Retirement Planning for Educators, Public Employees & Federal Workers
One advisor. One kind of client. Both by choice.
Schedule a Free Intro Call35+
Years Advising
Long-Term Trust & Experience
$30M+
Assets Managed
Fiduciary & Plain-English Guidance
24
Verified Reviews
Generosity, Character & Service
Meet Tim Hayes
Independent Fiduciary Financial Advisor · Boston & Dartmouth, MAAs an independent advisor backed by Cambridge Investment Research Advisors, I work with Massachusetts public educators, municipal, non-profit, and federal employees. When you reach out, you work directly with me, not a junior rep or call center.
AIF® (Fiduciary) · CRPS® (Retirement Plans) · FRC℠ (Federal) · CAS® (Annuities) · NSSA™ (Social Security) · IRMAACP™ · CTS™ · CES™
Targeted Retirement Solutions for Massachusetts Educators
Independent fiduciary guidance on pension calculations, district vendor rescues, and account transfers.
Pending MTRS RetirementPlus Buyback: H.4361 vs. S.3109
With House and Senate versions in conference committee, the cost difference between proposed makeup formulas could mean $15,000 vs. $40,000+ in compounded interest. Don't miss this one-time opt-in window.
MTRS & SERS Service Buyback Audits
Calculate your true break-even point before writing a five-figure check to the state. We audit out-of-state, military, or substitute time against the 7% interest clock to confirm if purchasing years actually improves your pension check.
Request Buyback Calculation → Active District TeachersExchanging Your Current 403(b) Vendor
You do not have to wait until retirement to escape high-fee district insurance products. Learn how active MA educators execute penalty-free in-service exchanges to lower-cost fiduciary vendors while still teaching.
Review Vendor Options → Separating or RetiringThe Rollover Roadmap: Direct IRA Transfers
Leaving your district this year? Step-by-step guidance on moving accumulated school annuity assets into an independent fiduciary IRA without surrender penalties or avoidable tax errors.
Plan Your Rollover →How the WEP/GPO Repeal Increased Public Employees' Net Worth
The repeal of WEP and GPO increased many public employees’ net worth overnight by eliminating unfair state pension offsets against earned Social Security benefits.
Social Security Guidance for a Public Employee
"Mr. Hayes is truly an amazing, kind, knowledgeable and compassionate gentleman…"
Expert Guidance Through Public Sector Transitions
Critical, irrevocable choices that determine how much of your Massachusetts pension, health insurance, and Social Security you retain.
Divorce: Valuing Your Public Pension
Specialized QDRO guidance on accurately valuing your MA Public Pension to ensure fair division of marital assets and Social Security offsets.
Divorce Valuation Guide → Irrevocable ChoiceSurvivor Benefits & Option D Decisions
Critical help selecting lifetime income versus lump sum survivor options while safeguarding subsidized municipal/state retiree health insurance.
Option D Strategy → Group 3 & Group 4Police & Fire: Early Mandatory Retirement
Navigating age-55 mandatory retirement milestones, 20-year career calculations, and restored Social Security benefits under WEP/GPO changes.
Group 3/4 Planning →Nonprofit & Federal Workforce Advisory
Dedicated retirement guidance for organizations and federal employees outside the MTRS/SERS system.
403(b) Rollovers, IRMAA & Social Security
Fiduciary retirement income planning for doctors and senior executives: coordinating large 403(b) rollovers, Medicare IRMAA surcharge brackets, and optimal Social Security timing.
Physician Retirement Planning → Federal PersonnelFederal Employees in MA: FERS & TSP
Independent coordination of your FERS basic annuity, TSP fund distributions, FEHB health benefits into retirement, and Social Security claiming.
FERS Advisor Boston →Decades of Trust & Plain-English Advice
Real experiences from Massachusetts educators and retired public servants who trust Tim Hayes with their pensions, rollovers, and retirement security.
"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 who asked great questions to focus my goals. He is always very responsive, keeps me informed about market impacts, and gives clear advice on next steps. Both his knowledge and thoroughness are refreshingly impressive."
Retired College Administrator
"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 advisor with vast knowledge and experience."
Retired Teacher (28-Year Client)
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 and federal workers—including teachers, state agency workers, police, fire, and federal employees—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 Massachusetts Towns Served (A–W)
- Abington
- Acton
- Amesbury
- Andover
- Arlington
- Ashland
- Attleboro
- Avon
- Bedford
- Bellingham
- Belmont
- BeverlyI grew up in Beverly
- Billerica
- BostonI live in the South End
- Boxford
- Braintree
- Brookline
- Cambridge
- Canton
- Carlisle
- Carver
- Chelmsford
- Cohasset
- ConcordFamily connections
- Danvers
- DartmouthOffice in Dartmouth
- Dedham
- Dover
- Duxbury
- EdgartownServed via Ferry
- Fall River
- FairhavenFamily roots
- Foxborough
- Framingham
- Franklin
- Freetown
- Georgetown
- GloucesterCape Ann ties
- Groton
- Hamilton
- Hanover
- Harvard
- HaverhillLived there five years
- Hingham
- Holliston
- Hopkinton
- Hudson
- Ipswich
- Lexington
- Lincoln
- Lowell
- Lynnfield
- Malden
- Manchester-by-the-Sea
- Mansfield
- MarbleheadNorth Shore ties
- Marion
- Martha’s VineyardFerry service
- Marshfield
- MattapoisettServed via Dartmouth
- Maynard
- Medfield
- Melrose
- Merrimac
- Methuen
- Middleborough
- Middleton
- Milton
- NantucketIsland Service
- Natick
- Needham
- New Bedford
- Newburyport
- Newton
- North Andover
- North Attleborough
- Northborough
- North Reading
- Norton
- Norwell
- Norwood
- Peabody
- Plymouth
- Provincetown
- Randolph
- Reading
- Revere
- Rockland
- Rockport
- SalemLived after college
- Sandwich
- Saugus
- Scituate
- Sharon
- Sherborn
- Somerville
- Southborough
- Stoneham
- Stoughton
- Sudbury
- Swampscott
- Tewksbury
- Topsfield
- Tyngsboro
- Wakefield
- Walpole
- Waltham
- Wareham
- Watertown
- Wayland
- Wellesley
- Wenham
- WestfordFamily connections
- Weston
- WestportServed via Dartmouth
- Westwood
- Weymouth
- Wilmington
- WinchesterFirst Career Roots
- Woburn
Wherever you work or live in Massachusetts, fiduciary guidance is within reach.
Request an Intro Call →