Generated by All in One SEO Pro v4.9.10, this is an llms.txt file, used by LLMs to index the site. # Hays Financial Group ## Sitemaps - [XML Sitemap](https://www.haysfinancialgroup.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Turning Savings into Income: Retirement Paychecks Explained](https://www.haysfinancialgroup.com/turning-savings-into-income-retirement-paychecks-explained/) - [Financial Spring Cleaning: Refreshing Your Retirement Strategy](https://www.haysfinancialgroup.com/financial-spring-cleaning-refreshing-your-retirement-strategy/) - [Building a Retirement-Ready Portfolio: Balancing Risk, Reward & Market Changes](https://www.haysfinancialgroup.com/building-a-retirement-ready-portfolio-balancing-risk-reward-market-changes/) - [Decoding Your Retirement Statement: What Really Matters](https://www.haysfinancialgroup.com/decoding-your-retirement-statement-what-really-matters/) - [Taxes & Withdrawals: Keeping More of Your Retirement Money](https://www.haysfinancialgroup.com/taxes-withdrawals-keeping-more-of-your-retirement-money/) - [5 Steps to a Retirement-Ready Budget](https://www.haysfinancialgroup.com/5-steps-to-a-retirement-ready-budget/) - [Coordinating Social Security with Other Retirement Income](https://www.haysfinancialgroup.com/coordinating-social-security-with-other-retirement-income/) - [Year-End Financial Planning: Rebalancing, Increased Savings, and Tax Considerations](https://www.haysfinancialgroup.com/year-end-financial-planning-rebalancing-increased-savings-and-tax-considerations/) - [Countdown to Retirement: Income & Withdrawal Strategies](https://www.haysfinancialgroup.com/countdown-to-retirement-income-withdrawal-strategies/) - [Pay taxes on your 401(k) now or later—what’s better for you?](https://www.haysfinancialgroup.com/pay-taxes-on-your-401k-now-or-later-whats-better-for-you/) - [Protect Your People: Why Keeping Beneficiaries Current Matters](https://www.haysfinancialgroup.com/protect-your-people-why-keeping-beneficiaries-current-matters/) - [Healthcare & Retirement: What You Need to Know](https://www.haysfinancialgroup.com/healthcare-retirement-what-you-need-to-know/) - [‘Tis the Season to Spend Smart](https://www.haysfinancialgroup.com/tis-the-season-to-spend-smart/) - [Turn Your Savings Into a Retirement Strategy](https://www.haysfinancialgroup.com/turn-your-savings-into-a-retirement-strategy/) - [Questions to Ask Your HFG Expert](https://www.haysfinancialgroup.com/questions-to-ask-your-hfg-expert/) - [Smart Investing: Strategies for Your Retirement Portfolio](https://www.haysfinancialgroup.com/smart-investing-strategies-for-your-retirement-portfolio/) - [Know Your Numbers: Understanding Your Retirement Plan Statement](https://www.haysfinancialgroup.com/know-your-numbers-understanding-your-retirement-plan-statement/) - [Live Q&A Recording: August 2025](https://www.haysfinancialgroup.com/live-qa-recording-august-2025/) - [Withdrawing Wisely: Taking Money from Your Retirement Account](https://www.haysfinancialgroup.com/withdrawing-wisely-taking-money-from-your-retirement-account/) - [Live Q&A Recording: June 2025](https://www.haysfinancialgroup.com/live-qa-recording-june-2025/) - [Social Security & Building a Social Security Bridge](https://www.haysfinancialgroup.com/social-security-building-a-social-security-bridge/) - [Roth or Pretax: Which Is for Me?](https://www.haysfinancialgroup.com/roth-or-pretax-which-is-for-me/) - [Live Q&A Recording: April 2025](https://www.haysfinancialgroup.com/live-qa-recording-april-2025/) - [Women, Retirement, and Their Unique Planning Considerations](https://www.haysfinancialgroup.com/women-retirement-and-their-unique-planning-considerations-2/) - [Retirement 101: Basics for Getting Started and Debunking Common Myths](https://www.haysfinancialgroup.com/retirement-101-basics-for-getting-started-and-debunking-common-myths/) - [Live Q&A Recording: February 2025](https://www.haysfinancialgroup.com/live-qa-recording-february-2025/) - [Kickstart Your Retirement: New