About Hayes Financial Planning
I’m Michael Hayes, Chartered Financial Planner, Fellow of the London Institute of Banking & Finance, and founder of Hayes Financial Planning.
Expertise Built on Experience and Ethics
With more than 25 years in financial services, I’ve guided clients through every stage of their financial lives: from building savings and investments, to retirement, inheritance tax planning, and navigating complex divorce cases. My Chartered and Fellow status reflects my commitment to professional excellence, ethics, and continuous development.
Clients often tell me they value my ability to listen, explain clearly, and build trusted long-term relationships. I believe financial planning is about putting your life and priorities first, not just managing money.
Beyond Finance
Family and golf keep me grounded. I run Croygas Pan Disability Football Club in Wallington, serve as President of the local Round Table raising funds for community causes, and have held roles as a school governor and non-executive director. These experiences shape my values as an adviser: integrity, empathy, and a commitment to making a difference.
Why choose me
Chartered status with years of practical experience
Independent, whole-of-market access
Clear fees explained before any work begins
Local presence in Reigate with flexible meetings across Surrey and online
Plain-English guidance with minimal jargon
Steady process from first call through ongoing review
Recent insights
The Sandwich Generation: Supporting Family Without Derailing Your Own Future
There is a stage of life I see increasingly often. You are earning well. You…
Is a Guaranteed Retirement Income Right for You?
Annuities are back in the headlines. Recent industry data shows annuity sales have reached record…
What the Proposed 2027 Changes Could Mean for Your Retirement Plan
For many years, pensions have quietly been one of the most effective ways to pass…
Planning Through Life’s Turning Points
Life rarely goes in a straight line. There are moments — good and bad —…
