Financial Planning Process

About Financial Advisor Tim Hayes

Tim Hayes

Financial Advisor

508-277-5847

No Cookie-Cutter Solutions

I am an independent Financial Advisor with Cambridge Investment Research and Cambridge Investment Research Adviser,s Inc

Your Financial Planning 

  Starts with gathering your financial information into one place, to generate thoughts, questions, and opinions about your personal financial goals and situation.

1
Financial Planning Process

You gather your data: financial questionnaire, tax forms, brokerage statements, retirement accounts statements, mutual fund and annuity statements, insurance policies

2
Financial Planning Process

You establish goals: college funding, comfortable retirement, income needs, second home, travel

3
Financial Planning Process

I analyze information: mutual fund and ETF due-diligence, retirement planning, asset allocation and risk tolerance analysis

4
Financial Planning Process

Make recommendations: product solutions: stocks, bonds, mutual funds, ETFs, annuities, life insurance plans, tax reduction strategies

5
Financial Planning Process

I monitor and update: annual reviews, twice a year email updates, monthly brokerage statements, cirstatements online reporting of your accounts

Planning

The Impact of Tax Cuts on Your State Income Taxes & Financial Planning

Should you make any changes to your financial planning?

 

 

Investing

Fee-Only or Commission What’s Best for You

Fee-only financial advisors are fiduciaries legally obligated to do what is in the client’s best interest and to reduce any conflicts of interest.

 

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