Today's Guide to Retirement Planning

About the Book

Today, there certainly are some people who still embrace the traditional retirement view. Once they put in their thirty-five years with the company and get the gold watch, they want to do a little more than play golf and chill out. They have reached the finish line, and they’re done. There’s nothing wrong with that mind-set, but we’ve found over the years that our clients who “retire to” rather than “retire from” tend to find more fulfillment in their golden years.

About the Author

David Hays is the founder, president and senior consultant of Comprehensive Financial Consultants, Inc. (CFC). His firm was chartered to deliver financial planning and investment advice to individuals, businesses, retirement plans and not-for-profit organizations in 1994. In 2003, Comprehensive Financial Consultants Institutional (CFCI) was formed. CFCI is an SEC Registered Investment Advisor. The staff of CFC and CFCI includes five financial consultants, a fixed-income portfolio manager, an equity portfolio manager, an insurance consultant, an operations manager, a marketing assistant, and four administrative assistants. David is co-author of “Today’s Guide to Retirement Planning.” He hosts the weekly radio show “Your Money with David Hays” on AM1370 WGCL and News-Talk 96.1 FM out of Bloomington, Indiana. He has taught retirement planning courses through Indiana University School of Continuing Studies and Ivy Tech Community College. David serves as a U.S. Congressional Advisor on the topics of Medicare, taxes, and retirement planning issues. He has been a guest speaker for a variety of local and national organizations, discussing economic and investment trends. David has assisted with and been quoted in several newspapers and magazines, including The Wall Street Journal and Kiplinger’s Personal Finance magazine. He also spoke at the Harvard Faculty Club in 2016 on getting America retirement ready. David attended Greenville College in 1988, where he played football. He then transferred to Indiana University in 1989 and finished his education at The Indiana University School of Business in December of 1993, with a concentration in accounting. He continues being educated in the area of tax and retirement planning, by being a member of the Ed Slott Elite IRA Advisor Group. David was given the 2018 Miracle Maker Award from the Children's Organ Transplant Association (COTA), he's a proud board member of both the Boys & Girls Club of Bloomington as well as Monroe County CASA (Court Appointed Special Advocates). David and his wife, Misti, have been married since 1993 and have one son, William. Doug Hughes joined the Comprehensive Financial Consultants Team in July 2003 and is the Vice President of Comprehensive Financial Consultants and an investment consultant. Doug's primary responsibility is overseeing client accounts and helping to shape their savings for the future. A big believer in creating financial freedom for oneself, he concentrates on creating this for his clients so they can feel confident in their financial situation. Doug prides himself on being available to his clients and aims to provide premier service regardless of their wealth. To that end, he will make sure he is informed about a client's investments and will often take part in several continuing education courses offered throughout the year to stay up-to-date on industry trends. A strong believer in the power of education, Hughes co-hosts classes at Ivy Tech Community that are geared towards financial readiness for retirement. These classes simplify complex concepts so that the average person preparing to retire can fully understand their options. He was also a visiting lecturer at Indiana University’s School of Public and Environmental Affairs, teaching courses on personal finances. A native of Bloomington, Indiana, Doug Hughes received his Bachelor’s degree in Theology from Indiana Bible College. After graduation, Doug began working in the financial services industry. His first two years were served as an office administrator, and then he began working as an investment broker. Doug continues educating team members at several local organizations, businesses and non-profit groups, including Baxter Pharmaceuticals, Duke Energy, IU Continuing Studies and the Girl Scouts of America. Doug has been, and continues to be, heavily involved with a local affiliate of Business Network International, since joining in 2001. Hughes is married to his wife Terri, with whom he shares one child, Daniel, born in 2004. Together they are members of the Family Life Worship Center where Doug also volunteers by providing financial education seminars to the congregation. In his free time, Doug is an avid fisherman and reader, enjoys traveling on cruises with his wife, Terri, and frequents art galleries and museums both locally and during his travels.