OUR SERVICES
INCOME PROTECTION
Without earned income (think paycheck), and the cash flow that it produces, no one can save and invest even a penny to accomplish their financial goals. Using a collaborative process based on your unique situation, we make sure that your earned income and resulting cash flow will continue no matter what unexpected events may happen over the course of your life. Our commitment to protecting our clients’ income forms the backbone of our clients’ plans and ensures that their income will continue for the duration of their lives.
INVESTMENT MANAGEMENT
We have one objective in mind when managing our clients’ investments: to ensure every single dollar in their portfolio is optimized. First, we thoroughly diagnose our clients’ risk tolerance, time horizon and tax status. We then craft the portfolios with the goal of maximizing their returns for the amount of risk that is appropriate for them while also being tax-efficient. We constantly monitor the portfolios while keeping an eye on the markets. We are not market timers but will tactically make changes as we see fit to ensure our clients are always positioned as best as possible. Any recommendations or changes we make are always in our clients’ absolute best interest and we commit to being held by that standard as fiduciaries.
FINANCIAL PLANNING
Everyone should have a Financial Plan. It serves as the roadmap that will guide you through life and ensure you have the financial ability to achieve your goals. You work hard to earn an income and save your money. We help streamline it efficiently so you can get to your goals faster while also protecting the people and things you care about along the way. We stress test our clients’ plans against all possible scenarios while creating flexibility. This allows us to help navigate any obstacle that may arise in the markets or any detour that may occur in our clients’ personal lives. We will be with you every step of the way.
EMPLOYEE BENEFITS
When it comes to employee benefits, experience and resources matter. Haycox Financial Group has a commitment to personal high quality service. We utilize our relationships with every major carrier in the market when shopping for plans and creating benefit packages that best fit your company’s needs. From health, dental, and disability insurance to POP and COBRA administration, Haycox Financial Group is here to help shop and service your benefits package. We understand that no two businesses are alike, therefore we customize each plan and strategy to best suit your company’s needs.
BUSINESS CONTINUATION & TRANSITION PLANNING
With over 50 years of combined experience helping privately held and family owned businesses, William Haycox, Certified Family Business Specialist and Eddie Drescher, CExP are passionate about getting in the trenches with business owners and their stakeholders to develop a road map to ensure a successful continuation and transition plan for current and future owners.
LEGACY & ESTATE PLANNING
No matter what station in life you are, we pride ourselves on de-mystifying the meaning of your “legacy” and “estate plan” and provide you with an easy to understand road map of the actions you must take to ensure your desired beneficiaries get what you intend.
EXECUTIVE BENEFITS
As a Business Owner, your enterprise depends on the quality of your executive leadership team. As an Executive, you may find that your annual tax bill is unacceptably too high. Proper Executive Benefit Planning helps you attract and retain the people your enterprise needs and provides Executives with the compensation he/she deserves while minimizing taxes. At Haycox Financial Group, we have combined experience of over 50 years in designing and funding the optimum plans for your organization and Executive Team. Our expertise includes Non-Qualified Deferred Compensation, Split Dollar Life Insurance, Executive Bonus, Stay Bonus, and Stock Appreciation Rights; Employee Stock Ownership, Qualified Sick Pay, Long-Term Disability, and Long-Term Care planning.
CORPORATE RETIREMENT PLANS
Navigating today’s ever-changing and increasingly complex legal and fiduciary compliance landscape can be a nightmare. Haycox Financial Group helps businesses comply with ongoing retirement plan regulations and adhere to fiduciary responsibilities. As members of the Retirement Plan Advisory Group (RPAG), we utilize robust technology and 360° metrics when providing ongoing investment due diligence, plan compliance, and fee benchmarking. Offering a 401(k) is a huge benefit to employees, however it can be underutilized because of a lack of understanding. Haycox Financial Group provides employee education meetings both remotely and in-person to make sure employees understand the plan, the investments and the importance of saving for retirement. Whether your plan is just getting started or has over $100 million of plan assets, Haycox Financial Group is here to serve you and your employees.