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Phone or In-Person
Financial Advisor Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®
Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., a $94B RIA based in Fairfield, IA. Also registered with Cambridge Investment Research, Inc., a broker-dealer with over 3,000 registered representatives nationwide.
Frequently asked questions
You Ask, We Answer
No-Cookie Cutter Solutions
As an independent financial advisor, I have access to many financial products, including mutual funds, ETFs, stocks, bonds, and annuities. I use them to build custom portfolios, trusts, and retirement plans for people and organizations.
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.
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.
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.
Whom Am I Affiliated With?
I am an Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., a $94B RIA based in Fairfield, IA. With Cambridge Investment Research, Inc., I am a broker-dealer with over 3,000 registered representatives nationwide.
What Is Your Experience
I’ve held an industry securities registration for 25+ years and am subject to SEC and FINRA oversight.