Financial Advisor Boston & Dartmouth, Massachusetts

Professional financial advisor in business attire.

Financial Advisor Tim Hayes

Tim has offices located in Boston and South Dartmouth, Massachusetts. He is licensed to handle securities in six states, including Massachusetts, Rhode Island, New Hampshire, Connecticut, Maine, and Florida. Moreover, he can provide investment advisory and financial planning services to clients in all 50 states.

I am an Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser (RIA) firm based in Fairfield, IA. I am also registered with Cambridge Investment Research, Inc., an independent broker-dealer with over 3,000 registered representatives nationwide.

Clients can pay a fee-only or hourly rate based on wealth management and financial and retirement planning needs. Smaller accounts, such as Roth IRAs, 403b accounts, or 529 college savings plans, may require commission-based payments.

The first appointment can be in person by phone or by Zoom. Subsequent meetings can be a mix of in-person, phone, email, or Zoom.

Put Your Money In the Hands That Know Best

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 investing decisions for every stage of your life, under all market conditions.

Every smart investment decision starts with listening to my clients and asking them the right questions, including:

  • What do you want out of life?
  • What are you working for?
  • What are your short-term and long-term financial goals?

No Cookie-Cutter Products and Services

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.

  • Investment Management
  • Rollover IRAs, Traditional IRAs, Roth IRAs
  • Comprehensive Financial Planning
  • Life Insurance Needs Analysis
  • Non-Qualified Deferred Compensation
  • Defined Benefit Pension Plans
  • Key Employee Insurance
  • Fixed & Variable Annuities
  • Mutual Funds & Exchange Traded Funds (ETFS)
  • Term, Whole Life, Universal Life & Variable Life
  • 401k Plans, 403b Plans, Profit-Sharing Plans

MA Financial Management Near Me

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 set you up with a portfolio attuned to your unique needs.

Explore Recent Articles to Enlighten your Financial Journey

What Is a Reasonable Rate of Return After Retirement for Retirement Funds

Summary: Learn Tim's advice for securing a retirement with a reasonable rate of return. Discover key factors to consider after retiring, ways to maximize returns, and how to make informed decisions for a prosperous future.

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Understanding the Windfall Elimination Provision for Massachusetts Public Employees

Summary: Understand the impact of Windfall Elimination Provision on Social Security benefits for public employees. Make informed retirement decisions for a secure financial future.

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Professor Campbell Harvey’s Research on Yield Curve Inversion and Recession Prediction

Summary: Learn about Professor Campbell Harvey's research on the inverted yield curve, which predicts future recessions. It focuses on the 3-month treasury bill and 10-year treasury bond and has a proven track record.

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Independent Advisor Tim Hayes Dives Deep into Fee-Based and Fee-Only Financial Services and How These Benefit Clients

Summary: New regulations set out to standardize financial planning compensation and align product recommendations and services with clients’ best interests.

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Financial Advisor in Boston, MA: A Personalized Approach to Financial Planning

Three ways to Pay for Tim's Financial Advisors Services

Hourly Rate

$ 150 /Hour
  • Ideal for clients who want financial planning, retirement planning, or wealth management advice
  • But don't want to move their accounts

Fee-Only

Varies
  • Fee is 1% or less depending on the size and complexity of your needs
  • Custom money management
  • I am a fiduciary adviser
  • Financial Planning Services

Commission

Varies
  • Commission varies by product
  • Ideal for smaller accounts
  • Ideal for Roth and traditional IRAs, and some 403b plans

Book a Free Consultation With a Professional Advisor Today

The Advantage of an Advisor: Real Stories from Real People

Barbara Davis

Client

"I have been served for over 20 years and plan to continue working with Tim. Tim is an intelligent, well-educated, and kind man. Tim has always been available by visit or by phone. He explains what is going on financially and makes every effort to Explain and discuss our relationship. It is my pleasure to rate Tim as A+ in all our interactions. I am very pleased with the man, and how he serves his clients as to financial advising."

"Tim Hayes has been my financial advisor for close to forty years. He is sincere and direct in his approach to supporting his clients. I highly recommend Tim to anyone seeking a financial advisor who is skilled, client-centered, and practices with integrity. "

Julia Concannon

Client

Phyllis Gleason

Client

"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."

"Tim Hayes has been my Financial Advisor for a number of years. He has always been patient with my questions and explains everything in understandable terms. It is a pleasure to have him as my Financial Advisor, and I look forward to many productive years ahead."

Penny Demers

Client

Cynthia Hayes

Client

"Tim has been my financial advisor for many years. Tim is ethical, honest, thorough, detailed, thoughtful, knowledgeable, very helpful, and, last but not least, kind. He stays abreast of changing policies, laws, etc., and communicates them to me as applicable. Tim helped me to plan successfully for my retirement, and I am forever thankful to him. I highly recommend Tim if you need a financial advisor with his attributes.." Additional disclosure Cindy is Tim's stepmom.

