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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.

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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.

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.

Is Your Retirement Investment Strategy Up To Date?

Are You Worried About Outliving Your Money?

Do you Have the RMD’s?

Key Retirement Education Topics

Social Security Basics

Do You Have a False Sense of Security?

Yesterday Versus Today’s Retirement

Hayes Advisory Group has been featured in:

1825 Dogwood Court
Kokomo, IN 46902

Kokomo Office

1905 S. New Market St, Suite 110
Carmel, IN 46032

Indianapolis Office

Phone: (765) 452-7526
Office: (317) 638-9247
Fax: (765) 452-9887
Toll-Free: (800) 939-1603

Mon-Fri: 8:00 AM – 5:00 PM

This website is a publication of Hayes Advisory Group, a dba of Milestone Asset Management, LLC. Investment advisory services offered through Milestone Asset Management, LLC and Brookstone Capital Management LLC, registered investment advisers that only conduct business in jurisdictions where they are properly registered or excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.

The information presented is believed to be current. It should not be viewed as personalized investment advice. All expressions of opinion reflect the judgment of the authors on the date of publication and may change in response to market conditions. You should consult with a professional adviser before implementing any strategies discussed. Content should not be viewed as an offer to buy or sell any of the securities mentioned, or as legal or tax advice. You should always consult an attorney or tax professional regarding your specific legal or tax situation.

Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services, or products found on websites linked to ours.

All investment and insurance strategies have the potential for profit or loss. Different types of investments involve higher and lower levels of risk. There is no guarantee that a specific investment or strategy will be suitable or profitable for an investor’s portfolio. There are no assurances that a portfolio will match or exceed specific benchmarks. Asset allocation and diversification will not necessarily improve an investor’s returns and cannot eliminate the risk of investment losses.

Annuity and life insurance guarantees are subject to the claims-paying ability of the issuing insurance company. If you withdraw money from or surrender your contract within a certain time after investing, the insurance company may assess a surrender charge. Withdrawals may be subject to tax penalties and income taxes. Persons selling annuities and other insurance products receive compensation for these transactions. These commissions are separate and distinct from fees charged for advisory services. Insurance products also contain additional fees and expenses.

Social Security rules and regulations are subject to change at any time. Always consult with your local Social Security office before acting upon any information provided herein.

Membership to the Million Dollar Round Table was granted on April, 2010 as a lifetime member. The Million Dollar Round Table is a trade association to help insurance brokers and financial advisors establish best business practices and develop ethical and effective ways to increase client interest in financial products, specifically risk based products like life insurance, disability and long term care. Annual qualification requirements include demonstrating a set annual production requirement, agreeing to a code of ethics, and payment of annual dues, but is not based on client experience or performance. For more information regarding the Million Dollar Round Table eligibility, please see https://www.mdrt.org/join/member-requirements/. Membership in no way constitutes an endorsement from Million Dollar Round table or any client.

Insurance products and services are not offered through BCM or MAM but are offered and sold through individually licensed and appointed agents.

Electronic mail sent over the internet is not secure and could be intercepted by a third party. For your protection, avoid sending confidential identifying information, such as account and social security numbers. Further, do not send time-sensitive, action-oriented messages, such as transaction orders, fund transfer instructions, or check stop payments, as it is our policy not to accept such items electronically. All email sent to or from this address will be saved or otherwise recorded by the Milestone Asset Management, LLC’s corporate email system and is subject to archival, monitoring, or review by, and/or disclosure to, someone other than the recipient as permitted and required by applicable investment adviser regulation. Please contact us if there are any changes in your personal or financial situation and/or investment objectives for the purpose of reviewing, evaluating, and/or revising our previous recommendations and/or services. Additionally, if you change your address or fail to receive account statements from your account custodian, please contact our office.

Photos are used for the singular purpose of enhancing the website. None of them are photographs of current or former clients.

2025

Hayes Advisory Group

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