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Services

Let's Work Together

Our firm specializes in helping individuals, families, and business owners develop sound financial strategies. We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.

We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

Investments

Bonds

Common Stock

Educational IRA

Traditional IRA

Roth IRA

SEP IRA

Simple IRA

Brokerage Accounts

Treasury Bills

Government Securities

Treasury Notes

Financial Planning

Retirement Plans

Tax Plans

401(k) Planning

403(b) Planning

College Plans

Estate Plans

Money Purchasing Plans

Profit Sharing Plans

Insurance

Disability Income Insurance

Life Insurance

Long-Term-Care Insurance

Our Asset Management Philosophy

Markets are efficient.  Respect the evidence: "beating" the market is highly unlikely and costly to attempt.  

Thoughtfully allocate between equities (for growth) and fixed income (to reduce portfolio volatility) based on individual goals and risk tolerance. 

Rebalance systematically.  Avoid market timing. 

Diversify broadly across asset classes and geographies.  No big bets. 

Costs matter.  A lot.  Own low-cost investments.  Minimize transaction costs.

Taxes matter.  A lot.  Use tax-advantaged accounts wisely.  Realize gains strategically.  Harvest losses.

Simpler is (usually) better. 

Ignore the noise.

Stay disciplined.

 Live intentionally.

Work with Hayden Wealth Management.