About Our Firm Michael Hayes & Associates specializes in Annuities, IRA's, Thrift Savings Plans and 401K Rollovers Annuity - Allows you to accumulate tax-deferred funds for retirement and receive a guaranteed income payable for life or for a specified period of time.We assist our clients with determining the right annuity for their specific needs and retirement goals. There are several types of annuities to choose from:Immediate AnnuityFixed AnnuityEquity IndexedVariable AnnuityIRA - An IRA is an Individual Retirement Account. An IRA is a personal savings plan that provides income tax advantages to individuals saving money for retirement purposes.401K Plan - An employer-sponsored qualified retirement savings plan. It allows you to save for your retirement while deferring any immediate income taxes.We can also assist you with other financial services such as:Life Insurance - We offer term and permanent policies. We assist you in determining how much insurance you need as well as what type of insurance is best for you and your family.Long Term Care - Coverage that, under specified conditions, provides skilled nursing, intermediate care, or custodial care for a patient (generally over age 65) in a nursing facility or his or her residence following an injury.Group Health Insurance- Health insurance written on a number of people under a single master policy, issued to their employer or to an association with which they are affiliated.Disability Insurance - An insurance policy designed to pay a specified monthly income to the policyholder in the event that he/she becomes either temporarily or permanently incapable of working.Business Insurance - A policy which primarily provides coverage of benefits to a business as contrasted to an individual. It is issued to indemnify a business for the loss of services of a key employee or a partner who becomes disabled.Substandard Life Insurance - A policy which provides coverage for individuals with impaired risk.