Rob Hayes, Financial Advisor

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Rob Hayes, Financial Advisor Financial Advisor working with individuals and businesses, creating sound, long-term financial plans. Securities offered through Silver Oak Securities, Inc.

(SOSI) Member: FINRA, SIPC. Investment Advisory services offered through Bright Futures Wealth Management, LLC., an SEC-registered Investment Adviser firm. Hayes Financial Group is not affiliated with Bright Futures Wealth Management LLC or SOSI. Any opinions expressed in this forum are not the opinion or view of Bright Futures Wealth Management, LLC or SOSI, and have not been reviewed by the firm for completeness or accuracy. These opinions are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgement prior to investing. Investments are not guaranteed, involve risk and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors.

Are you saving for retirement? If you’re a small business owner, setting up your retirement vehicle may seem like a daun...
10/14/2026

Are you saving for retirement? If you’re a small business owner, setting up your retirement vehicle may seem like a daunting task. Read more to learn about your choices for managing savings for retirement today.

Help small businesses make better retirement decisions for employees with this eye-catching and informative infographic.

Bedtime Story: U.S. Federal Tax Code. How many pages have you read?
10/12/2026

Bedtime Story: U.S. Federal Tax Code. How many pages have you read?

An inside look at how marginal income tax brackets work.

A home warranty may make sense, but you need to set proper expectations.
10/09/2026

A home warranty may make sense, but you need to set proper expectations.

Understanding the value of a home warranty.

Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jo...
10/08/2026

Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jones Industrial Average slipped 2.70%. Halloween is next on the calendar, with U.S. consumers expected to spend \$13.5 billion USD this year and 6.26 million Canadian children in their trick-or-treating years.

Quarterly Market Insights | October 2026 U.S. and Canadian Markets Stocks were mixed in the third quarter as economic, geopolitical, and corporate earnings news pushed the broad market higher while weighing on the Dow Industrials. The Standard & Poor’s 500 Index gained 2.03 percent, while the Nasd...

Women face unique challenges when planning for retirement, but it’s nothing you can’t handle. Read more now.
10/07/2026

Women face unique challenges when planning for retirement, but it’s nothing you can’t handle. Read more now.

Learn how to address the challenges that women face when planning for retirement.

Are you ready to solve a credit report crime with John Q. Gumshoe? Grab your magnifying glass and click here to learn mo...
10/05/2026

Are you ready to solve a credit report crime with John Q. Gumshoe? Grab your magnifying glass and click here to learn more.

Solve a mystery while learning how important your credit report is with this story-driven interactive.

Looking for a quick read? Explore the role Money Market Funds may play in your portfolio thanks to this concise article.
10/02/2026

Looking for a quick read? Explore the role Money Market Funds may play in your portfolio thanks to this concise article.

Check out this brief article which explores the role Money Market Funds may play in your portfolio.

If you’re 65 or older, you may need to enroll in Medicare. We’ll help you sort through the basics to determine if you qu...
09/30/2026

If you’re 65 or older, you may need to enroll in Medicare. We’ll help you sort through the basics to determine if you qualify. Read more here:

65 or older? It may be time to enroll in Medicare. Read to learn if you’re eligible.

The financial risks to consider when evaluating self insurance?
09/25/2026

The financial risks to consider when evaluating self insurance?

Choosing to bear the financial burden of an adverse event is called self-insuring. Do you know what that entails?

What did it take to become the richest man in Babylon?
09/23/2026

What did it take to become the richest man in Babylon?

In good times and bad, consistently saving a percentage of your income is a sound financial practice.

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1630 Empire Boulevard
Webster, NY
14580

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+15858806156

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