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Designing Your Retirement Portfolio

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

Counseling You on Your Financial Needs as Your Transition to Retirement

Along with great careers, you’ve built up substantial 401k balances. It took a while, but you got the hang of investing in equities: never comfortable with the ups and downs but always focusing on long-term growth.

However, now you need income, not growth. Over the years you ownded some bonds with mixed success. Moreover, unlike your foray into equity investing, this time you cannot afford on-the-job training. You need income now. Plus, you have less time to recover from any mistakes.

Designing Your Retirement Portfolio

Experience and Knowledge You Can Trust

You have retirement accounts in a few different places, 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.

Can You Do It Yourself?

Designing Your Retirement Portfolio
  • Understanding interest rates, bonds, annuities, and dividend stock investing along with other transition products can be challenging, if not confusing.
  • As with most things in life, the first step is often difficult, but securing sound financial advice shouldn’t be left until it’s too late.
  • Finding a licensed and knowledgeable resource—it’s the best financial advice you’ll ever receive.
Designing Your Retirement Portfolio

Or Do You Need a Financial Advisor

Designing Your Retirement Portfolio
  • understands the challenges of retiring with interest rates low and stock prices high
  • will work to keep your costs low – because in a low yield world, the less you pay to someone else, the more you keep for yourself
  • with a keen understanding of interest rates and the bond market:
  • knowledge that is imperative when one talks about retirement income;
  • has access to the products necessary to help you transition from growth to income;
  • will research your retirement accounts and let you know if leaving it with your 401k or 403b is a good option, or roll it over

Read more: My Wealth Management

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February 2020
  • You should consider me as your retirement planning advisor when switching from growing your retirement accounts to distributing them.
  • This transition usually means moving some money from stocks to bonds, and I am well-schooled in the economy, inflation, interest rates, and bonds.
  • Before coming to Cambridge in 2010, I spent 20 years with MetLife, so I am also well versed in guaranteed retirement products such as variable and fixed annuities.

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Financial Advisor Andover | Tim Hayes AIF, CRPS, AWMA, CFS, APMA


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