Ginger Hayes, Accredited Financial Counselor (AFC)


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Estate Planning
Estate planning may sound like a boring task that only applies to the very wealthy. Not true.
Explaining Trusts
Does setting up a trust makes good legal and financial sense for you and your family?

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The Death of Invincibility
"I realized ... bullets can kill, and no matter what nametapes adorn your uniform, no one is immune from the effects of war."
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