"Over the past 30 years I have had three different account mangers watching over my tax sheltered annuities. I can say without reservation that Tim has been the best communicator of them all. He made my transition to securing my required allotments annually very easy because he “answers his phone”. He has taken the worry out of its for me."

Dennis C. Bentley

Client

Wanda Carrasquillo

Client

"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."

"Tim Hayes has been a great financial partner for our family! He has been timely and his follow through always reliable! He has given us solid advice, has helped us to make good choices, and has been a source of reassurance and calm when we have needed! We highly recommend Tim!"

The Brodsky Family

Client

Deidre McDonald

Client

"I have been working with Tim Hayes for several years. Tim has excellent communication skills, knowledge, integrity and experience. He has the client's best interest at heart and shares pertinent information in a timely manner. To wit, during the recent market decline Tim implemented alterations and amendments that positively effected my account. Tim's approachability and willingness to touch base through written and oral narratives contribute to my continuation of his service."

"I've had Tim as a financial advisor for many years. He's always provided effective advice and has made himself available whenever I've requested. I highly recommend Tim to anyone looking for a financial advisor you can trust."

Meriane Daphnis

Client

Mary Walsh

Client

"As a person whose only association with finance is balancing my checkbook once a month, I am incredibly fortunate to have Tim Hayes as my financial advisor. With the economy in the fluctuating state it has been in recently, if ever I have a question or am just feeling uneasy concerning my investments ,he responds very quickly and what I appreciate most about Tim is that he never ever talks down to me or makes me feel my question is unimportant I would whole heartedly recommend Tim Hayes."

"I have been very satisfied with Tim as a Financial Advisor. He is personable and pleasure to work with, is knowledgeable about investments, and his recommendations seem to be very much in my best interest. He's always made himself available if I have questions. He also expedites any requests I have for withdrawal from my account."

Cindy Primett

Client

Maria J

Client

My name is Maria J., I work as a teacher and Tim has been my financial advisor for roughly 18 years. He has been good with my money, giving me advise and explaining clearly what I should expect when I invest my money. He is to the point, always asking you how comfortable you feel investing your money; are you more of a risky investor or more traditional investor? He can guide you and he acts upon your level of comfort. Some years I made money, some years I didn't, but this is a long journey that will pay off at the end."

"Tim Hayes has served as my financial advisor for many years. He is experienced, knowledgeable, competent, flexible and proactive. Tim sends to me, via email and on a regular basis, secure and thoroughly organized “Client Reports” of my “Combined Account Portfolio”. If I have trouble understanding any part of my Portfolio or have questions regarding it, he is always available to explain what I don't understand and answer my questions. Tim is forthcoming with his emails advising me on any changes to my holdings that could be more beneficial to me, given the particular state of the financial market at the time. Because of his experience and knowledge, he can be and is proactive with his advice. He allows for a flexible schedule and has met with me in person during times when needed. Over the many years of working in my career and setting up savings funds for the future, saving funds for my grandchildren, retiring from my career and setting up appropriate savings vehicles, Tim has always been there to advise and help. I believe Tim is dedicated to doing what's best for his clients and their financial investment needs and goals."

Pat Barbour

Client

Kathy Rodger

Client

"I have been working with Tim for over 30 years. At all times Tim has made himself available to answer any of my questions or concerns. His explanations on Market trends have always been thorough and helpful. "

"I have known Tim for over 30+ years and he has always guided me in making good decisions. Tim is extremely knowledgeable about how the world works and how the market is affected by decisions made by elections, stock markets, and the volatility of the world in general. He is always looking out for your best interest, along with he is someone you can count on to keep you in the know!"

Andrea Knight

Client

Roger & Kathleen Tuveson

Client

"Tim Hayes has been our financial advisor for many years and we have found our dealings and communications with him to be both helpful and informative. Tim is personable, attentive, knowledgeable, articulate, and proactive. It has been our honor to entrust our retirement investments to him and we highly recommend him for his financial services."

"I have worked with Tim Hayes most of my adult life (I am a senior citizen). I trust him so much that I have recommended him to my sister. You can't go wrong with Tim."

Linda Wiegenfeld

Client

Bryk Family

Client

"Tim has been our financial advisor for many years. He knows our family and has aligned his expertise with our goals. He has our best interest in mind and goes above and beyond in strategizing our portfolio in this ever changing landscape. We entrust him with three generations in our family and value our relationship."

"I have been a client of Tim Hayes for several years. Although I don't have a large portfolio,Tim has still treated me with caring, professionalism and respect to optimize my success with my account. He sends regular updates regarding market changes and recommendations and offers to meet as needed to discuss life changes and financial planning. I highly recommend Tim as a financial advisor!"

Judy Carter

Client

These testimonials are based upon an individual client experience and may not represent the experience of other customers, and should not be considered a guarantee or indication of future performance of success.

More Financial Services at Your Fingertips: How We're More Than Just an Investment Firm

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