Financial Planning: The advice and assistance designed to help you meet your life goals.

Hayes & Associates will help you answer important financial questions and implement the solutions. As fee-only advisors, commissions are neither earned nor accepted. This assures you the utmost in objectivity and independence.

Wealth Building - Are you harnessing your cash flow?

Investment Management - Which investments are for you?

Estate Planning - Who will receive your estate?

Risk Management - Are you adequately covered to minimize losses?

Common areas of consideration in financial planning:

Retirement funding

College funding

Debt and mortgage management

Special purpose funding

Tax planning

Determining the investment profile

Evaluating risk tolerance

Choosing investments

Diversification

Wills, trusts, probative intent

Succession planning for business and estate

Minimization of death taxes and probate expenses

Life insurance coverage calculations

Auto, home, and other casualty exposures

Disability insurance needs

Medical and long-term intensive care insurance

Elder care concerns

 

Financial and Estate Planning are major components of
Total Wealth Management in our "Personal Financial Guardian^®" service.