Put Your Money In the Hands That Know Best
Tim Hayes Is an Independent Financial Advisor With the Tools and Expertise to Help You Build Life the Way You Like It
Independent Financial Advisor FAQ
I am securities licensed in Massachusetts, Rhode Island, Connecticut, New Hampshire, Maine, New York, and Florida.
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. (For the time being, telephone, Zoom, and email are replacing in-person meetings.)
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 thee meeting types.