Year, New Financial Goals](https://www.haysfinancialgroup.com/kickstart-your-retirement-new-year-new-financial-goals/) - [National 401(k) Day Webinar](https://www.haysfinancialgroup.com/national-401k-day-webinar/) - [Tackling Debt on Your Path to Retirement Saving Success](https://www.haysfinancialgroup.com/tackling-debt-on-your-path-to-retirement-saving-success/) - [Retirement Readiness: The Foundations of Financial Planning](https://www.haysfinancialgroup.com/retirement-readiness-the-foundations-of-financial-planning/) - [Navigating Retirement Savings: Myths and Realities](https://www.haysfinancialgroup.com/navigating-retirement-savings-myths-and-realities/) - [A Conversation About Costs](https://www.haysfinancialgroup.com/a-conversation-about-costs/) - [Building A Social Security Bridge](https://www.haysfinancialgroup.com/building-a-social-security-bridge/) - [Roth or Pretax Savings, Which Is for Me?](https://www.haysfinancialgroup.com/roth-or-pretax-savings-which-is-for-me/) - [Women, Retirement, and Their Unique Planning Considerations](https://www.haysfinancialgroup.com/women-retirement-and-their-unique-planning-considerations/) - In this insightful presentation, we explore the unique considerations women should keep in mind when planning for retirement. Discover key insights and practical strategies to help women achieve financial security and independence in their golden years. • Longer Lifespans: Women typically live longer than men, making long-term financial planning crucial. • Earnings Disparities: Addressing wage gaps and career interruptions is vital for building robust retirement savings. • Caregiver Roles: Balancing caregiving responsibilities with retirement saving strategies is essential for financial well-being. - [Turning Your Savings Into Income: Effective strategies for creating a retirement paycheck](https://www.haysfinancialgroup.com/turning-your-savings-into-income-effective-strategies-for-creating-a-retirement-paycheck/) - [Foundational Investing](https://www.haysfinancialgroup.com/foundational-investing/) - [Get Started Saving for Retirement](https://www.haysfinancialgroup.com/get-started-saving-for-retirement/) - [Year-End Savings Topics](https://www.haysfinancialgroup.com/year-end-savings-topics/) - [529 Plans](https://www.haysfinancialgroup.com/529-plans/) - [Visualize Retirement](https://www.haysfinancialgroup.com/visualize-retirement-2/) - [Budgeting](https://www.haysfinancialgroup.com/budgeting/) - [Loans, Hardships, And Distributions](https://www.haysfinancialgroup.com/loans-hardships-and-distributions/) - [Roth Or Pretax](https://www.haysfinancialgroup.com/roth-or-pretax/) - [Social Security](https://www.haysfinancialgroup.com/social-security/) - [Secrets To Retirement Plan Design](https://www.haysfinancialgroup.com/secrets-to-retirement-plan-design/) - [Why Retirement Plan Education Matters More Than Ever](https://www.haysfinancialgroup.com/why-retirement-plan-education-matters-more-than-ever/) - [Retirement Plan Statements – A Better Understanding](https://www.haysfinancialgroup.com/retirement-plan-statements-a-better-understanding/) - [Pretax-Roth](https://www.haysfinancialgroup.com/pretax-roth/) - [Emotions & Investing](https://www.haysfinancialgroup.com/emotions-investing/) - [Foundational Retirement Savings](https://www.haysfinancialgroup.com/foundational-retirement-savings/) - [Budgeting Basics](https://www.haysfinancialgroup.com/budgeting-basics/) - [Investing Strategies](https://www.haysfinancialgroup.com/investing-strategies/) - [Reducing Your Fiduciary Liability](https://www.haysfinancialgroup.com/reducing-your-fiduciary-liability/) - [Life Insurance & Your Retirement](https://www.haysfinancialgroup.com/life-insurance-your-retirement/) - [Retirement: Greatest Hits](https://www.haysfinancialgroup.com/retirement-greatest-hits/) - [Retirement Preparedness](https://www.haysfinancialgroup.com/retirement-preparedness/) - [Inflation Effects On Retirement