Haley Hazem, Wealth Advisor

10/14/2026

✨Tax efficiency is always a big topic✨

401(k)s and 403(b)s typically default to pre-tax retirement savings. What does that mean for you in retirement?

Have you thought about RMDs, IRMAA, or potential tax bracket increases?

Here’s a great read on options, strategies, and ideas on being more tax efficient. Most of my clientele are in the education field, so it is written to them specifically, but has great tips for all!

Tax-efficient retirement income for college professors: understand 403(b), 401(a), 457(b), RMDs, Roth accounts, consulting income, and state taxes.

10/05/2026

Is the stock market getting a little… expensive? 👀

By some historical measures, valuations are elevated. And historically, that can increase the possibility of a correction.

But here’s the important part…

Corrections are normal. They happen, they can be uncomfortable, and historically, markets have recovered from them over time.

So instead of trying to predict the next drop, make sure your portfolio is built to handle one.

09/28/2026

✨Could be for you, but you procrastinating✨

🤣🤣

09/23/2026

✨What if you could participate in market-linked growth potential without taking the full impact of a market correction?✨

That’s one reason some people consider a Fixed Indexed Annuity (FIA) as part of their retirement strategy.

Depending on the contract, an FIA may offer:

📈 Growth potential — interest can be credited based in part on the performance of a market index.

🛡️ A floor on index-linked losses — certain FIA designs have a 0% floor for index-linked interest, meaning a negative index return may result in no negative interest being credited for that crediting period.

⚠️ But there are trade-offs. You generally don’t receive the full upside of the index, and caps, participation rates, spreads, surrender charges, contract terms, and insurer claims-paying ability can affect the outcome.

The goal isn’t to eliminate risk — it’s to structure risk differently.

For someone approaching or in retirement, understanding how different strategies behave in both rising AND declining markets can be an important part of the conversation.

*This is for educational purposes only and is not individualized investment advice. Guarantees are based on the claims-paying ability of the issuing insurance company. FIA crediting methods, fees, charges, surrender provisions, caps, participation rates, and other limitations vary by contract. A FIA is not a direct investment in an index and does not participate directly in market gains or losses.*

09/21/2026

Hello, Lawrence!

In person meetings today for KU and Emporia State employees ☺️

09/19/2026

✨ Feeling nervous about market volatility? You’re not alone. ✨

Some 5-year fixed annuity options are currently offering rates around 5.75%.*

For someone looking for a portion of their portfolio with a more predictable return, a fixed annuity can provide a way to earn a stated interest rate without direct exposure to stock-market fluctuations during the fixed-rate period.

That doesn’t automatically make an annuity right for everyone. Liquidity, surrender charges, insurer financial strength, taxes, and contract terms all matter.

The right question isn’t just, “What’s the rate?”

It’s: “Does this fit my overall financial plan and goals?”

*Rates vary by insurance company, product, state, contract terms, and time of purchase. The stated rate is not a guarantee of future rates or investment performance. Guarantees are backed by the claims-paying ability of the issuing insurance company. This is for educational purposes only and is not individualized investment advice.

09/10/2026

On campus meetings at K-State today!

Nothing beats meeting clients at a local coffee shop and discussing the next step in their life/career.

09/08/2026

✨REVIEWS✨

Checking to see if your current retirement portfolio is in sync with your retirement age, risk tolerance, and needs is very important.

My own husband (love you, Poula), was wondering why his 401(k) wasn’t really growing back in 2019. I checked his investments, and he was invested like he was retiring in 2020! That’s a BIG deal. There was no growth.

This small detail can derail your plan. What if you were retiring next year and are too aggressive and the market takes a dip?! We don’t want another 2008-2009 scenario. Advisors can help hedge against those risks.

Happy to review your investments and make sure they are in line with your goals!

~Your Favorite Advisor, Haley ☺️

09/07/2026

Quick Hack 🤣✨

08/26/2026

In honor of Dolly Parton…

Let’s all read a book this week! ♥️♥️