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

The ABLE Account Under the Tax Cuts and Jobs Act

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

The Blended Retirement System: An Opportunity for Advisors

Advising Attorneys-in-Fact About Retirement Health Care

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.

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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.

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Topics: Retirement Income Planning

The Blended Retirement System: An Opportunity for Advisors

Posted by Anna Hays

May 1, 2018 at 10:00 AM

On January 1, 2018, the Uniformed Services Blended Retirement System (BRS) was established. This program marks the first change to the U.S. retirement system in 70 years—and an unprecedented opportunity for financial advisors to help generations of service members. The BRS is separate and distinct from the military’s traditional legacy pension, although it does not end the legacy pension for those with more than 12 years of service. It does, however, create a significant choice for current service members with fewer than 12 years of service and starts an era of retirement planning for new service members. Here, we’ll take a deep dive into the BRS, including the unique planning opportunity it presents for you.

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Topics: Retirement Income Planning

Advising Attorneys-in-Fact About Retirement Health Care

Posted by Anna Hays

February 21, 2018 at 1:30 PM

As a financial professional, you routinely ask clients for their estate planning documents. You also factor health care expenses into your retired clients’ financial plans. But have you thought about advising attorneys-in-fact about retirement health care? If you have Gen X and younger boomer clients with aging parents, or if you advise different generations of the same family, you might consider adding this service to your menu.

To help you decide if this path might be right for you, let me introduce you to your new (fictional) client, Zak, who is an attorney-in-fact for his aging parents.

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Topics: Retirement Income Planning

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