Savings](https://www.haysfinancialgroup.com/inflation-effects-on-retirement-savings/) - [It’s A New Year, Turn A Fresh Financial Page](https://www.haysfinancialgroup.com/its-a-new-year-turn-a-fresh-financial-page/) - [Retiree Profiles: Lifestyles In Retirement](https://www.haysfinancialgroup.com/retiree-profiles-lifestyles-in-retirement/) - [Behavior Of Retirement Savers](https://www.haysfinancialgroup.com/behavior-of-retirement-savers-2/) - [Behavior Of Retirement Savers](https://www.haysfinancialgroup.com/behavior-of-retirement-savers-2/) - [Hays Financial Group Education Services](https://www.haysfinancialgroup.com/hays-financial-group-education-services/) - [Match Change (Eng & Span)](https://www.haysfinancialgroup.com/match-change-eng-span/) - [Plan Highlights Basic Steps (Eng-Span)](https://www.haysfinancialgroup.com/plan-highlights-basic-steps-eng-span/) - [Holiday Spending](https://www.haysfinancialgroup.com/holiday-spending/) - [Deferred Compensation Plan](https://www.haysfinancialgroup.com/deferred-compensation-plan/) - [3 Step To Success](https://www.haysfinancialgroup.com/3-step-to-success/) - [Pretax Roth Infographic Side-By-Side](https://www.haysfinancialgroup.com/pretax-roth-infographic-side-by-side/) - [Cares Act](https://www.haysfinancialgroup.com/cares-act/) - [Cares Act Updates](https://www.haysfinancialgroup.com/cares-act-updates/) - [E-Disclosure](https://www.haysfinancialgroup.com/e-disclosure/) - [ESG Financial Factors Rule](https://www.haysfinancialgroup.com/esg-financial-factors-rule/) - [Speculating Vs. Retirement Investing](https://www.haysfinancialgroup.com/speculating-vs-retirement-investing/) - [Bitcoin And Your Retirement Plan](https://www.haysfinancialgroup.com/bitcoin-and-your-retirement-plan/) - [Cybersecurity Tips](https://www.haysfinancialgroup.com/cybersecurity-tips/) - [Are You Sabotaging Your Retirement?](https://www.haysfinancialgroup.com/are-you-sabotaging-your-retirement/) - [Back-To-School For Retirement Plans](https://www.haysfinancialgroup.com/back-to-school-for-retirement-plans/) - [Importance Of Saving Early](https://www.haysfinancialgroup.com/importance-of-saving-early/) - [Hindsight Is 20/20](https://www.haysfinancialgroup.com/hindsight-is-20-20/) - [2023 IRS Contribution Limits](https://www.haysfinancialgroup.com/2023-irs-contribution-limits/) ## Pages - [Home](https://www.haysfinancialgroup.com/) - Get personalized, trustworthy fiduciary advice and governance for your company’s retirement plans. Discover the benefits that attract and engage top talent. - [Our Team](https://www.haysfinancialgroup.com/about-us/our-team/) - [Events](https://www.haysfinancialgroup.com/employees/events/) - [Contact](https://www.haysfinancialgroup.com/contact/) - Call us at 844-714-7634 or message to schedule a consultation with our retirement and financial planning professionals. - [Recordings](https://www.haysfinancialgroup.com/employees/recordings/) - [Podcasts](https://www.haysfinancialgroup.com/podcasts/) - [Videos](https://www.haysfinancialgroup.com/videos/) - [Employees](https://www.haysfinancialgroup.com/employees/) - Investment advice, retirement planning, and financial wellness services for employees. Schedule your individual coaching session to take charge of your financial security. - [Services](https://www.haysfinancialgroup.com/services/) - As your fiduciary advisor, we specialize in customized services, including plan design and governance, to meet your unique needs. - [Non-Qualified Plans](https://www.haysfinancialgroup.com/services/non-qualified-plans/) - Attract and retain top talent with non-qualified plans for retirement. Our customized services help organizations improve retirement readiness for their high-level employees. - [About Us](https://www.haysfinancialgroup.com/about-us/) - [Articles](https://www.haysfinancialgroup.com/articles/) - Discover expert advice, trends, and strategies in our articles to enhance your retirement planning, understand 401k updates, and explore your financial options. - [Executive Life