Put Your Money in the Hands of Someone That Know Best
Financial Advisor Boston Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®
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?
As an independent financial advisor, I have access to many financial products, including mutual funds, ETFs, stocks, bonds, and annuities, which I use to build custom portfolios, trusts, and retirement plans for people and organizations.
Whom Am I Affiliated With?
I am an Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., a $44B RIA based in Fairfield, IA. Also registered with Cambridge Investment Research, Inc., an independent broker-dealer with over 3,000 registered representatives nationwide.
How Much Do You Charge?
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 setting up a 529 college savings plan.
Do We Need to Meet in Person?
(For the time being a phone, Zoom, or email is replacing in-person meetings) Previously, our first introductory and fact-finding appointment would be in person or by telephone. The next meeting where I provide my recommendations would be in person.
Subsequent meetings where we monitor your progress and investments can be done in-person, by phone, email, Zoom, or skype or, more likely, a combination of these meeting types.
Social Security When Should You Start Taking It? Financial Advisor Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®To try to develop the most effective retirement income strategy for the middle class, Stanford University’s Center on Longevity analyzed and compared 292...
Investing In an Overpriced Stock Market Financial Advisor Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®The U.S. stock market has come a long way from its Great Recession low. That low, when the S&P 500 bottomed out at 666 on March 9, 2009, is called “the Haines’...
Fee-Only or Commission What Standard of Care Is Best for You? Financial Advisor Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®Many financial advisors are registered as both representatives of a broker-dealer and as investment-advisor representatives of an investment...