Custom Retirement Advice for Educators, Public Sector and Nonprofit Employees
Your pension, retirement accounts, and Social Security don't always work like everyone else's. Neither does my advice.
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Legislation Pending
The RetirementPlus Legislation
Both the Massachusetts House and Senate have passed versions of the RetirementPlus buyback bill. The two versions differ significantly in cost. A final reconciled bill must be agreed upon before it goes to the governor. The 180-day election window begins on the date it is signed into law.
Trusted. Certified. Experienced.
Five Star Wealth Manager Award RecipientCES™ Certified Estate Specialist
CTS™ Certified Tax Specialist
CFS® Certified Fund Specialist
CAS® Certified Annuity Specialist
AIF® Accredited Investment Fiduciary
CRPS® Chartered Retirement Plans Specialist
AWMA® Accredited Wealth Management Advisor
APMA® Accredited Portfolio Management Advisor
NSAA® National Social Security Advisor Certificate
IRMAACP™ IRMAA Certified Planner
Awards and certifications are third-party designations and do not guarantee future results. To receive the Five Star Wealth Manager award, individuals must satisfy a series of eligibility and evaluate criteria.
Retirement Planning Services
Retirement planning services for Massachusetts teachers, police, firefighters, state employees, municipal workers, federal employees, and non-profit professionals — both current and retired.
Educators (K–12 & Higher Ed)
Police & Fire
State Employees (SERS)
Federal Employees (FERS)
- Doctors and Nurses
Are You Ready to Retire?
I mean, ready – financially ready? Use this worksheet to help determine how your current retirement savings efforts compare with your retirement spending needs.
The 4 Decisions That Define Your Retirement
Every Massachusetts public employee has four key retirement decisions to make. I’m here to help you feel confident about each choice.
- Social Security Timing: With WEP/GPO no longer an issue, deciding when to claim Social Security will shape your retirement income. Let’s explore your options together. Social Security Claiming Guide
- 403(b)/457 Savings Strategy: Let’s work together to decide how much to contribute, find the best plan for you, understand your vendors, and make smart decisions about your 2026 403(b) rollover. In addition, discover how Massachusetts educators are shifting to fiduciary advice.
- I’ll help you turn your Social Security, savings, and pension into a steady income plan you feel good about. Retirement Income Planning
- After you retire, let’s talk about your 403(b), 457, or IRA. We’ll figure out together what a reasonable rate of return is for your retirement accounts.
Ready for guidance on your retirement decisions? Contact me for a personalized consultation or read Boston Retirement Advisor Boston
Social Security Guidance for a Public Employee
"Mr. Hayes is truly an amazing, kind, knowledgeable and compassionate gentleman…"
How the WEP/GPO Repeal Increased Public Employees Net Worth
Repeal of WEP and GPO increased many public employees’ net worth overnight. A $1,000/month benefit increase can equate to roughly $150,000 in lump-sum value; $2,000/month equals roughly $300,000.
Your Full Benefits Restored: A Public Employee’s Guide to the WEP/GPO Repeal
Expert Guidance Through Life's Hardest Transitions
Divorce Financial Planning: Get the Valuation Right.
Impacts all Massachusetts Public Employees
Specialized fiduciary guidance on valuing your MA Public Pension and ensuring a fair division of assets and Social Security benefits.
MA State Pension Survivor Benefits
Impacts all Massachusetts Public Employees
Critical, irrevocable help with the Public Pension Survivor choice (lifetime income vs. lump sum) and retaining subsidized Health Insurance.
Massachusetts State Police — among the biggest winners of the Social Security Fairness Act. WEP & GPO repeal changes everything.
State Trooper Financial Planning
NonProfit Financial for Organizations & Employees
Separate guidance for plan sponsors and the professionals they employ.
Federal Employees in Massachusetts — Independent guidance on your pension, retirement savings, and income planning. No sales pressure, no quotas.
FERS Retirement Advisor Boston
The Independent Advisor Difference
Independent — But Never Alone
I'm a one-person practice, backed by Cambridge Investment Research — a $2 billion firm serving 4,100 independent financial professionals, just named 2026 InvestmentNews Broker-Dealer of the Year.
Read the announcement: Cambridge named 2026 Broker-Dealer of the Year →
I Immediately Felt I Was in Good Hands
“I was fortunate to get a recommendation for Tim Hayes from a colleague many years ago, and I have benefitted greatly from our partnership. At our first meeting, I immediately felt that I was in good hands. Tim is a wonderful listener, and he asked great questions that allowed me to focus my long-term financial goals. He has always been very responsive to any questions I have had and keeps me informed about the impact the vagaries of the investment world have on my portfolio while, at the same time, giving me advise on our next steps. I would highly recommend Tim to anyone needing investment services. Both his knowledge and his thoroughness are refreshingly impressive.”
