Life Coach. Financial Coach. Life Insurance Broker
HYMES FINANCIAL SERVICES
HYMES FINANCIAL SERVICES (HFS)
HFS is your trusted partner in building generational wealth, financial security, and purpose-driven prosperity. We offer comprehensive financial solutions tailored to individuals, families, and businesses. Our team of experts will help you analyze your business processes, identify areas for improvement, and develop strategies to achieve your personal and business goals.
At HYMES Financial Services, our mission is to empower you to live abundantly, steward wealth wisely, and walk confidently in your purpose. Our Services Include the following:
Financial Planning & Financial Coaching
Financial Planning & Coaching to help you clarify your financial goals and map out a strategic plan for long-term success.
Insurance Planning & Life Insurance Services
Our Life Insurance Brokage Service is designed to find you the best fit insurance policy to meet your budget. We aim to protect your income, assets, and loved ones—while also helping you accumulate wealth, generate tax-advantaged retirement income, and create your own personal bank using properly structured permanent whole life polices (with living benefits) Indexed Universal Life polices (IUL) policies with living benefits; in addition to convertible term polices.
Retirement Planning
We offer Retirement Planning services to help you prepare for the future with confidence—while generating tax-free pension-style retirement income streams
Estate Planning
We work with top Estate Planning attorneys to offer Trust & Will Services to ensure your legacy is preserved and transferred with intention.
Succession Planning Services
At HYMES Financial Services, we help business owners secure the future of their companies through comprehensive and tax-efficient succession planning strategies. Whether you're preparing for retirement, planning for the unexpected, or looking to attract and retain key talent, our solutions are designed to protect your business legacy and financial interests. Our Succession Planning Services include:
- Buy-Sell Agreements
Legally binding contracts that outline how ownership will be transferred if an owner exits due to retirement, death, or disability. We help structure and fund buy-sell agreements to ensure a smooth transition and fair valuation using life insurance or other financial tools.
- Key Person Insurance Plans
Life or disability insurance policies purchased by the business on vital employees or owners whose loss would significantly impact the company. These plans provide immediate liquidity and business continuity support during a time of loss or transition.
- Split Dollar Plans
An arrangement between an employer and employee (or business partners) to "split" the premium payments and benefits of a life insurance policy. This is a powerful tool for executive retention and wealth transfer while keeping costs low for each party.
- Executive Bonus Plans (Section 162 Plans)
A tax-advantaged strategy where a business provides life insurance benefits to key employees as a bonus. The premiums are tax-deductible to the business and serve as a valuable incentive and retention tool for top talent.
- Premium Financing
For high-net-worth individuals and business owners, premium financing allows you to borrow funds to pay large life insurance premiums, preserving your cash flow while still leveraging advanced insurance strategies for wealth accumulation, estate planning, and business protection.
- Irrevocable Life Insurance Trusts (ILITs)
A legal trust that owns life insurance policies outside of your estate to reduce estate taxes and protect beneficiaries. ILITs are a key part of estate and succession planning for those who want to pass on wealth while maintaining control over how it's distributed.
With our expert guidance, you'll have the tools and strategies needed to protect your company, maximize value, and ensure your legacy continues with confidence. Let HYMES Financial Services help you build a smart exit plan that benefits both your business and your family.
Business Consulting Services
We offer Business Consulting & Management Services to support entrepreneurs and small business owners in building sustainable, scalable enterprises.
- Side-Business Setup & Management Services designed to help working professionals create additional streams of income without sacrificing their 9–5
- Employee Benefits & Supplemental Insurance Services to help organizations enhance their workforce retention and financial wellness offerings
- Succession Planning Services
- Tax Planning, Bookkeeping & Accounting Services (in collaboration with our trusted sister company) to ensure your finances are optimized, organized, and compliant
Our Disclaimer:
The content within this website is for informational and educational purposes only and does not constitute legal, tax or investment advice. We provide financial education for entertainment purposes only. Tax, CFP, and/or legal advice are not offered by Dr. Amy Hymes, HNA Management Solutions, Inc., Life & Annuity Wealth Systems (LAWS), The Alliance Group, any insurance carrier displayed, or their affiliated companies. Website visitors and video content consumers, please consult your own personal tax professional or legal advisor for further guidance on tax or legal matters regarding your own situation. Please note that insurance products and any related guarantees are backed by the claims paying ability of an insurance company. Insurance policy applications are vetted through an underwriting process set forth by the issuing insurance company. Some applications may not be accepted based upon adverse underwriting results. Some types of permanent insurance may require consistent premium payments, or the policy may risk lapsing. Unpaid policy loans decrease future death benefits paid to beneficiaries. Excessive policy loans may cause the need for future premium payments. If a contract lapses due to excessive policy loans or if a customer chose to surrender their policy, one may be subject to tax payments for policy loans that exceeds the premiums paid. Excessive premium payments may cause the policy to become a modified endowment contract. Policies classified as modified endowment contracts may be subject to tax when a loan or withdrawal is made.
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