Retirement Advisors

Business Consultants

Estate & Income Tax Planning

Certified Public Accountants
Craig L. Hayward
President 


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 MISSION STATEMENT:
Hayward & Associates is committed to assisting families and businesses meet financial independence.

Our goal is to help you achieve your personal financial objectives through increased savings, the reduction of taxes, diversification of assets and minimization of risk.


Highlights of Hayward & Associates

  • Complete retirement planning and counseling
  • Estate planning and minimizing estate tax
  • Maximize net worth through creative tax saving strategies
  • Complete accounting and tax needs with emphasis on planning

"As a practicing attorney, I have worked with numerous business
clients with Craig and found him creative, intelligent, caring,
and extremely effective in building net worth for business owners."

-John H. Brown, attorney and author of How to Run Your Business so You Can Leave it in Style.


Craig L. Hayward of Hayward & Associates, has over 25 years experience with assets like yours. He helps you select the right portfolio for your assets and keeps you informed about the results. Craig is readily available for personal meetings to review your portfolio and answer any questions. Craig and his associates can help you determine the best financial solutions to meet your business or individual needs.

Through the years, Craig has made the following observations:

  • People generally do not know their rate of return on their portfolio. The typical brokerage statement does not report this important detail. Clients simply believe that if the portfolio has grown in value, then the rate is good. It is difficult to quantify financial independence: therefore clients do not know the rate of return needed after taxes and inflation, to achieve their goals. Hayward & Associates provides their clients with the assistance to determine the rate of return needed to achieve their goals, as well as implementing strategies to enhance their rate of return.
  • Individuals do not understand the level of risk they are taking in their investment portfolio. Hayward & Associates quantifies the level of risk and compares the rate of return achieved with the level of risk taken.
  • Generally, people are hurried and out of time and have difficulty balancing family, career and personal enjoyment. Therefore, they have little, if any, time for planning their financial future. Let Hayward & Associates do that work to free up your time.

Hayward & Associates is noted for their long history with clients in mapping their financial lives and eliminating financial surprises. They are unique in providing fresh perspectives because they give advice as if they were walking in your shoes. The strategies are creative and implemented in a proactive and timely manner.

Hayward & Associates promises prompt personal attention to fulfill your retirement, accounting and financial needs. They believe in valued and trusted financial counseling.

Your success is our success. 

Take advantage of these opportunities:

 ESTATE PLANNING

If you die tomorrow, is your estate protected for your family?

What arrangements have you made for reducing death taxes and the orderly distribution of your assets upon death?
 RETIREMENT PLANNING

Will you be able to retire?

Do you have a program to maintain your accustomed standard of living at retirement?

Planning for a comfortable retirement means realistically calculating how far today's savings will go in the future. Hayward & Associates can help you determine this.
 INVESTMENT PLANNING

Are your assets allocated according to your goals and objectives?

Is there enough money for your children's college education? What arrangements have you made to protect your assets in the event of death, disability or catastrophic illness? Your investments must be consistent with your tolerance for risk as well as desired level of return.

What is the rate of return on your portfolio?
This rate of return should be compared to the level of risk taken.
 BUSINESS PLANNING

Are your children, employees, and/or third parties protected as the values of your business change?

Plans need to be in place for business continuation and personal and employee benefits.

Do you have a realistic exit strategy for your business?
 TAX PLANNING

Are you taking advantage of the recent capital gains tax reduction?

The maximum capital gains rate on most investments dropped from 28% to 20%. For taxpayers in the 15% tax bracket, the top rate on capital gains is now 10 %.

To request information regarding Hayward & Associates,
please fill in the request form and a Hayward & Associate
advisor will respond to your request promptly.

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Please send information regarding the below checked investment services:

Estate Planning

Retirement Planning

Business Planning

Tax Planning

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Hayward & Associates

1650 38th Street, Suite 101W, Boulder, CO 80301

Telephone: (303) 440.4711

Fax: (303)449.4908

Email: craighayward@ worldnet.att.net

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