+1(508)277-5847

tim.hayes@cambridgesecure.com

Author Tim Hayes

Independent Financial Advisor Tim Hayes

Financial Advisor Tim Hayes

Securities Licensed in MA, RI, NH, NY, NJ, CT, ME, & FL

I am an Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., a $44B RIA based in Fairfield, IA. I am also registered with Cambridge Investment Research, Inc., an independent broker-dealer with over 3,000 registered representatives nationwide.

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 some 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 these meeting types.

Contact Tim

Overview of My Experience

I am a fiduciary and have experience advising clients on Social Security decisions, though I cannot provide specific tax advice. My typical clients are recently retired or planning to retire. I get paid through feeonly and occasional commission. It is hard to estimate allin costs, but I keep them low. I do my due diligence, use a couple of tools, and rely on my 30 years of experience when choosing investments to recommend. Conflict of interest is avoided by avoiding all attempts to influence behavior. A good advisor knows what to ignore.

Faq

I am, but it is less relevant today after the changes in rules from the SEC.

I understand Social Security and timing well but cannot provide specific tax advice. Who are your typical clients? Do you have a client profile you can share?

A typical client recently retired or planning to retire.

I do my due diligence, use a couple of tools, and rely on my 30 years of experience.

Commission vs. fee is a possible conflict. I avoid all attempts to influence behavior, such as dinners put on by companies, etc.

Knowing what to ignore

Portfolio Evaluation
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Portfolio Evaluation: Compare Fees, Performance, and More with Tim

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Federal Reserve Chairman Jerome Powell’s Plan to Combat Inflation: Overview and Analysis

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Social Security When Should You Start Taking It?
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Maximizing Retirement Income: Stanford Study Recommends Delaying Social Security and IRA Withdrawals

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The Comeback of Inflation in 2022: Understanding the Transitory Theory and Government Spending

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Maximizing Your 401k: Understanding the Latest Regulations and Roll Over Options
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Maximizing Your 401k: Understanding the Latest Regulations and Roll Over Options

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What Is a Reasonable Rate of Return After Retirement?
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Start Your Financial Planning Journey with Tim, Independent Financial Advisor – Download Our Fact Finder Today

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Retirement Savings: Transitioning from Growth to Income and the Need for Professional Advice

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Understanding Different Types of Financial Advisors: Investment Advisors, Registered Representatives, and ERISA Fiduciaries

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Understanding Financial Fees: Commission vs. Fiduciary Advice

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Why 2022 was a Disappointing Year for Investors and What to Expect in 2023

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Maximizing Retirement Benefits: Navigating 403b Plans, Social Security, and New SEC Regulations with Tim
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Maximizing Retirement Benefits: Navigating 403b Plans, Social Security, and New SEC Regulations with Tim

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Maximizing Retirement Savings for Self-Employed: The Benefits of SEP and Solo 401(k)

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“Secure Your Family’s Future: Contact Tim for Life Insurance and Annuity Planning”

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Maximize Your Retirement Savings
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Maximize Your Retirement Savings: IRS Raises Annual Contribution Deferrals on Popular Plans

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