Samm E. Hayes - Creating Financial Freedom

As we start the new year, I want to express my appreciation and gratitude for the people who had a hand in making 2025 such an amazing year.

Personally, I had the pleasure of:
* Marrying my best friend
* Becoming a father
* Learning how to balance life, work, and relationships on very limited sleep 🤣

With my business, I had the opportunity to:
• Onboard 40 new client relationships
• Almost doubled my assets under management
• Expand support with estate planning coordination, budgeting guidance, and enhanced planning capabilities

My focus remains on providing thoughtful advice, clear planning, and long-term support for the families I serve.

Thank you to everyone who made 2025 a meaningful year. Looking forward to continuing the work in 2026.

STEP 4: Review Life & Disability Coverage

If something unexpected happened tomorrow, would your family’s plan still work?

Life and disability insurance aren’t about predicting the worst — they’re about protecting the life you’re building.

As you wrap up the year, take time to review:

✅ Life insurance: Does your coverage still match your income, debts, and growing family needs?

✅ Disability insurance: Could your household cash flow survive if your paycheck stopped?

✅ Employer benefits vs. personal coverage: Are you relying too heavily on work-provided plans?

✅ Beneficiaries & ownership: Are policies structured correctly with your overall plan?

The end of the year is the perfect time to stress-test these protections and make sure they
still align with your family’s goals — not just last year’s assumptions.

This step isn’t about buying more — it’s about making sure what you have actually works.

(Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. Investing involves risk which includes potential loss of principal.)