Insurance](https://www.haysfinancialgroup.com/services/exectuive-life-insurance/) - Provide financial strength to your employees with executive life insurance. Our innovative services include custom-designed solutions and strategies to improve employee recruitment and retention. - [Defined Contribution Plans](https://www.haysfinancialgroup.com/services/defined-contribution-plans/) - Enhance employee recruitment with Defined Contribution Plans. Get personalized services to strategize and monitor your team's retirement readiness. - [Sitemap](https://www.haysfinancialgroup.com/sitemap/) - [Defined Benefits](https://www.haysfinancialgroup.com/services/defined-benefit-plans/) - Improve employee recruitment and retention with Defined Benefits Plans. We’ll help you strategize, roll out and monitor retirement readiness for your employees through our tailored services. - [401(k) Plan Termination Services](https://www.haysfinancialgroup.com/401k-plan-terminations/) - [401(k) Fiduciary Consulting](https://www.haysfinancialgroup.com/401k-fiduciary-consulting/) - [Personal Wealth Management and Financial Planning](https://www.haysfinancialgroup.com/personal-wealth-management/) - [Retirement Planning Resources](https://www.haysfinancialgroup.com/employees/retirement-planning-resources/) - [Español](https://www.haysfinancialgroup.com/spanish/) - [Investing](https://www.haysfinancialgroup.com/employees/investing/) - One-on-One Coaching Our retirement advisors will walk you through all your options and tailor a strategy to achieve your goals. Learn more… - [Financial Planning & Advice](https://www.haysfinancialgroup.com/employees/financial-planning-advice/) - [Privacy Policy](https://www.haysfinancialgroup.com/privacy-policy/) - [Money Management](https://www.haysfinancialgroup.com/employees/money-management/) - Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia dese runt mol. Vivamus sagittis lacus vel augue laoreet ru us dolor auctor. - [Schedule A Consultation](https://www.haysfinancialgroup.com/schedule-a-consultation/) ## Employee - [Jackie Stutzman](https://www.haysfinancialgroup.com/employee/jackie-stutzman/) - [Jordy Foy](https://www.haysfinancialgroup.com/employee/jordy-foy/) - [Natalie Sivilotti](https://www.haysfinancialgroup.com/employee/natalie-sivilotti/) - [Nick Carlson](https://www.haysfinancialgroup.com/employee/nick-carlson/) - [Chase Froemke](https://www.haysfinancialgroup.com/employee/chase-froemke/) - [Carter Jacobson](https://www.haysfinancialgroup.com/employee/carter-jacobson/) - [Bryon Eggan, QPFC](https://www.haysfinancialgroup.com/employee/bryon-eggan/) - [Kevin Hannon](https://www.haysfinancialgroup.com/employee/kevin-hannon/) - [Suzanne Mahowald](https://www.haysfinancialgroup.com/employee/suzanne-mahowald/) - [Matt Hogan](https://www.haysfinancialgroup.com/employee/matt-hogan/) - [Liz Radtke](https://www.haysfinancialgroup.com/employee/liz-radtke/) - [Jim Miley](https://www.haysfinancialgroup.com/employee/jim-miley/) - [Grace Ginther](https://www.haysfinancialgroup.com/employee/grace-ginther/) - [Emily Sweet](https://www.haysfinancialgroup.com/employee/anna-kraemer/) - [Brian Whinnery](https://www.haysfinancialgroup.com/employee/brian-whinnery/) - [Greg Klein, CFP®](https://www.haysfinancialgroup.com/employee/greg-klein/) ## Articles - [7 Keys to Navigating Market Volatility](https://www.haysfinancialgroup.com/article/7-keys-to-navigating-market-volatility/) - [Are You Following the Financial Herd?](https://www.haysfinancialgroup.com/article/are-you-following-the-financial-herd/) - [Must-Know Retirement Deadlines](https://www.haysfinancialgroup.com/article/must-know-retirement-deadlines/) - [3 Small Moves that Make a Big Difference in Retirement](https://www.haysfinancialgroup.com/article/3-small-moves-that-make-a-big-difference-in-retirement/) - [How Does the New RMD Rule Affect Retirees?](https://www.haysfinancialgroup.com/article/how-does-the-new-rmd-rule-affect-retirees/) - [What You Should Know About Advisor