A Disciplined and Personalized Approach to Protecting and Building Your Wealth
We manage your money so that you don't have to. We have unique access to some of the best portfolio managers in the world and your money is invested in their mutual funds, in accordance with your financial goals.
When you trust us to manage your money, our promise to you is twofold. First, we will always aim to protect your money, rather than chase returns. Second, your money will never be invested in anything outside of great mutual funds run by excellent managers.
HOW WE INVEST YOUR MONEY
At Kevin Hayes Financial Services, we combine deep market insights and access to great mutual fund managers with personalized strategies to help you preserve and grow your wealth. Our disciplined investment management philosophy focuses on four key pillars.
We decide, together, where you want to be in the future, then chart a confident, long-term course to get there.
Define Your Goals
They routinely buy shares in businesses for less than their true value. They always seek to protect your money and are not afraid to look different from the crowd.
Invest in Great Managers
Compounding is a function of time invested and your rate of return. Let the manager maximize returns and keep your money invested, no matter what.
Let Your Money Work For You
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Money is deeply emotional. You pay us to keep you on track. We are here to ensure that your financial goals will become your reality.
We Are Your Guardrail
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WHAT WE ARE NOT
We are not a large financial institution that offers cold and impersonal service. We operate with complete independence, transparency, and integrity. Every recommendation is guided solely by your goals and best interests, not incentives or quotas. We focus on long-term value, thoughtful planning, and building trusted relationships—not short-term transactions.
We are not speculators. We will never invest your wealth in individual stocks, ETFs, Crypto Currency or alternative asset classes. Why? The simple explanation is, you do not need them. If you are invested with a great mutual fund manager, who owns a concentrated portfolio of great businesses, you will reach your financial goals over time.
We are not free. Read our note about fees below to learn more.
A NOTE ABOUT OUR FEES
Our fee is on average around one percent per year. The mutual fund where your money is invested also charges around one percent per year. In total, your fees will on average be two percent per year. In return, we offer a premium service, clarity, peace of mind, and long-term results. By partnering with us, we believe this will be the best money you ever spend. Below are some of the reasons why you should be okay with fees, after all, the right advice pays for itself many times over.
1
Professional Management Protects You From Costly Mistakes
Successful investing isn't about reacting to headlines or trying to time the market. It’s about discipline, structure, and long-term strategy. We help you avoid the emotional decisions — panic selling, chasing trends, or abandoning a plan — that historically cost investors far more than 2% per year.
2
A Personalized Investment Strategy
You’re not getting a generic portfolio. Your investments are carefully selected based on your goals, risk tolerance, time horizon, and tax situation. A properly constructed and rebalanced portfolio can add meaningful long-term value compared to a do-it-yourself approach.
3
Tax Efficiency & Retirement Planning That Can Save Thousands
Thoughtful tax planning, income strategy, and withdrawal guidance can significantly improve long-term outcomes.
The right mix of accounts (RRSP, TFSA, non-registered) and smart tax-aware decisions often pay for the advisory fee many times over.
4
Ongoing Monitoring & Adjustments
Markets change. Your life changes.
We continually review your portfolio, rebalance when needed, and make sure your plan stays on track — so you don’t have to manage any of this on your own.
5
A Trusted Partner Who Knows Your Financial Life
With over 30 years of advisory experience, our role goes beyond investment selection. We are your financial sounding board, your guide, and your advocate through every stage of your financial life.
6
Peace of Mind
Most clients tell us the same thing: the biggest benefit isn't the investments — it’s the clarity and confidence that comes from knowing a professional is looking out for them. Better sleep, less stress, and a clear plan have value that can’t be measured.
Building a secure financial future starts with a plan. Whether you’re saving for retirement, managing debt, or investing for your family’s goals, having a trusted financial advisor helps you avoid costly mistakes and stay on track toward success. We offer this service as Certified Financial Planners.
FINANCIAL PLANNING
Lack of Confidence in Retirement
A significant portion of Canadians lack confidence in their retirement readiness. A 2023 TD survey revealed that 43% of Canadians are not confident they will be able to retire when they initially planned.
Absence of Financial Plans
Approximately 54% of Canadians have not established a personalized financial plan tailored to their goals. Among those without a plan, nearly 40% would feel more confident in their ability to meet their financial goals if they had one.
Retirement Savings Deficits
The 2024 Canadian Retirement Survey indicates that 39% of Canadians aged 55-64 have less than $5,000 in savings, and 73% have $100,000 or less.
