Financial Planning: The advice
and assistance designed to help you meet your
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
Debt and mortgage management
Special purpose funding
Determining the investment profile
Evaluating risk tolerance
Wills, trusts, probative intent
Succession planning for business and estate
Minimization of death taxes and probate
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.