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Mr. Hayes is a twenty-five year investment veteran. Prior to joining CIG, Mr. Hayes was a senior vice president with Wachovia Securities since 2000, where he managed assets for business owners and other high net-worth individuals. With Wachovia, Hayes counseled his clients on succession planning, utilizing the most tax-efficient vehicles available and other significant estate tax issues. He also provided traditional asset management with disciplined portfolio models. Other positions Hayes has held include vice president of investments with S.G. Cowen from 1993 to 2000; and prior to that he was an investment adviser with Prudential Securities and Shearson Lehman Brothers. Hayes earned a Bachelor of Science degree from the State University of New York (SUNY) at Plattsburg in 1980. | 