Fees](https://www.haysfinancialgroup.com/article/what-you-should-know-about-advisor-fees/) - Financial advisors and planners help you manage your investments and work toward your financial goals, such as estate and retirement planning. In return for their expertise and guidance, some advisors will charge a flat fee, while others work on commission. Some may even do both. But how are those fees determined and who pays for them? Whether you’re already working with an advisor or just starting to explore your options, make sure you understand their fee structures so that you can be sure that you’re getting the best fit for your needs. This overview can help you start that conversation. - [New Year, New Resolutions](https://www.haysfinancialgroup.com/article/new-year-new-resolutions/) - [Answering Your Kids Toughest Money Questions](https://www.haysfinancialgroup.com/article/answering-your-kids-toughest-money-questions/) - [3 Tips for Evaluating Portfolio Performance](https://www.haysfinancialgroup.com/article/3-tips-for-evaluating-portfolio-performance/) - [Finding the Ideal Place to Live in Retirement](https://www.haysfinancialgroup.com/article/finding-the-ideal-place-to-live-in-retirement/) - [Mortgage Gimmicks Explained](https://www.haysfinancialgroup.com/article/mortgage-gimmicks-explained/) - [Get to Know Your Risk Tolerance](https://www.haysfinancialgroup.com/article/get-to-know-your-risk-tolerance/) - [Target Date Funds: What They Are and When to Use Them](https://www.haysfinancialgroup.com/article/target-date-funds-what-they-are-and-when-to-use-them/) - [Instilling Financial Values in Your Family](https://www.haysfinancialgroup.com/article/instilling-financial-values-in-your-family/) - [Active vs. Passive Investing: Which Is Best?](https://www.haysfinancialgroup.com/article/active-vs-passive-investing-which-is-best/) - Investors and advisors alike have long debated the merits of active versus passive investing. As the markets have taken a downward turn over the last year in response to rising interest rates, this age-old question has emerged again. - [Why You Need an Evolving Financial Plan](https://www.haysfinancialgroup.com/article/why-you-need-an-evolving-financial-plan/) - [Smart Ways to Save for Your Child’s Education](https://www.haysfinancialgroup.com/article/smart-ways-to-save-for-your-childs-education/) - [The Advantages of a Family Trust](https://www.haysfinancialgroup.com/article/the-advantages-of-a-family-trust/) - [It’s Time to Have “The Estate Plan Talk”](https://www.haysfinancialgroup.com/article/its-time-to-have-the-estate-plan-talk/) - [Investing During a Bear Market](https://www.haysfinancialgroup.com/article/investing-during-a-bear-market/) ## Categories - [Uncategorized](https://www.haysfinancialgroup.com/category/uncategorized/) - [Retirement Planning](https://www.haysfinancialgroup.com/category/retirement-planning/) - [Retirement Savings](https://www.haysfinancialgroup.com/category/retirement-planning/retirement-savings/) - [Investing](https://www.haysfinancialgroup.com/category/investing/) - [Money Management](https://www.haysfinancialgroup.com/category/money-management/) - [Articles](https://www.haysfinancialgroup.com/category/articles/) - [General](https://www.haysfinancialgroup.com/category/articles/general/) - [Financial Planning & Advice](https://www.haysfinancialgroup.com/category/financial-planning-advice/) - [Resources](https://www.haysfinancialgroup.com/category/resources/) - [Recording](https://www.haysfinancialgroup.com/category/resources/recording/) - [Communication](https://www.haysfinancialgroup.com/category/resources/communication/) - [Retirement Optimization](https://www.haysfinancialgroup.com/category/retirement-planning/retirement-optimization/) - [Financial Wellness](https://www.haysfinancialgroup.com/category/financial-wellness/) - [Financial Protection](https://www.haysfinancialgroup.com/category/financial-wellness/financial-protection/) ## Tags - [videos](https://www.haysfinancialgroup.com/tag/videos/)