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About

We are an enthusiastic team of professionals who believe in family and want to help you provide for your family and business. Rick and Wendy Hughes started Hughes & Associates in 2007, and it has quickly become a top agency in the region.

Rick Hughes headshot

Rick Hughes

Founder and CEO

Recognized as one of the top retirement professionals in the area, Rick Hughes has helped many individuals and families in the Tennessee, Georgia, and Alabama areas prepare for a secure retirement. Rick works exclusively with seniors and retirees to find solutions to help them enjoy their retirement years.

After being a vice president of a Fortune 500 company, Rick founded Hughes & Associates in 2007 to help families prepare for the future in a safe and secure way. Before changing careers, Rick served as an assistant basketball coach at the University of Florida and then served as a general manager/head coach of a developmental league to the NBA.

Rick has pioneered strategies that protect his clients from volatile and risky financial investments while helping them grow their retirement income. His main interest is helping his clients in reducing their taxes. He offers many risk and risk-free strategies that can lower a tax bracket and, in many cases, obtain a zero percent tax bracket in retirement.

He is one of very few advisors that can work with WealthGuard™ in the state of Tennessee. WealthGuard™ is a complete portfolio monitoring system that is added to client accounts to help protect from downside risk.

Rick is an Investment Advisor Representative. He has his securities license and life and health insurance licenses and works with tax-advantaged strategies, tactically managed accounts, annuities, long-term care, and indexed universal life.

Wendy Hughes headshot

Wendy Hughes

CFO

In addition to her duties as CFO, Wendy also handles all customer service and retention matters. She has always been involved in education and holds a master’s degree from Lee University in psychology/counseling. She was an instructor at Wabash Valley Community College as well as Lee University, where she taught from 2002 to 2008.

Granger Hughes headshot

Granger Hughes

Vice President/Financial Planning

Granger Hughes began his career in 2009, after becoming a licensed insurance agent. He graduated with honors with a Bachelor of Science in business administration from Lee University. He is an Investment Advisor Representative with Hughes Retirement Group and has his securities license and life and health insurance licenses and works with tax-advantaged strategies, tactically managed accounts, annuities, long-term care, and indexed universal life.

Granger uses a tax-sensitive, holistic approach by offering suggestions and alternatives on ways that his clients can protect, preserve, accumulate, and distribute money. His professional knowledge includes looking at all buckets of money and allocating them to the appropriate tax advantage status. He can assist his clients in reaching a lower tax bracket and, in many cases, obtaining a zero percent tax bracket in retirement. He can also provide strategies that are risk-free or limited-risk.

He utilizes a scientific approach to analyzing portfolios through standard deviation, correlation matrix, and risk reward. He is one of very few advisors that can work with WealthGuard™ in the state of Tennessee. WealthGuard™ is a complete portfolio monitoring system that is added to client accounts to help protect from downside risk.

Michael Kiker headshot

Michael Kiker

Licensed Health Consultant

Michael is the son in law of Rick and Wendy. He married their daughter Lindsey in May 2018. He grew up in Ringgold, GA, and attended Georgia Northwestern Technical College. He has a background in Emergency Medicine and enjoys helping others.

Lindsey Hughes Kiker headshot

Lindsey Hughes Kiker

Director of First Impressions

Beth Godfrey headshot

Beth Godfrey

Administrative Assistant to Rick Hughes