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

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

The ABLE Account Under the Tax Cuts and Jobs Act

Are You Ready to Answer Client Questions About the New Medicare Card?

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

The ABLE Account Under the Tax Cuts and Jobs Act

Posted by Anna Hays

July 11, 2018 at 1:30 PM

In 2014, Congress created ABLE (a.k.a., 529A) accounts for qualified disability expenses. But several limitations became apparent as states started to establish their ABLE account programs. Fortunately, the ABLE account under the Tax Cuts and Jobs Act (TCJA) corrects some of these shortcomings. Here, we’ll take a look at those improvements, the differences between an ABLE account and special needs trusts, and how changes under the TCJA present a special needs planning opportunity for you and your clients.

Read More

Topics: Estate Planning

Are You Ready to Answer Client Questions About the New Medicare Card?

Posted by Anna Hays

May 29, 2018 at 10:00 AM

If you’re like most financial advisors, you’ve supported your clients through many phases of life, and now, a number of them are enrolling in Medicare. As your clients enter into this next phase, they’re likely to come to you for answers to their questions about health care in retirement. By educating yourself and your team on how to respond to these concerns, you can provide a value-added service to guide older clients through this time of transition.

Read More

Topics: Retirement Income Planning

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

Follow Us