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Put Your Money In the Hands That Know Best

An Independent Financial Advisor With the Tools and Expertise to Help You Build Life the Way You Like It

Financial Advisor
Financial Advisor Tim Hayes

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 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.

Licensed in MA, RI, NH, ME, CT, NY, FL

Financial Planning

Financial Adviser Boston Image


I advise on any possible rollovers from employer retirement plans and help design strategies for income planning during retirement.

Wealth Management

 
I work with individuals to build or update their personalized investment portfolios based on their goals and risks and then review their portfolios at ‌least once a year.

Rollover Advisor

Insights


·  We figure out whether you should keep your 401(k) or 403(b) with your previous employer or roll it into an IRA, where I will build a new portfolio for retirees or job changers.

Book a Phone, Zoom, or In-Person Appointment

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With So Many Investment Possibilities, How Do You Know What’s Best?

Tim Hayes is a financial advisor with the experience and knowledge you can trust to know which investment vehicles may be right for you. Whether you’re an individual, small business, or company executive, he’ll put you on a financial path that’s right for you.

FAQ

I am an Investment Adviser Representative at 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've held an industry securities registration for 30+ years and am subject to SEC and FINRA oversight.

Most clients pay fee-only or an hourly rate. The size and complexity of the client's wealth management and financial and retirement planning determine that fee.

Some clients pay a commission, mainly those with smaller accounts, i.e., Roth IRAs, some public-school teachers with 403b retirement accounts, or parents or grandparents who set up a 529 college savings plan.

The first introductory and fact-finding appointment can be in-person or by phone. The next meeting where I provide my recommendations should be in-person. (For the time being, telephone, Zoom, and email are replacing in-person meetings.)

Subsequent meetings during which we monitor your progress and investments can be done in-person or by phone, email, Zoom, or Skype - or, more likely, a combination of thee meeting types.

Book an appointment phone or in-person

Independent Financial Advisor Who Can Assist You With the Following:

Retirement Financial Needs

Review and assessment of your needs

Portfolio

Recommend investments based on an explicit balance of growth vs. security

Taxes

Recommend a strategy for minimizing your tax burden

Independence

I am an advisor who is not selling any proprietary products or has any sales quotas.

Because I am Independent

No requirements to use a specific tool. Instead, you benefit from advice and products tailored to your unique financial needs.

Costs

Hourly costs or fee-only with an estimate of a not-to-exceed price for the initial consultation and annual follow-ups

Local Offices

Boston Office

Dartmouth Office

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