Phyllis Gleason
Client: Retired College Administrator
28 Years of Trust and Honesty
“Having worked with Tim Hayes for 28 years, I can attest that he is an outstanding Financial Advisor who has provided me with great financial guidance and support throughout the years. He is always available to answer questions and concerns and has built a relationship based on trust and honesty. Tim is a reliable, committed and trustworthy financial advisor with vast knowledge and experience.”
Wanda Carrasquillo
Client: Retired Teacher
Testimonial Disclosure: Testimonials are based on individual client experiences and may not represent the experiences of all clients. They are not a guarantee of future performance. Each client’s situation is unique. No compensation has been provided for these testimonials.
Retirement Planning for Public and Nonprofit Employees Across Massachusetts
While I have offices in Boston and Dartmouth, I am a statewide specialist. I meet with Massachusetts public employees—including teachers, state agency workers, police, and fire—in person at their schools, agency offices, local departments, libraries, or coffee shops, or virtually. I provide face-to-face fiduciary advice on your turf and on your schedule.
Serving Boston & surrounding: North Shore, South Shore, Merrimack Valley, MetroWest, Cape & Islands, and the South Coast.
View Towns (A–W)
A
- Abington
- Acton
- Amesbury
- Andover
- Arlington
- Ashland
- Attleboro
- Avon
B
- Bedford
- Bellingham
- Belmont
- BeverlyI grew up in Beverly
- Billerica
- BostonI live in the South End
- Boxford
- Braintree
- Brookline
C
- Cambridge
- Canton
- Carlisle
- Carver
- Chelmsford
- Cohasset
- ConcordMy sister-in-law lives here
D
- Danvers
- DartmouthOffice in Dartmouth
- Dedham
- Dover
- Duxbury
E
- EdgartownServed via Ferry
F
- Fall River
- FairhavenFamily in Fairhaven
- Foxborough
- Framingham
- Franklin
- Freetown
G
- Georgetown
- GloucesterGood Harbor Beach favorite
- Groton
H
- Hamilton
- Hanover
- Harvard
- HaverhillLived there five years
- Hingham
- Holliston
- Hopkinton
- Hudson
I
- Ipswich
L
- Lexington
- Lincoln
- Lowell
- Lynnfield
M
- Malden
- Manchester-by-the-Sea
- Mansfield
- MarbleheadWorked at Corinthian YC
- Marion
- Martha’s VineyardFerry/Air Service
- Marshfield
- MattapoisettServed via Dartmouth
- Maynard
- Medfield
- Melrose
- Merrimac
- Methuen
- Middleborough
- Middleton
- Milton
N
- NantucketFerry/Air Service
- Natick
- Needham
- New Bedford
- Newburyport
- Newton
- North Andover
- North Attleborough
- Northborough
- North Reading
- Norton
- Norwell
- Norwood
P
- Peabody
- Plymouth
- Provincetown
R
- Randolph
- Reading
- Revere
- Rockland
- Rockport
S
- SalemLived there after college
- Sandwich
- Saugus
- Scituate
- Sharon
- Sherborn
- Somerville
- Southborough
- Stoneham
- Stoughton
- Sudbury
- Swampscott
T
- Tewksbury
- Topsfield
- Tyngsboro
W
- Wakefield
- Walpole
- Waltham
- Wareham
- Watertown
- Wayland
- Wellesley
- Wenham
- WestfordMy brother lived here
- Weston
- WestportServed via Dartmouth
- Westwood
- Weymouth
- Wilmington
- WinchesterFirst Career Roots
- Woburn
Wherever you are in Massachusetts, I provide ongoing support—not just a one-time meeting.
Industry Commentaryand Resources
Tim Hayes has been featured in EIN Presswire through national distribution channels (Banking, Finance & Investment, Education, Business & Economy) for commentary from his independent advisory business on:
Open any item to read a summary—no new page.
✓ Public Employees May Qualify for Higher Social Security Benefits Following WEP and GPO Repeal
The recent changes in Social Security laws mean public employees affected by WEP and GPO may qualify for higher monthly benefits and retroactive payments.
Read on EIN Presswire ↗
Read on EIN Presswire ↗
✓ The Impact of WEP and GPO Repeal on Public Employees
On Dec 21, 2024, the Senate passed H.R. 82 to repeal WEP and GPO, providing retroactive payments and enhanced benefits.
Read on EIN Presswire ↗
Read on EIN Presswire ↗
✓ Massachusetts 403(b) Retirement Plan Tax Laws
Discussion of tax planning, record-keeping, and legacy 403(b) contribution rules.
Read on EIN Presswire ↗
Read on EIN Presswire ↗
✓ Windfall Elimination Provision & Government Pension Offset
An overview to help public employees understand WEP/GPO and its effect on Social Security benefits.
Read on EIN Presswire ↗
Read on EIN Presswire ↗
✓ Transition to Fee-Based & Index Funds
Covers the shift toward fee-based advice and reduced conflicts in the financial industry.
Read on EIN Presswire ↗
Read on EIN Presswire ↗
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.