Financial Advisor Tim Hayes

Put Your Money In the Hands That Know Best

Fee-Only Financial Advisor in Massachusetts

Fee-Only Financial Advisor • Fee-Based Advice In Massachusetts

After the introduction of a new rule from the Securities and Exchange Commission (SEC), with a new interpretation from the Department of Labor (DOL) of an old law, the Employee Retirement Income Security Act (ERISA), there is not much difference in the duties and responsibilities that financial advisors, financial professionals, ERISA fiduciaries, and financial planners owe to their clients.

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Independent Financial Advisor

Independent Financial Advisor Massachusetts • Tim Hayes

As an independent financial advisor, I have helped people, couples, and families with their retirement and financial planning for over 30 years. Financial markets are more complicated and volatile than ever. That’s why I remain committed to learning and adapting my knowledge and skills to the new financial “normal” as it’s continually redefined—for better or worse.

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Financial Planner

Financial Planner Massachusetts Tim Hayes

As a Massachusetts personal 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 planning solutions for people according to their individual needs and goals.

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Retirement Financial Advisor

Retirement Financial Advisor Massachusetts

You have retirement accounts in a few different places, and so does your spouse. Now that you are retired or thinking of retiring, you are closer to using the money. But you haven’t changed the allocation or risk level of any of those accounts. Moreover, you haven’t met with a financial advisor to discuss your retirement goals or accounts.

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