Hayes Financial, Inc.

Hayes Financial, Inc., a registered investment advisor based in San Jose, California, has been registered with the SEC since 2017. The firm, led by Zachary D. Hayes, offers investment advisory and financial planning services tailored to individual client financial goals. Operating under strict fiduciary standards, Hayes Financial prioritizes clients' interests, coordinates financial aspects with life goals, and integrates investments across various accounts. The firm employs a 7-step investment process, focusing on understanding clients' financial pictures, budget, income, and withdrawal expectations before recommending allocation strategies. Hayes Financial has discretionary authority over client funds, allowing for efficient decision-making within client parameters. The firm charges annual management fees ranging from 1.0% to 1.25% of assets under management, with no set account minimum. Clients are billed quarterly in advance, and fees are paid directly from client accounts. Hayes Financial does not offer a wrap fee program and manages over $342 million of client assets on a discretionary basis. The firm does not charge performance-based fees or engage in side-by-side management. Clients include individuals, high net worth individuals, and businesses, with no minimum account size requirement. Investment strategies involve a mix of mutual funds, stocks, bonds, and ETFs, guided by a proprietary scoring model. Hayes Financial emphasizes client involvement and provides regular account reviews and reports. The firm does not vote proxies on behalf of clients and has no financial commitments that would impair meeting client obligations. Clients receive monthly custodian account statements and quarterly reports from Hayes Financial. Hayes Financial does not have any disciplinary information to disclose and does not receive compensation for referrals. The firm participates in TD Ameritrade's institutional customer program, offering benefits such as custody services and research tools. As fiduciaries, Hayes Financial aims to act in clients' best interests at all times.