As a Retirement Income Specialist with 25 years of experience, Hayes enjoys educating folks 55 years of age and up on the importance of transitioning from the “Accumulation” mindset to the “Preservation & Distribution” phase of their money, with the goal of setting his clientele up for a stable, secure and enjoyable retirement. To help you achieve this, he’ll show you how to set up “pension-style” guaranteed income streams in retirement that you cannot outlive, how to maintain proper Risk On / Risk Off balance in your portfolio with an emphasis on protecting your hard-earned dollars from market volatility. For those who have more retirement income than they’ll ever need, are concerned about Required Minimum Distributions and want their family, not the IRS, to benefit most from their 401ks and IRAs, ….Hayes will share with you a powerful and well-guarded Roth IRA conversion strategy that takes the “sting” out of the conversion taxes and leaves more of your wealth behind for your family! Hayes earned a Bachelor’s Degree in Business Management from The University of Memphis and is a committed husband to his bride, Julie, and Dad to their son, Jesse, and enjoys cooking, playing tennis and going for walks in the woods.