2025 The Final Drive

About the Book

2025, The Final Drive is a metaphor from my football playing and coaching days. It is an attempt to emphasize the importance of the last chance, time is ticking, or now is the time to go! As you read through this book you will see we have a real opportunity in front of us. In 2025 the current tax cuts that were passed in 2017 expire and we at a minimum return to the rates before or rates go much higher. In this book I will discuss the Big Three retirement risks and how to deal with them. Getting out of the way of higher taxes is No 1. Avoiding retiring into a bad market is No. 2. And, pulling it together, dealing with the biggest risk of all, longevity risk, is No. 3. So, take your time, soak in the information you’re about to read, and then act!

About the Author

David Hays is the Founder, President, and Senior Consultant of Comprehensive Financial Consultants, Inc (CFC). His firm was charted to deliver financial planning and investment advice to individuals, businesses, retirement plans, and non-for-profit organizations in 1994. In 2003, Comprehensive Financial Consultants Institutional (CFCI) was formed. CFCI is an SEC Registered Investment Advisor. The staff of CFC and CFCI includes five financial consultants, a fixed-income portfolio manager, an equity portfolio manager, an insurance consultant, an operations manager, a marketing assistant, and four administrative assistants. David is a co-author of Today’s Guide to Retirement Planning. He hosts the weekly radio show, “Your Money with David Hays” on AM10370, FM 98.7 out of Bloomington, Indiana. He has taught retirement planning courses through Indiana University School of Continuing Studies and Ivy Tech Community College. David serves as a U.S. Congressional Advisor on the topics of Medicare, taxes, and retirement planning issues. He has been a guest speaker for a variety of local and national organizations, discussing economic and investment trends. David has assisted with and been quoted in several newspapers and magazines, including The Wall Street Journal and Kiplinger’s Personal Finance magazine. He also spoke at the Harvard Faculty Club in 2016 on getting America retirement ready. David attended Greenville College in 1988, where he played football. He then transferred to Indiana University in 1989 and finished his education at the Indiana University School of Business in December of 1993, with a concentration in accounting. He continues being educated in the area of tax and retirement planning, be being a member of the Ed Slott Elite IRA Advisor Group. David was given the 2018 Miracle Maker Award from the Children’ Organ Transplant Association (COTA), he’s a proud board member of both the Boys and Girls Club of Bloomington as well as Monroe County CASA (Court Appointed Special Advocates). David and his wife, Misti, have been married since 1993 and have one son, William.