David Hyden, CF2

About David Hyden

David Hyden, having worked with hundreds of clients since his start in the financial services industry in 1986, has seen firsthand how the vast majority of Americans lack financial literacy and Retirement Planning skills, especially with regard to the Distribution Phase of retirement.
As more and more companies have moved away from offering Defined Benefit Retirement Plans (Pensions) and replaced with Defined Contribution Retirement Plans (401k’s) this has shifted the burden of informed financial decision making from the employer and Plan Manager to those least qualified to make those decisions, the employee.
Accumulation of assets over a lifetime is complicated. Even more complex is Decumulation, or the Distribution of those assets. In the Distribution Phase one must consider many factors, including Longevity, Taxes, Social Security, Market Risk, Inflation, Survivorship and the rising cost of Healthcare and Long-Term Care.
These are the areas where David has focused his expertise, education, and credentials. In addition to extensive training and study he currently holds Certified Financial Fiduciary® (CFF®) and National Social Security Adviser® (NSSA®) designations and is an Authorized College Funding Adviser.
He brings a passion for helping people identify, achieve and protect their retirement lifestyle dreams. As a CFF® professional, David has completed extensive training and experience requirements and is held to the highest moral, ethical and professional standards in the financial services industry. He understands the complexities of the changing financial climate and will always make recommendations that are in his client’s best interests.
David has lived in the McKinney area since 1996. He is married to Valerie Hyden and has 3 grown children. When he is not working, David enjoys spending time with family and friends, and plays bass part time for his church worship team.