Anna Hays

Anna Hays is an advanced planning consultant at Commonwealth Financial Network®, member FINRA/SIPC, the nation’s largest privately held Registered Investment Adviser–independent broker/dealer. With the firm since November 2016, she provides financial planning support for affiliated advisors, including estate, trust, charitable, education, business, and social security planning strategies. Anna earned her undergraduate degree and JD from Duquesne University and her LLM in international human rights from the National University of Ireland in Galway.

Information about securities-registered professionals may be found at FINRA BROKERCHECK.

Recent Posts

No Place Like Home: Helping Millennial Homebuyers

Health Insurance for Younger Clients: A Next-Gen Connection Opportunity

A Medicare Do-Over? It Might Be Available to Some of Your Clients—But Act Fast

Helping Clients Make the Connection Between Income and Medicare Premiums

Conducting a POA Checkup: The Advisor’s Role

No Place Like Home: Helping Millennial Homebuyers

Posted by Anna Hays

May 7, 2019 at 10:00 AM

In your meetings with baby boomer clients, do conversations ever arise about their millennial children? Maybe Michael is finishing grad school, or Lizzy just moved out at 26. Have you noticed any trends in this younger generation—perhaps that after years of dragging their feet to settle down and buy a home, they finally are entering the market? You may want to consider taking note, as helping millennial homebuyers could allow you to expand the reach of your advisory firm.

Read More

Topics: Financial Planning

Health Insurance for Younger Clients: A Next-Gen Connection Opportunity

Posted by Anna Hays

April 10, 2019 at 1:30 PM

Being young usually means being healthy—but youth is not a guaranteed defense against medical expenses. Advisors often answer questions about Medicare enrollment, but discussing health insurance for younger clients can seem more daunting—especially when those individuals will lose coverage under a parent’s plan at age 26 and don’t have an employer-sponsored insurance option. Understanding their health insurance market will enhance your ability to develop financial plans for clients who are just starting their careers. Your guidance can also alleviate the concerns of clients whose children are selecting health insurance for the first time and potentially attract that next generation to your practice.

Read More

Topics: Financial Planning

A Medicare Do-Over? It Might Be Available to Some of Your Clients—But Act Fast

Posted by Anna Hays

January 30, 2019 at 1:30 PM

We’ve all been there—we make a decision we wish we could take back, or we go down one road when we should’ve taken another. Sometimes there’s no going back, but when it comes to Medicare, you may be able to offer your clients a solution. If your clients enrolled in a Medicare Advantage plan last year and have doubts about whether it’s the right health insurance for them, you can help them facilitate a Medicare do-over during the new open enrollment period—but you’ll have to act fast, as the window isn’t open for long.

Read More

Topics: Retirement Income Planning

Helping Clients Make the Connection Between Income and Medicare Premiums

Posted by Anna Hays

January 8, 2019 at 10:00 AM

Clients newly enrolled in Medicare may not understand the connection between income and Medicare premiums. The IRS, the Social Security Administration (SSA), and the Centers for Medicare & Medicaid Services all play a part in the income-related monthly adjustment amount (IRMAA) that’s tacked on to Medicare premiums and recalculated every year. The higher an individual’s or couple’s modified adjusted gross income (MAGI), the higher their premiums will be for prescription drugs and doctor visits.

Read More

Topics: Retirement Income Planning

Conducting a POA Checkup: The Advisor’s Role

Posted by Anna Hays

December 5, 2018 at 1:30 PM

What do cars, doctors’ offices, and hair salons have in common? Each one reminds you when it’s time for a checkup. Powers of attorney (POAs), on the other hand, do not have dashboard lights, nor do they send texts. Conducting a POA checkup is generally up to the advisor, as clients don’t usually think to do so on their own.

Read More

Topics: Estate Planning

New Call-to-action
The Independent Market Observer, Brad McMillan

Follow Us