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Put Your Money In the Hands That Know Best

Tim Hayes Is an Independent Financial Advisor With the Tools and Expertise to Help You Build Life the Way You Like It


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Tim will establish a portfolio attuned to your unique financial needs, whether you are an individual, small business, or company executive.


Tim is a financial advisor with the experience and knowledge you can trust to know which investment vehicles could be suitable for you.



Tim’s affiliations might not be the biggest, but his blog addresses significant issues affecting individual or corporate readers.

Independent Financial Advisor FAQ

I am securities licensed in Massachusetts, Rhode Island, Connecticut, New Hampshire, Maine, New York, and Florida.

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.

Cambridge Investment Research

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.

Contact Tim

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