Rob Hayes, Financial Advisor

Rob Hayes, Financial Advisor Financial Advisor working with individuals and businesses, creating sound, long-term financial plans. Securities offered through Silver Oak Securities, Inc.

(SOSI) Member: FINRA, SIPC. Investment Advisory services offered through Bright Futures Wealth Management, LLC., an SEC-registered Investment Adviser firm. Hayes Financial Group is not affiliated with Bright Futures Wealth Management LLC or SOSI. Any opinions expressed in this forum are not the opinion or view of Bright Futures Wealth Management, LLC or SOSI, and have not been reviewed by the fir

m for completeness or accuracy. These opinions are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgement prior to investing. Investments are not guaranteed, involve risk and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors.

An ILIT could play a role in your estate strategy.
09/02/2026

An ILIT could play a role in your estate strategy.

Irrevocable life insurance trusts can be important tools that may accomplish a number of estate objectives.

Periodic withdrawals in retirement may not be such a good idea.
08/31/2026

Periodic withdrawals in retirement may not be such a good idea.

Taking regular, periodic withdrawals during retirement can be quite problematic.

Recovery. Recession. Gross Domestic Product. Learn the language of economic cycles.
08/28/2026

Recovery. Recession. Gross Domestic Product. Learn the language of economic cycles.

Understanding the economy's cycles can help put current business conditions in better perspective.

Your credit score may impact what you pay for auto and home insurance.
08/26/2026

Your credit score may impact what you pay for auto and home insurance.

Your credit score may influence how much you pay for auto and home insurance.

Required minimum distributions can catch retirees off guard. Use this calculator to estimate your RMD and think through ...
08/24/2026

Required minimum distributions can catch retirees off guard. Use this calculator to estimate your RMD and think through how it fits into your overall picture.

Calculate your required minimum distribution amount based on your account balance and age.

Marriage changes your financial life. This piece includes keys to preparing to grow wealthy together.
08/21/2026

Marriage changes your financial life. This piece includes keys to preparing to grow wealthy together.

Keys to preparing to grow wealthy together.

[Video] Agent Jane Bond wants you to know about the basics of the bond market.
08/19/2026

[Video] Agent Jane Bond wants you to know about the basics of the bond market.

Agent Jane Bond is on the case, cracking the code on bonds.

08/18/2026

✏️ Worth Noting
🎯 Historical Perspective: When Social Security began in 1935, the average 65-year-old was only expected to live another 12 years. Today, the SSA projects that a 65-year-old can expect to reach age 85. We aren't just preparing for a "retirement phase"; we are preparing for a second adulthood that lasts a quarter of a century.

Learn the language of life insurance.
08/17/2026

Learn the language of life insurance.

When considering life insurance, it's important to understand your options.

A retiree’s portfolio should reflect the lifestyle choices he or she makes in retirement. Does yours?
08/14/2026

A retiree’s portfolio should reflect the lifestyle choices he or she makes in retirement. Does yours?

Lifestyle considerations in creating your retirement portfolio.

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1630 Empire Boulevard
Webster, NY
14580

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+15858806156

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