Posts by Michael Hayes

Multi-generational family walking outdoors at sunset, supporting each other.

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…

Retirement income planning for a secure future with guaranteed income options.

Is a Guaranteed Retirement Income Right for You?

Annuities are back in the headlines. Recent industry data shows annuity sales have reached record…

Glass jar labeled "Retirement" filled with coins and cash, with sunglasses beside it.

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…

Reviewing financial documents on laptop in a comfortable home setting.

Planning Through Life’s Turning Points

Life rarely goes in a straight line. There are moments — good and bad —…

Infographic presentation of data analysis with charts and graphs for business insights.

The Real Value of Independent Advice in 2025

There’s been a lot of talk lately about the cost of advice, hidden fees, and…

Analysis of financial documents on a wooden desk with a calculator, pen, mug, and mobile phone in the background.

Financial Planning vs. Having a Financial Product – Why the Difference Matters

When most people think about financial advice, they think about products — ISAs, pensions, investments,…

Well-dressed man with dog at Hayes FP, professional pet services provider in the UK.

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