Put Your Money In the Hands That Know Best

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

Financial Advisor Tim Hayes

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.

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.

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 these meeting types.

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?

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.

No Cookie-Cutter Solutions

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 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 Advisor Near Me

A – Financial Advisor Near Me
  • Abington 
  • Acton
  • Amesbury 
  • Andover
  • Arlington 
  • Ashland 
  • Attleboro 
  • Avon 

B – Financial Advisor Near Me

  • Bedford 
  • Bellingham
  • Belmont 
  • Beverly – I grew up in Beverly
  • Billerica 
  • Boston – I Live in the South End of Boston
  • Boxford 
  • Braintree
  • Brookline

C – Financial Advisor Near Me

  • Cambridge
  • Canton 
  • Carlisle 
  • Carver 
  • Chelmsford 
  • Cohasset
  • Concord 

D –Financial Advisor Near Me

E – Financial Advisor Near Me

  • Edgartown

F – Financial Advisor Near Me

  • Fall River 
  • Fairhaven
  • Foxborough 
  • Framingham 
  • Franklin
  • Freetown

G –Financial Advisor Near Me

  • Georgetown
  • Gloucester 
  • Groton

H – Financial Advisor Near Me

  • Hamilton
  • Hanover 
  • Harvard 
  • Haverhill – I lived in Haverhill for five years
  • Hingham
  • Holliston 
  • Hopkinton 
  • Hudson 

I – Financial Advisor Near Me

  • Ipswich 

L – Financial Advisor Near Me

  • Lexington 
  • Lincoln 
  • Lowell 
  • Lynnfield 

M – Financial Advisor Near Me

  • Malden 
  • Manchester by the Sea
  • Mansfield 
  • Marblehead – I worked at the Corinthian Yacht Club during college
  • Marion
  • Martha’s Vineyard
  • Marshfield
  • Mattapoisett
  • Maynard
  • Medfield
  • Melrose 
  • Merrimac
  • Methuen 
  • Middleborough 
  • Middleton
  • Milton 

N – Financial Advisor Near Me

  • Nantucket
  • Natick 
  • Needham
  • New Bedford
  • Newburyport 
  • Newton 
  • North Andover 
  • North Attleborough 
  • Northborough
  • North Reading 
  • Norton 
  • Norwell
  • Norwood

P – Financial Advisor Near Me

  • Peabody
  • Plymouth 
  • Provincetown

R – Financial Advisor Near Me

  • Randolph 
  • Reading
  • Revere 
  • Rockland
  • Rockport

S – Financial Advisor Near Me

  • Salem- I lived in Salem after college
  • Sandwich
  • Saugus 
  • Scituate 
  • Sharon
  • Sherborn
  • Somerville
  • Southborough
  • Stoneham 
  • Stoughton
  • Sudbury 
  • Swampscott

T – Financial Advisor Near Me

  • Tewksbury 
  • Topsfield
  • Tyngsboro 

W – Financial Advisor Near Me

  • Wakefield
  • Walpole
  • Waltham
  • Wareham
  • Watertown 
  • Wayland
  • Wellesley 
  • Wenham
  • Westford
  • Weston 
  • Westport 
  • Westwood
  • Weymouth 
  • Wilmington 
  • Winchester
  • Woburn

Customized Investment Ideas and Portfolio Review Services for Changing Financial Needs and Goals

Over the years, you’ll likely change jobs a few times. Your goals and risk tolerance will change too.

My investment ideas are only as good as their ability to keep up with you, so it all starts with getting to know you and your current investing situation. You may need your portfolio fine-tuned, or perhaps major changes are in order. Whatever the case, I’ll recommend a customized portfolio that addresses your needs and goals. And as your financial advisor, I’ll commit to reviewing your portfolio at least once a year.

Whether you’re changing jobs, shifting gears into retirement, or already participating in an investment plan at work (401(k), 403(b), etc.), you owe it to yourself and your family to make sure you’re doing the right things at the right time.

Fiduciary Financial Advisor

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

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."

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.

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Top Services

Three ways to Pay for a Financial Advisors Services

Hourly Fee

$ 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
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