508-277-5847 [email protected]

Tim Hayes

Financial Advisor AIF®, CRPS®, AWMA®, CFS®, APMA®

How Much Do You Charge?

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 setting up a 529 college savings plan.

Fee-Only or Commission What Standard of Care Is Best for You?

Whom Am I Affiliated With?

I am an Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., a $94B RIA based in Fairfield, IA.  Also registered with Cambridge Investment Research, Inc., an independent broker-dealer with over 3,000 registered representatives nationwide.

My Financial Advisor Experience

I’ve held an industry securities registration for 30+ years and am subject to SEC and FINRA oversight.

Do We Need to Meet in Person?

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 phone and email replacing in-person meetings)

Subsequent meetings where we monitor your progress and investments can be done in-person, by phone, email, or skype or, more likely, a combination of these meeting types.

About Financial Advisor Tim Hayes

Tim Hayes

Financial Advisor

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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 individual needs and goals.

Diversification and Investment Portfolio Design

Credentials

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Accredited Portfolio Management Advisor℠, or APMA®

Individuals who hold the APMA® designation have: The Accredited Portfolio Management Advisor℠ or APMA® Program is a professional designation program for financial professionals. The program is designed to educate advisors on the subtler points of portfolio creation, augmentation, and maintenance. Topics covered include:

  • client assessment and suitability
  • risk/return, investment objectives
  • bond and equity portfolios
  • modern portfolio theory
  • investor psychology
  • and other topics germane to building appropriate client portfolios
Accredited Investment Fiduciary®, or AIF®

Individuals who hold the AIF® designation have:

  • Completed the AIF® Designation Training;
  • Passed the AIF® designation exam;
  • Met the designation’s prerequisites and qualification and conduct standards;
  • Accrued a minimum of six hours of continuing professional education, with at least four hours coming from fi360-produced sources;
  • Attested to a code of ethics.
Chartered Retirement Plans Specialist®, or CRPS®

Individuals who hold the CRPS® designation have:

  • Completed a course of study encompassing design, installation, maintenance and administration of retirement plans;
  • Passed an end-of-course examination that tests their ability to synthesize complex concepts and to apply theoretical principles to life situations;
  • Pledged adherence to the CRPS® Standards of Professional Conduct, and are subject to a disciplinary process in that regard.

CRPS® designees renew their designation every two years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirements.

Certified Fund Specialist®, or CFS®

CFS® designation is awarded upon passing an examination on mutual funds, ETFs, REITs, closed-end funds, and similar investments. Advanced studies on topics include:

  • Fund analysis and selection;
  • Asset allocation;
  • Portfolio construction;
  • Sophisticated investment strategies for risk management, taxes, and estate planning.
Accredited Wealth Management Advisor®, or AWMA®

Individuals who hold the AWMA® designation have:

  • Completed a course of study encompassing wealth strategies, equity-based compensation plans, tax-reduction alternatives, and asset-protection alternatives;
  • Passed an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations;
  • Agreed to adhere to the AWMA® Standards of Professional Conduct, and are subject to a disciplinary process in that regard.

AWMA® designees renew their designation every two years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirements.

Certified Annuity Specialist® or CAS®

CAS® designation is awarded upon passing three comprehensive exams, complete a written case study, as well as adhere to the IBF Code of Ethics and IBF Standards of Practice, as well as fulfill annual continuing education requirements. Advanced studies on topics include:

  • traditional fixed-rate, equity-indexed, and variable annuities
  • annuity contracts and titling options
  • living benefits, compound interest, and unnecessary taxes
  • litigation issues

Securities Licenses

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Series 66 Exam, Taken 12-18-2012, Scored 93%

Passing the exam qualifies candidates as both securities agents and investment advisor representatives.

Series 7 Exam, Taken 07-20-2005, Scored 92%

Individuals who pass the Series 7 examination are eligible to trade all securities products: corporate securities, municipal fund securities, options, direct participation programs, investment company products, variable contracts, etc.

Series 63 Exam, Taken 03-22-1989, Scored 86%

The exam qualifies candidates as securities agents within a state. Nearly all states require people to pass the Series 63 for state registration.

Series 6 Exam, Taken 02-23-1989, Scored 92%

The exam measures the degree to which each candidate possesses the knowledge needed to offer the products of investment and insurance companies, including the sales of mutual funds and variable annuities.

Accident Health or Sickness, Taken 01/18/1990

I am also licensed to offer life, health, accident, disability, and long-term care insurance plans, as well as fixed annuities.

Life, Taken 01/18/1990

I am also licensed to offer life, health, accident, disability, and long-term care insurance plans, as well as fixed annuities.

Variable Life & Annuity, Taken 04/25/1990

I am also licensed to offer life, health, accident, disability, and long-term care insurance plans, as well as fixed annuities.

Credentials Awards, Licenses, Designations

Named a Five Star Wealth Manager 6 Years Running

In 2018, 2819 Boston wealth managers were nominated with only 487 projected winners.

To receive the Five Star Wealth Manager award, financial advisors must satisfy a series of eligibility and evaluation criteria associated with wealth managers who provide services to clients. Recipients are identified through research conducted by industry peers and firms. Third party rankings and recognitions from rating services or publications are not indicative of past or future investment performance.For more information, go to www.fivestarprofessional.com.

If you’re concerned about your financial future, let’s talk