Debra J. Hilton, SPHR, SHRM-SCP, specializes in the design, implementation, and management of Supplemental Executive Retirement Plans (SERPs).
After selling her money management practice in 1991, Debbie joined D. Hilton Associates in 1996. While working with credit unions in the recruitment and retention of Senior Executives, she recognized the important relationship between total compensation, SERP design, and SERP funding and investment performance as integral retention and succession planning tools. Beginning in 2002, Debbie and D. Hilton Associates began publishing the results of the biannual credit union SERP Survey. In 2025, the D. Hilton Associates’ SERP Survey had a response rate of 53% of all credit unions with assets over $100 million, resulting in a 95% +/- 2.0% confidence level.
Hilton established D. Hilton Financial Services in 1999 for the express purpose of facilitating the implementation and ongoing oversight of executive retirement plans. She has been instrumental in the implementation of more than $1 billion in retention, retirement, and compensation plans for credit union executives. The firm has consulted with more than 1,000 credit union clients nationwide in the development of SERP solutions.
The Society for Human Resource Management has recognized her as a Senior Professional in Human Resources (SPHR). She holds a Bachelor of Science from The University of Houston.