508-277-5847 [email protected]
Portfolio Management

Portfolio Management

Portfolio Management

Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®

Bigger Accounts

The client needs a minimum of $100,000. It can include just about any account: IRAs, 403bs, joint accounts, personal brokerage accounts, etc.

  • Your account size and the complexity of your wealth management will determine fees, but it is never greater than 1%.
  • The accounts are primarily invested in mutual funds and exchange-traded funds (ETFs). All funds have passed my rigorous due diligence process.
  • I design the portfolio to meet your goals and ensure it is consistent with how much risk you are comfortable with taking.
  • After the account is set up, you receive monthly statements, and you can follow your account online with CirStatements.
  • We periodically meet to check the portfolio, discuss performance and rebalancing, and confirm you are on track to achieve your goals.
  • The custodian for the accounts will be Pershing, a Bank of New York Mellon.

Investing In an Overpriced Stock Market

If You Don’t Have $100,000 to Invest

My fee-based accounts require a minimum of $100,000; if you have less than this amount to invest, I usually charge a commission or an hourly rate.

  • However, I use the same due diligence process for building your portfolio. I use mutual funds and exchange-traded funds (ETFs) that have passed my due diligence process screening for low fees, historically competitive performance, low fund turnover, and long manager tenure.
  • I work with all types of account registrations: IRAs, Roth IRAs, 403(b)s, SEPs, SIMPLES, 529 Plans, etc. After the portfolio is set up, you will receive monthly or quarterly statements. You can follow your account online at CirStatements.
  • The custodian for the accounts will be Pershing, a Bank of New York Mellon company, or the fund family directly.
  • Periodically, we will meet to check if the portfolio is on track, monitor performance, and discuss rebalancing.

These are the opinions of Tim Hayes and not necessarily those of Cambridge Investment Research. They are for informational purposes only, and should not be construed or acted upon as individualized investment advice

About Financial Advisor Tim Hayes

Tim Hayes

Financial Advisor

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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.

Fee-Only or Commission What Standard of Care is Best for You?

401k Plan Consulting

401k Plan Consulting

401k Plan Consulting

Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®

401k Services

  • I work with your retirement plan’s administrator to build or update your investment policy statement (IPS).
  • Build a template for your company’s 401(k) or not-for-profit 403b based on your investment policy statement.
  • Produce plan-specific investment recommendations and reports as well as fees and compliance reports.
  • Be there when you need me — for enrollments, the continuing education of the employees, and quarterly and yearly fiduciary reviews.
  • Provide investment advice to plan participants
  • Encourage them to take an online risk profile assessment that we can use to help them re-balance their accounts or allocate their contributions.
  • For companies without a retirement plan, I size up and help implement the one (401(k), Profit-Sharing, 403(b), SIMPLE, or SEP) that works best for your company.

* The purpose of the IPS is to set up guidelines for the portfolio or retirement plan.

More About Tim

Expert and highly personalized financial planning, retirement planning, and independent investment solutions, when you need an independent financial advisor in Massachusetts — Boston and Greater Boston, Salem or the North Shore, Hingham, or another town on the South Shore, Andover and the Merrimack Valley, the Metrowest including Foxboro, or the Southcoast, Martha’s Vineyard, Nantucket, and Newport RI from my Dartmouth office.

Book an Appointment

July 2020
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2829301234
567891011
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2627282930311

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.

Fee-Only or Commission What Standard of Care is Best for You?

Life Insurance Needs Analysis

Life Insurance Needs Analysis

Life Insurance Needs Analysis

Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®

THERE ARE TWO TYPES: TERM AND PERMANENT

  • Job one is matching your needs with the right plan.
  • Job two is choosing the insurance company and designing the policy.

Plan design is especially crucial if you need permanent coverage. As there are more types of plans: whole life, universal life, and variable life and policy design can have an impact on your costs and coverage.

Life insurance is one of the most important but least understood financial products. After the death of a loved one, it can offer enormous financial comfort to your beneficiaries. However, because of how it has been sold (high pressure) together with the buying process (which can be cumbersome), many Americans don’t have enough.

PARTIAL LIST OF INSURANCE COMPANIES I WORK WITH

  • Prudential
  • Jackson National
  • AXA
  • New York Life
  • MassMutual
  • Pacific Life

I spent the first part of my career with MetLife, so I am well-versed in guaranteed products such as life insurance and fixed annuities.

These are the opinions of Tim Hayes and not necessarily those of Cambridge Investment Research. They are for informational purposes only and should not be construed or acted upon as individualized investment advice.

Make a Life Insurance Appointment

July 2020
SunMonTueWedThuFriSat
2829301234
567891011
12131415161718
19202122232425
2627282930311

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.

Fee-Only or Commission What Standard of Care is Best for You?

If you’re concerned about your financial future, let’s talk