After the introduction of a new rule from the Securities and Exchange Commission (SEC), with a new interpretation from the Department of Labor (DOL) of an old law, the Employee Retirement Income Security Act (ERISA), there is not much
Financial Advisor Tim Hayes
Put Your Money in the Hands That Know Best
Life isn’t all about money, but it is an important tool for building the life you want. Like with any tool, the best results are achieved when skilled, experienced hands are in control. I have studied the financial markets for over 30 years, and as the new financial ‘normal’ is continually redefined, I am always striving to learn more about it and adapt my knowledge to it.
The result: I can help you make smart investment decisions for every stage of your life, under all market conditions.
Every smart investment decision starts with me listening to you and asking you the right questions, including:
- What do you want out of life?
- What are your short-term and long-term financial goals?
- What kinds of financial assets are you working toward?
No Cookie-Cutter Solutions
As an independent financial advisor, I have access to many financial products, including mutual funds, ETFs, stocks, bonds, annuities, and life insurance programs. I use these and other products to build custom solutions for people according to their individual needs and goals.
Who Am I Affiliated With?
Out of college, I started in financial services with a small company (United Resources) that specialized in 403(b) plans. They were quickly bought out by MetLife. I worked at MetLife Resources, a division of MetLife specializing in retirement plans and managing client portfolios, for 20 years. Ten years ago, I decided I wanted to go independent. I am now affiliated with Cambridge Investment Research Advisors, Inc., a $44B RIA based in Fairfield, IA. I am also registered with Cambridge Investment Research, Inc., an independent broker-dealer with over 3,000 registered representatives nationwide.
I hope clients come to me because I put their interests first. I have a lot of experience and have been through a bunch of different markets, and I am independent. I am not required to sell any companies’ products.
Understanding how our banking and financial system works. Without this understanding, financial advisors walk around in the dark without a flashlight.
What Is My Financial Advisor Experience?
I've held an industry securities registration for 30+ years and am subject to SEC and FINRA oversight.
As an independent financial advisor, I have helped people, couples, and families with their retirement and financial planning for over 30 years. Financial markets are more complicated and volatile than ever. That’s why I remain committed to learning and
As a Massachusetts personal financial advisor, I have access to many financial products, including mutual funds, ETFs, stocks, bonds, annuities, and life insurance programs. I use these and other products to build custom planning solutions for people according to their individual needs
I advise on any possible rollovers from your employer’s retirement plan including plans in which you own company stock. I then design strategies for income planning during retirement.
Why Choose Tim
To receive the Five Star Wealth Manager award, individuals must satisfy a series of eligibility and evaluation criteria associated with wealth managers who provide services to clients. Recipients are identified through research conducted by industry peers and firms. Third party rankings and recognitions from rating services or publications are not indicative of past or future investment performance. For more information, go to www.fivestarprofessional.com.