Hayes Advisory Group

Hayes Advisory Group Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Hayes Advisory Group, Financial planner, 1825 Dogwood Drive, Kokomo, IN.

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.

11/26/2025

The recent market pullback has left many wondering why both crypto and stocks fell at the same time. The answer lies less in corporate fundamentals and more in liquidity dynamics, specifically forced selling tied to leverage in crypto markets.

Key Takeaways:
🔄 Leverage-driven liquidations in crypto spilled into tech and AI stocks due to their liquidity.
📊 Earnings season remained strong, signaling this decline wasn’t fundamentals-based.
🛡️ Diversified risk buckets help retirees and long-term investors ride out mechanical volatility.

Not all volatility is created equal, and understanding the “why” behind a pullback helps investors stay grounded.

Read more:https://hayesadvisorygroup.com/wp-content/uploads/2025/11/Understanding-the-Causes-Behind-the-Recent-Market-Pullback.pdf

11/12/2025

Stock splits always make headlines, but do they really change anything? While they can attract attention and make shares appear more accessible, true long-term performance still comes down to fundamentals.

Key Takeaways:
📊 Stock splits don’t create new value, they just reshape existing value into smaller shares.
📈 Short-term boosts are often psychological; long-term results depend on earnings and growth.
💡 With fractional shares now available, the old “accessibility” argument does not hold water like it used to.

For investors, the lesson is simple: focus on quality companies and solid fundamentals, not the perception of stock price and hype.

Read more:https://hayesadvisorygroup.com/wp-content/uploads/2025/11/Stock-Splits-Separating-Excitement-from-Real-Value.pdf

10/29/2025

Another Fed rate cut is on the horizon, and while markets expected it, the ripple effects reach every investor. From bond yields to stock prices to retirement income, these shifts are a reminder that flexibility is key in a changing economy.

Key Takeaways:
📉 Lower rates mean less income from fixed investments but potential gains in equities.
⚖️ A balanced mix of growth, minimal-risk, and no-risk assets can help smooth volatility.
🧾 Strategic income planning, especially tax-efficient withdrawals, is critical for longevity.

Economic headlines come and go, but long-term strategy endures. Learn how this rate cut could impact your retirement plan.

Read more:https://hayesadvisorygroup.com/wp-content/uploads/2025/10/What-Another-Fed-Rate-Cut-Means-for-Your-Retirement-Strategy.pdf

10/15/2025

Capital is flowing back into the United States. Recent large-scale investments from major institutions signal a renewed focus on U.S. innovation, technology, and infrastructure — a structural shift that could define the next decade of investing.

Key Takeaways:
💡 Massive investments are strengthening U.S. industries like AI, defense, and clean manufacturing.
🏗️ Public policy and private capital are aligning to rebuild domestic competitiveness.
📈 Investors can position for growth by following long-term structural trends — not short-term cycles.

Reinvesting in America is more than a theme — it’s a sign of where capital (and opportunity) are headed next. Read the full article below to learn more!

https://hayesadvisorygroup.com/wp-content/uploads/2025/10/Reinvesting-in-America-What-Major-Capital-Flows-Mean-for-the-Future-of-US-Investing.pdf

10/01/2025

Did you know the timing of your returns in retirement can matter more than the overall average? If the market drops just as you start taking withdrawals, your portfolio may never fully recover — that’s sequence of returns risk.

🔹 Withdrawing during down markets can permanently reduce growth.
🔹 Balancing growth, minimal-risk, and no-risk investments creates a safety net.
🔹 A strategic, tax-efficient withdrawal plan can help your money last decades.

Your retirement income shouldn’t depend on luck or timing alone. Learn how to protect yourself from sequence of returns risk.

Read more here:https://hayesadvisorygroup.com/wp-content/uploads/2025/09/Sequence-of-Returns-Risk-Why-Timing-Matters-in-Retirement.pdf

09/30/2025

The goal of a retirement income plan is to make the most of your money while ensuring that it lasts. These 10 strategies can help secure your financial future.

09/17/2025

Your employer-sponsored plan is often the biggest retirement account you’ll ever own — but are you using it to its full potential? Maximizing growth early, adjusting over time, and protecting what you’ve built near retirement can make a huge difference.

