Hayes Payne

Advisor at Merrill

Updated today

Location

Huntsville, AL 35802

Credentials

Series 66

Industry experience

3 years

About

Hayes Payne is a Financial Advisor with Merrill Lynch Wealth Management, based in Huntsville, Alabama. Since 2021, he has been assisting individuals and families in making informed decisions about their financial futures through personalized planning and investment strategies. Hayes emphasizes a client-centric approach, focusing on aligning financial plans with each client's unique goals and priorities.

In 2023, Hayes earned the Chartered Retirement Planning Counselor™ (CRPC™) designation, complementing his expertise in retirement planning, income strategies, and navigating key financial milestones. He also holds the Personal Investment Advisor (PIA) designation. Hayes works closely with clients, including individuals, families, and business owners, to develop tailored wealth management strategies that address retirement income, tax minimization, legacy planning, and other areas.

Hayes holds a Bachelor's Degree from the University of Alabama. Outside of his professional role, he enjoys activities such as chess, cooking, fishing, football, golfing, hiking, hunting, music, and spending time with his family.

Client services

Based on Merrill

Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops
Performance measurement reports, allocation modeling, ips, research reports and services, see schedule d

Expertise

General retirement planning Retirement income strategy Income planning Wealth management Retirement withdrawal strategies

Occupation focus

Founder/Business Owner

Demographic focus

Based on Merrill

Mid-Career Professionals HENRY (High Earners, Not Rich Yet)

Not sure if this advisor is right for you?

Answer a few questions to see advisors matched to you.

Fee options

Percentage

$0 - $2,000,000: 1.10% (for Managed Strategy with MFSA under $2 million) $2,000,000+: 1.00% (for Managed Strategy with MFSA at and above $2 million)

Other

Account minimum: $2,000,000 minimum to qualify for Premium Access Strategy per SEC data and Merrill brochure context; no other firm-wide minimum clearly stated

Location

4725 Whitesburg Dr Se

Huntsville, AL 35802

Most active in

Alabama · Texas

Work history

Bank of America N.A.

2024 - Present (2 years)

Merrill

2021 - Present (5 years)

Unemployed

2021 - 2021 (1 year)

Moe's Original BBQ

2020 - 2021 (1 year)

JnJ Apparel

2018 - 2019 (1 year)

University of Alabama

2016 - 2021 (5 years)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

user avatar

Brian S

CFA®

Huntsville, AL

Capital Stewards, LLC

Brian Seay is a CFA® charterholder and founder of Capital Stewards, LLC, an independent advisory firm based in Huntsville, Alabama. He has four years of industry experience, including prior roles at Truist Bank and Accenture. Capital Stewards provides portfolio management and financial planning services to individuals, pension and profit-sharing plans, and charitable organizations. The firm uses a combination of fundamental analysis, quantitative methods, and modern portfolio theory to manage client portfolios with discretionary trading authority.

Options & derivatives strategies Private / alternative investments Annuities Concentrated stock management
user avatar

Paul L

Series 65

Huntsville, AL

Lamont Trading Advisors, Inc.

Paul Lamont is the sole advisor at Lamont Trading Advisors, Inc., an independent firm based in Huntsville, Alabama. He holds a Series 65 designation and has 19 years of industry experience. Prior to founding his firm, he spent eight years with Eureka Cattle Company, Inc. Lamont Trading Advisors, Inc. provides discretionary portfolio management and private financial consultation to individuals, corporations, trusts, and pension plans. The firm offers preservation-oriented accounts focused on short-term U.S. Treasury bills and actively managed Bear Market Strategies accounts using complex instruments, employing charting, cyclical, fundamental, and technical analysis to guide investment decisions.

Active portfolio management
user avatar

Kenneth C

ChFC®, Series 63

Huntsville, AL

KG Consulting Group, Inc.

Kenneth Cantley is a financial advisor with KG Consulting Group, Inc. in Huntsville, AL. He holds the ChFC® designation and a Series 63 license and has 10 years of industry experience. Prior to founding KG Consulting Group in 2015, he engaged in general insurance sales on an occasional basis. KG Consulting Group, Inc. provides investment advisory and financial planning services to individuals, corporations, and employee benefit plans. The firm manages approximately $10.8 million across about 15 clients, offering portfolio management, financial planning, and pension consulting, including participant enrollment support and educational seminars.

Retirement income strategy Annuities Wealth management
user avatar

Erik B

Series 65

Huntsville, AL

LifeFirst Wealth, LLC

Erik Buatte is a financial advisor at LifeFirst Wealth, LLC with one year of industry experience. He holds a Series 65 designation and previously worked at Astrion, Longview Financial Advisors, Inc., and ERC, Inc. Outside of his advisory role, he is involved in other employment that occupies a significant portion of his time. LifeFirst Wealth, LLC is an independent firm that provides fee-only financial planning and discretionary portfolio management primarily for individual clients. The firm combines modern portfolio theory with fundamental and technical analysis, using a mix of active and passive investment vehicles focused on asset allocation, tax efficiency, and ongoing monitoring.

Business sale tax planning Debt management Cash flow / budgeting College savings (529s, UTMA, etc.) Retirement income strategy
user avatar

Zeke A

CFP®

Huntsville, AL

Planalto Financial

I’m Zeke Anders, and I founded Planalto Financial to offer a higher level of planning. I’ve always been passionate about investing and personal finance, and I eventually left corporate America to become a financial planner. I am a CFP professional with over five years of formal experience, but I’m an avid learner and student of market history and current research. My goal is to provide evidence-based, objective advice to help clients find fulfillment through their wealth. Financial planning is often about more than just math, it is about utilizing the assets you spent a career accumulating to create meaning and purpose in retirement. Planalto Financial is open to all, but my specialty is working with Brazilian-American families. While I am from Alabama, my wife is from Brazil originally, and we currently live in Brasilia, Brazil with our two daughters. We understand that cross-border families have specific opportunities and challenges such as owning assets in multiple countries, additional tax and reporting requirements, and higher travel and family support budgets. If this sounds like you, Planalto Financial is here to help. Pode contar comigo. Planalto offers flat-fee hourly, planning-only, or comprehensive planning and investment management services. I chose flat-fee services to provide transparency and simplify, whereas assets-under-management fees can be complicated (is it beginning, end, or the average asset values? In advance or in arrears?). In addition, I do not receive commissions for any product sales.

Cross-border / expatriate tax planning Income planning Founder/Business Owner Retired Approaching retirement Retired
user avatar

Raymond S

CFP®, CFA®, Series 63

Huntsville, AL

Saliba Asset Management L.L.C.

Raymond Saliba is the principal of Saliba Asset Management L.L.C. in Huntsville, Alabama, holding CFP® and CFA® designations with 21 years of industry experience. He is also president of Pretium Capital Group, Inc., a separate business providing valuation services to private companies. Saliba has been involved with Saliba Asset Management since 1996 and founded Pretium Capital Group in 1999. Saliba Asset Management offers discretionary investment management and financial consulting to individuals, trusts, estates, charitable organizations, and pension or profit-sharing plans. The firm employs a diversified investment approach using equities, mutual funds, ETFs, and other securities, combining fundamental, technical, charting, and cyclical analysis in portfolio construction.

General tax planning Wealth management Concentrated stock management
Warmer team member

Not sure where to start?

We'll help you think it through — whether you ultimately need an advisor or not.

Warmer helps you compare advisors clearly — so you can choose with confidence.

Find your advisor

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

© 2026 Warmer Holdings Inc. ("Warmer")