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Our Qualifications

We have been working with individuals and businesses in this area for several years.

We bring our extensive personal and professional experience to the table in every client interaction. As an insurance professional, Joel Hays can assist clients in protecting what that which they value most.

As a Registered Representatives with SM&R*, Joel Hays can offer investment products to help clients address long-term financial goals.

We are dedicated to developing lasting relationships with all of our clients. We believe in helping you define your financial goals and we are committed to working with you to meet them.

Registered Representatives of and securities offered through Securities Management & Research, Inc. (SM&R) 701 Tama St., Bldg. B Marion, IA 52302-0609 Member FINRA, SIPC, Distinct Financial Solutions and the American National Family of Companies are independent of SM&R. Securities products are offered by prospectus only, involve investment risks, are subject to market flucuations and the possible loss of principal.

Distinct Financial Solutions and Joel Hays are licensed to sell insurance products in the following states: TX

Registered representative of and securities offered through Securities Management & Research, Inc. Member FINRA/SIPC.

Tax issues that may be discussed are subject to change and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.