Rob Hayes, Financial Advisor

Rob Hayes, Financial Advisor Financial Advisor working with individuals and businesses, creating sound, long-term financial plans. Past performance does not guarantee future results.

Securities offered through Cetera Advisors LLC, 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 Cetera Advisors LLC. Any opinions expressed in this forum are not the opinion or view of Bright Futures Wealth Managem

ent, LLC or Cetera Advisors, LLC, and have not been reviewed by the firm 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. Investments are not suitable for all types of investors.

This Monthly Recap summarizes market performance, major events and news from October 2025. Read more here:
11/04/2025

This Monthly Recap summarizes market performance, major events and news from October 2025. Read more here:

The S&P 500 posted solid gains in October, ending within 1% of a new record high set three trading days before month end. Reaffirming optimism in AI, strong earnings and reduced interest rates lifted equities to their sixth straight monthly gain while bonds clinched their third consecutive winning m...

With government reports on hold, this week’s ISM Manufacturing and Services indices are critical for gauging economic he...
11/03/2025

With government reports on hold, this week’s ISM Manufacturing and Services indices are critical for gauging economic health and inflation trends. On this episode of , CIO Gene Goldman explains what to watch and why these indicators matter now more than ever.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

All eyes are on the Fed this week. On this episode of , CIO Gene Goldman breaks down why a rate cut is likely at the up...
10/27/2025

All eyes are on the Fed this week. On this episode of , CIO Gene Goldman breaks down why a rate cut is likely at the upcoming FOMC meeting—and what the Fed’s comments could show about how they plan to move going forward.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

With most government data on hold, this week’s CPI report stands out as a key signal for the Fed and the markets. On thi...
10/20/2025

With most government data on hold, this week’s CPI report stands out as a key signal for the Fed and the markets. On this episode of , CIO Gene Goldman breaks down what to expect from Friday’s inflation reading and why it could support the case for rate cuts.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Read the latest issue of Financial Watch here:
10/16/2025

Read the latest issue of Financial Watch here:

There are some big changes coming for 529 plans. Families who use 529 education savings plans to set aside money for school will soon see new benefits. The One Big Beautiful Bill Act (OBBBA), signed into law in July 2025, expands how these accounts can be used — giving families more flexibility an...

Trade tensions are rising—but so is opportunity. Markets have pulled back amid renewed U.S.–China trade concerns, but hi...
10/14/2025

Trade tensions are rising—but so is opportunity. Markets have pulled back amid renewed U.S.–China trade concerns, but history shows volatility often opens the door for long-term growth. Check out the latest commentary for insights on what’s driving the market moves and how investors can stay positioned for what's ahead. Read now:

In our latest commentary, we explore how rising U.S.–China trade tensions are fueling market volatility—and why that may present a buying opportunity. Despite near-term uncertainty, strong fundamentals and ample investor liquidity suggest the pullback could be a healthy reset within a longer-ter...

Read the latest issue of Retire Wise here:
10/14/2025

Read the latest issue of Retire Wise here:

Good news for seniors: introduced under the One Big Beautiful Bill Act (OBBBA), beginning with the 2025 tax year, anyone age 65 or older can take a new Senior Bonus Deduction of up to $6,000 per person (or $12,000 for couples if both spouses qualify). This eduction is available whether you itemize o...

Earnings season kicks off this week — and it couldn’t come at a more critical time. With high valuations, postponed econ...
10/13/2025

Earnings season kicks off this week — and it couldn’t come at a more critical time. With high valuations, postponed economic data, and fresh tariff uncertainty, corporate earnings may be the clearest signal for investors. Join CIO Gene Goldman on this week’s episode of as he breaks down why earnings matter so much for stock prices and market sentiment.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

As market volatility creeps in like a Halloween chill, the Cetera Investment Management team brews up five essential ing...
10/10/2025

As market volatility creeps in like a Halloween chill, the Cetera Investment Management team brews up five essential ingredients for building a resilient portfolio in our latest commentary. From understanding risk tolerance to incorporating alternative investments, this seasonal piece blends timely themes with practical diversification insights to help investors stay grounded—no broomstick required. Read now:

As market volatility creeps in like a Halloween chill, our team brews up five essential ingredients for building a resilient portfolio. From understanding your risk tolerance to adding alternative investments, this seasonal commentary blends spooky themes with smart diversification strategies to hel...

With the government shutdown stalling key economic data, investors are turning to the Fed for clues. Join CIO Gene Goldm...
10/06/2025

With the government shutdown stalling key economic data, investors are turning to the Fed for clues. Join CIO Gene Goldman on this week’s episode of as he breaks down why the FOMC meeting minutes could be the most important release of the week — and what they reveal about the Fed’s growing divide on interest rates.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

This Quarterly Recap summarizes market performance, major events and news from Q3 2025. Read more here:
10/02/2025

This Quarterly Recap summarizes market performance, major events and news from Q3 2025. Read more here:

U.S. stocks posted solid gains for the month and quarter with the S&P 500 delivering its best September performance in 15 years and capped its fifth straight winning month. Gains were driven by continued appetites for tech stocks while bond prices rose, and yields declined in anticipation of the Fed...

The federal government has entered its first shutdown in nearly seven years. Check out the latest commentary from Cetera...
10/01/2025

The federal government has entered its first shutdown in nearly seven years. Check out the latest commentary from Cetera Investment Management that breaks down what it means for the economy, markets, and investors-and why staying focused on the bigger picture matters. Read now:

The federal government has entered its first shutdown in nearly seven years. In our latest commentary, we break down what it means for the economy, markets, and investors. While shutdowns can cause near-term disruption, history shows their long-term impact is muted. That’s why staying focused on t...

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