Joe Hays

03/19/2026

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03/17/2026

Click below to get my Free 2026 Guide to Understanding Annuities:

03/13/2026

𝗜’𝗺 𝗻𝗼𝘁 𝗸𝗶𝗱𝗱𝗶𝗻𝗴 𝘄𝗵𝗲𝗻 𝗜 𝘀𝗮𝘆 𝘁𝗵𝗶𝘀 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽 𝗺𝗮𝗸𝗲 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗖𝗥𝗔𝗦𝗛 𝗣𝗥𝗢𝗢𝗙.

In retirement, you shouldn’t have to worry every time you hear news about rising oil prices, war in the Middle East, or volatility in the stock market.

With the recent market volatility, I thought it would be a good time to revisit those ideas. An annuity can provide benefits like these:

𝗔. 𝗣𝗿𝗶𝗻𝗰𝗶𝗽𝗮𝗹 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻: Your original investment is protected from market losses, so even if the market drops, your account value doesn’t go backward.
𝗕. 𝗕𝗮𝗹𝗮𝗻𝗰𝗲𝗱 𝗚𝗿𝗼𝘄𝘁𝗵 𝗣𝗼𝘁𝗲𝗻𝘁𝗶𝗮𝗹: Interest is linked to an index such as the S&P 500, allowing you to benefit from market gains without taking market losses.
𝗖. 𝗖𝗼𝗻𝘀𝗶𝘀𝘁𝗲𝗻𝘁 𝗟𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗜𝗻𝗰𝗼𝗺𝗲: You can convert the annuity into guaranteed income payments that can last for the rest of your life.
Predictable income and protection can make a big difference in retirement.

Instead of worrying about market swings, you can focus on enjoying the years ahead. 𝟴𝟱𝟲-𝟱𝟳𝟳-𝟴𝟳𝟱𝟲 📅 Set A Meeting With This Link: https://calendly.com/joe-hays/zoom-meeting

03/13/2026

𝗜’𝗺 𝗻𝗼𝘁 𝗸𝗶𝗱𝗱𝗶𝗻𝗴 𝘄𝗵𝗲𝗻 𝗜 𝘀𝗮𝘆 𝘁𝗵𝗶𝘀 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽 𝗺𝗮𝗸𝗲 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗖𝗥𝗔𝗦𝗛 𝗣𝗥𝗢𝗢𝗙.
In retirement, you shouldn’t have to worry every time you hear news about rising oil prices, war in the Middle East, or volatility in the stock market.
With the recent market volatility, I thought it would be a good time to revisit those ideas. An annuity can provide benefits like these:
𝗔. 𝗣𝗿𝗶𝗻𝗰𝗶𝗽𝗮𝗹 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻: Your original investment is protected from market losses, so even if the market drops, your account value doesn’t go backward.
𝗕. 𝗕𝗮𝗹𝗮𝗻𝗰𝗲𝗱 𝗚𝗿𝗼𝘄𝘁𝗵 𝗣𝗼𝘁𝗲𝗻𝘁𝗶𝗮𝗹: Interest is linked to an index such as the S&P 500, allowing you to benefit from market gains without taking market losses.
𝗖. 𝗖𝗼𝗻𝘀𝗶𝘀𝘁𝗲𝗻𝘁 𝗟𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗜𝗻𝗰𝗼𝗺𝗲: You can convert the annuity into guaranteed income payments that can last for the rest of your life.
Predictable income and protection can make a big difference in retirement. Instead of worrying about market swings, you can focus on enjoying the years ahead. 𝟴𝟱𝟲-𝟱𝟳𝟳-𝟴𝟳𝟱𝟲 📅 Set A Meeting With This Link: https://calendly.com/joe-hays/zoom-meeting

03/03/2026

Click the link below to search which annuity is best for you:

My name is Joseph Hays, a licensed insurance agent with years of experience in bringing you the most suitable options available. My goal is to find the right annuity for you now, so you can worry less about your retirement. Explore best annuity options today!

02/26/2026

𝐌𝐚𝐫𝐤𝐞𝐭𝐬 𝐠𝐨 𝐮𝐩. 𝐌𝐚𝐫𝐤𝐞𝐭𝐬 𝐠𝐨 𝐝𝐨𝐰𝐧. 📈📉
𝐘𝐨𝐮𝐫 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐢𝐧𝐜𝐨𝐦𝐞 𝐬𝐡𝐨𝐮𝐥𝐝𝐧’𝐭.

In retirement, the real concern isn’t day-to-day market swings.

It’s whether your income shows up every month no matter what the market is doing.
Stock portfolios can lose value during downturns.

A properly structured income plan is built to keep paying you.

That’s why many retirees look at income-focused strategies designed to provide consistency and peace of mind.
If you’re retired or getting close and want to make sure your income is built to last, I can help.
📞 Call or text 𝟖𝟓𝟔-𝟓𝟕𝟕-𝟖𝟕𝟓𝟔
Let’s have a simple conversation about your retirement income.

10/27/2025

💡 𝐓𝐡𝐞 𝐑𝐮𝐥𝐞𝐬 𝐨𝐟 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐇𝐚𝐯𝐞 𝐂𝐡𝐚𝐧𝐠𝐞𝐝
The old advice to “just save more” doesn’t fit today’s economy.
Goldman Sachs just released their 𝟐𝟎𝟐𝟓 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐒𝐮𝐫𝐯𝐞𝐲 & 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬 𝐑𝐞𝐩𝐨𝐫𝐭, and it highlights how rising costs and longer lifespans are changing the way Americans prepare for retirement.

One powerful takeaway: 𝐠𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐝 𝐥𝐢𝐟𝐞𝐭𝐢𝐦𝐞 𝐢𝐧𝐜𝐨𝐦𝐞 𝐭𝐡𝐫𝐨𝐮𝐠𝐡 𝐚𝐧𝐧𝐮𝐢𝐭𝐢𝐞𝐬 can create income you can’t outlive.

📄 Read the full report here:

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07/01/2025

A Client Asked: Should I Sell All My Stocks?

A client recently asked me if they should take all of their assets out of the stock market. In this video, I share my take on why it usually makes sense to k...

05/16/2025

This is what retirement should look like.
Not stress. Not confusion. Not constantly checking your accounts wondering if it’ll last.
My job is to help people create peace of mind in their retirement years—income they can’t outlive, protection from market drops, and a strategy that lets them sleep well.

But here’s the thing: we meet with a lot of folks who want ‘free info’ but aren’t ready to commit to a plan. That’s OK—but if you’re seriously ready to take control of your retirement, we are here for you.
💬 Curious what your plan might look like? Drop a 👍 or send a DM. We’re not for everyone, but we may be right for you.

05/14/2025

Still holding on to an older annuity? It might be time to take another look.

Today’s interest rate environment has changed the game. Many new annuities are offering significantly higher returns compared to those issued years ago. On top of that, recent product designs often include added benefits—like income bonuses, enhanced death benefits, or more flexible withdrawal options.

If your current annuity is only giving you 3–4% and locking up your money without much upside, you could be missing out on what newer options offer.

Don’t retire on outdated math. A quick review might show you there’s a better path forward. 856-577-8756