Key Takeaways:
📈 Early years are for growth — focus on stock funds and consistent contributions.
🔄 Adjust for life events, bonuses, and changing goals to stay on track.
🛡️ Near retirement, strike the right balance between growth and protection to avoid running out of money.

A “set it and forget it” approach can leave opportunities on the table. Read the full article below to learn how to optimize your plan today.

https://hayesadvisorygroup.com/wp-content/uploads/2025/09/Optimizing-Your-Employer-Sponsored-Plan.pdf

09/04/2025

For years, the “4% rule” was the go-to retirement withdrawal strategy. But times have changed — and so should the way we think about generating income in retirement.

🔹 Longer retirements mean withdrawals may need to stretch 30+ years.
🔹 Market volatility and rising costs put pressure on fixed withdrawal rates.
🔹 Flexible strategies like dynamic withdrawals, bucket planning, and tax-efficient income can help retirees stay secure.

The best retirement plans aren’t rigid; they’re adaptable. Learn how to make your money last in today’s environment.

Read the full article here:https://hayesadvisorygroup.com/wp-content/uploads/2025/09/Rethinking-the-4-Rule-What-Sustainable-Withdraws-Look-Like-Today.pdf

08/20/2025

Diversification has long been a cornerstone of smart investing, helping reduce risk by spreading assets across sectors and industries. But there’s a point where “more” isn’t better — being spread too thin can actually dilute returns and create hidden inefficiencies.

Key Takeaways:
1️⃣Over-diversification can drag down performance, creating index-like returns while still carrying higher costs and complexity.
2️⃣Hidden overlap is a real risk, as many “different” holdings may actually move together in the same downturn.
3️⃣A focused, strategic approach — emphasizing quality companies and innovative sectors — can strike the right balance between growth and protection.

The goal isn’t to abandon diversification, but to practice it with intention. Read the full article below to learn how to protect your portfolio without sacrificing future growth.

https://hayesadvisorygroup.com/wp-content/uploads/2025/08/The-Hidden-Cost-of-Over-Diversification.pdf

08/06/2025

We’re seeing a real shift in how and where things are made. A growing number of companies are bringing production back to the U.S. — and the movement is picking up steam.

What does reshoring mean for the future of investing and retirement? A lot, actually. From AI-driven factories to policy-driven incentives, this trend is shaping sectors like tech, defense, healthcare, and energy.

We break down what’s happening and what it might mean in this new article.
📖https://hayesadvisorygroup.com/wp-content/uploads/2025/07/Reshoring-A-Shift-in-Global-Production.pdf

07/23/2025

Big changes may be coming to retirement plans. For the first time, you might soon be able to invest in things like private equity, crypto, and infrastructure funds — inside your 401(k), 403(b), or 457 plan.

🔹 These options could bring new opportunities for growth — but they also come with more risk and complexity.
🔹 The Thrift Savings Plan (TSP) isn’t included in this change… yet.
🔹 Not every investor should jump in — strategy, risk tolerance, and time horizon are key.

If you’re saving for retirement, this could affect how you build wealth. Get the full breakdown here:https://hayesadvisorygroup.com/wp-content/uploads/2025/07/Expanding-Retirement-Accounts-What-Opening-Retirement-Accounts-Could-Mean.pdf

07/09/2025

Wealth creation is entering a new era—shaped by innovation, digital infrastructure, and global transformation. From customized healthcare to sovereign AI and cybersecurity, today’s most powerful investment themes are about positioning for the future, not clinging to the past.

Key Takeaways:
🧬 Healthcare is becoming personal, predictive, and tech-powered.
🤖 Countries are racing to build AI-driven infrastructure for long-term competitiveness.
🚀 True diversification means concentrating on innovation, not owning everything.

The future isn’t something we wait for—it’s already forming around us. Explore how long-term investors can align with where the world is going.

Read more:https://hayesadvisorygroup.com/wp-content/uploads/2025/07/Investing-Where-the-World-is-Going-Innovation-Themes-Reshaping-the-Future-of-Wealth61.pdf

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1825 Dogwood Drive
Kokomo, IN
46902

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