HOME - Hayes Advisory Group

True Retirement Planning Advisory Based on Knowledge and Education with a Fiduciary Standard

– advisory –

Hayes Advisory Group is a professional, Independent Retirement and Estate Planning firm specializing in the areas of wealth management and preservation, asset protection, tax efficiency, income planning and wealth transfer and distribution. We are specialists who manage personal retirement plans for a select group of pre-retirees and retirees to meet their specific goals, objectives and desires. We do this by coordinating everything together to fully maximize and protect all areas of their retirement nest egg.

– education –

Each week we provide weekly educational resources to multiple media outlets to help provide and promote retirement education nationwide. In addition, all clients of Hayes Advisory Group receive valuable weekly market and retirement information to keep their plans updated and accurate at all times.

– fiduciary duty –

fi·du·ci·ar·y means involving trust, especially with regard to the relationship between a trustee and a beneficiary.

As independent investment advisor representatives with specific licenses, we are held to a strict fiduciary duty. This means we are required, by law, to act in the best interest of our clients at all times.

Quick Link to:

Are You Seeking A Tax Efficient Retirement Plan?

Golden tax planning opportunities are here. Working with Hayes Advisory Group can help you take advantage to reduce or eliminate taxes in retirement.

Tax professionals who complete tax returns are forced into a reactive approach to try and save you tax dollars as they are operating on an after the fact basis.

However, in order to get as tax efficient as possible, you have to have make strategic tax moves before your return is due. We understand how the tax code works in retirement and advise our clients on a forward-looking proactive basis to help them become as tax efficient as possible, or even tax-free, in their retirement years.

Saving for retirement is very important, but how you save is more important.
The key to tax efficiency in retirement is having your different tax structured buckets balanced properly.
The goal is to get your provisional income and your taxable income below certain thresholds. This requires the use of certain tax-free accounts.

Key Points:

The Most Informed People Simply Pay Less Taxes.

Tax efficiency refers to structuring savings investments so that it receives the least possible taxation. There are a variety of ways to obtain tax efficiency when properly saving and investing for your retirement. At Hayes Advisory Group, we structure a financial plan that grows wealth, and at the same time, mitigates taxes in retirement.

Some financial professionals such as financial brokers and agents aren’t bound by fiduciary duty. Instead, they’re only required to fulfill a suitability obligation. While fiduciaries must put their clients’ best interests before their own, financial professionals who adhere to the suitability rule must only provide suitable recommendations to their clients.

Suitability Rule vs. Fiduciary Duty

As Hayes Advisory Group, we are held to a strict fiduciary duty. This means we are required, by law, to act in the best interest of our clients at all times.

The fiduciary duty is the highest standard of accountability in the financial services industry. We benefit when you benefit, and our firm is committed to your priorities being our priorities.