


Tracy is welcoming new tax clients and looks forward to this new venture!


Dylan Ruby, Financial Advisor & Partner | Phone: 920-682-1014

Dylan Ruby is a summa cum laude graduate from both the College for Financial Planning (CFFP) and Southern New Hampshire University. He earned his Bachelor of Science in Finance with a concentration in Financial Planning in 2020 and then went on to complete his Master’s degree in Personal Financial Planning in 2023 on a full scholarship. By completing the Master’s program through the College for Financial Planning, Dylan acquired the Master Planner Advanced Studies™ (MPAS®) designation and he holds the Chartered Retirement Planning CounselorSM (CRPC®) designation. In addition to his studies, Dylan has been working in the industry since 2017, giving him the experience to tie it all together. 


Dylan is a licensed Securities Representative, an Investment Advisor Representative, and he also holds a Life and Health Insurance license.

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Taylor Ruby, Administrative Assistant

Phone: 920-682-1014

Taylor is one of our newest team members and decided she wanted to work alongside her husband, Dylan, in 2023. She graduated summa cum laude from the University of Wisconsin - Oshkosh in 2021 with a Bachelor's degree in Human Services Leadership. She loves to work with people and has been working in the customer service field since 2016. As an Administrative Assistant, you'll be able to find her behind the front desk and answering the phone, as well as helping with various tasks around the office.


Dylan & Taylor met in 2016 and got married in 2021. Since then, they have adopted two dogs, Cassie & Maverick. 

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Amber Disher, Tax Professional | Phone: 920-682-1014

Amber Disher recently joined Hibbard & Ruby Wealth Management as a tax preparer. Amber graduated from the University of Wisconsin - Milwaukee in 2010 with a Bachelor’s Degree in Psychology. She then went on to Concordia University - Mequon, where she received her Master’s Degree in Education, along with a school counseling license in 2014. For several years, Amber was an educator in the Milwaukee area.


In 2021, Amber and her husband, Evan, moved back to their hometown, Manitowoc, to be closer to family. They have a son, Brecken, and a daughter, Briar, who keep them busy. Amber enjoys volunteering at her children’s schools and helping out in the community when it isn’t tax season.


Amber is Tracy’s daughter-in-law and began preparing taxes with her in 2022. She is looking forward to another year and is happy to welcome new tax clients.

Ready to get started?

Feel free to contact us by phone, email or our information request page.

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