Hayes & Associates

This "Financial Consultant" is really a so called life Insurance plan peddler While Cash value life insurance annuities can be good for people who have children, need the life insurance and want to get some value at the end However if you want this type of plan go to an insurance company and get it, don't go to a snowball artist like him Peddling this type of deal as a "retirement plan" is terribly unethical In my past experience these plans typically require a large amount of premium and can take a long time to even break even, even if you are lucky with interest rate performance HE DOES NOT CARE ABOUT YOUR FINANCIAL healthI asked several times from this quack for the fine print details on his plans and he was deliberately evasive Obviously relying on his ability to sell it to you once you get into his office He is basically a rip off artist trying to sell insurance plans to get his commission Nothing demonstrates his contempt for investers than this reply he sent me when I told him I was going to go with another financial planner"Generally, I do not sell annuities unless the individual has at least 100k to invest and or retired, also I usually do not sell the tax free retirement investment unless the individual earns at least 150k and is willing to think outside the box,this tax free retirement program is where billionaires invest their money,I was trying to educate you somewhat as to how the products work,I can not and will not send you all the details over the internet, I meet with all my prospects before I decide IF, I should take them on as clients,you are right, I am not the right agent for you and I DOUBT IF I would have taken you on as a client,good luck."

This "Financial Consultant" is really a so called 7702 life Insurance plan peddler. While Cash value life insurance annuities can be good for people who have children, need the life insurance and want to get some value at the end. However if you want this type of plan go to an insurance company and get it, don't go to a snowball artist like him. Peddling this type of deal as a "retirement plan" is terribly unethical. In my past experience these plans typically require a large amount of premium and can take a long time to even break even, even if you are lucky with interest rate performance. HE DOES NOT CARE ABOUT YOUR FINANCIAL health. I asked several times from this quack for the fine print details on his plans and he was deliberately evasive. Obviously relying on his ability to sell it to you once you get into his office. He is basically a rip off artist trying to sell insurance plans to get his commission. Nothing demonstrates his contempt for investers than this reply he sent me when I told him I was going to go with another financial planner.
"Generally, I do not sell annuities unless the individual has at least 100k to invest and or retired, also I usually do not sell the tax free retirement investment unless the individual earns at least 150k and is willing to think outside the box,this tax free retirement program is where billionaires invest their money,I was trying to educate you somewhat as to how the products work,I can not and will not send you all the details over the internet, I meet with all my prospects before I decide IF, I should take them on as clients,you are right, I am not the right agent for you and I DOUBT IF I would have taken you on as a client,good luck."