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John Hayes is a seasoned financial professional with extensive experience in financial planning and analysis. Currently serving as a Financial Planning and Analysis Manager at Combined, a Chubb Company since June 2022, John previously held positions such as Financial Analyst II at Kemper and Associate at Morgan Stanley. John began their career as a Rebate Analyst at Pactiv, LLC, where responsibilities included managing client accounts and resolving discrepancies in rebate requests through detailed financial analysis. Additionally, John has experience in leadership roles, having coordinated intramural sports at Denison University and managed a team of lifeguards as Pool Manager at Lake Bluff Park District. John holds a Bachelor of Arts in Economics from Denison University, awarded in 2016.