Expereince and Knowledge You Can Trust!
Investment Adviser Representative
Most client investment accounts are held at Pershing LLC and Fidelity Investments, Pershing, a wholly-owned subsidiary of the Bank of New York Mellon Corporation (BNY Mellon).
Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®, CES™, CTS™
Minimize Conflicts of Interest so That I Can Provide Objective Advice
- I work with individuals to build or update their personalized investment portfolios based on their goals and risks and then review their portfolios at least once a year.
- I advise on any possible rollovers from employer retirement plans and help design strategies for income planning during retirement.
- I can also advise on your life and disability insurance needs.
- I implement, manage, and service the retirement plans of companies and not-for-profits per the rules and regulations of ERISA and the Department of Labor (DOL). I also can install and manage group life and disability plans.
- I advise executives and business owners on their nonqualified deferred compensation plans, stock options, and company stock (net unrealized appreciation, NUA).
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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 requirement
Certified Fund Specialist, or CFS®
CFS designation is awarded upon passing an examination on mutual funds, ETS, 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® is a professional financial services designation granted by the Institute of Business & Finance (IBF)
Certified Estate & Trust Specialist, or CES™
CES™ is a professional financial services designation granted by the Institute of Business & Finance (IBF)
Certified Tax Specialist, or CTS™
CTS™ is a professional financial services designation granted by the Institute of Business & Finance (IBF)
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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 representative.
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
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.
I am also licensed to offer life, health, accident, disability and long-term care insurance plans, as well as fixed annuities.
- Bachelor of Science University of South Florida
- Major Finance, Minor Political Science
- GPA of 3.10
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.
Please be sure to speak to your advisor to consider the differences between your company retirement account and investment in an IRA. These factors include, but are not limited to, changes to the availability of funds, withdrawals, fund expenses, fees, and IRA-required minimum distributions.