Wealth Advisor

OUR CASES

TIM HAYES AIF®, CRPS®, AWMA®, CFS®, APMA®

Cambridge Investment Research

Cambridge Investment Research

Cambridge Investment Research is an independent broker-dealer for financial professionals dedicated to offering objective investment advice to clients. Investment advisory services are offered through Cambridge Investment Research Advisors, Inc., a federally registered investment advisor.

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Investment Process

Investment Process

Consider me for your financial 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, markets, interest rates, and the bond market.

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Portfolio Review

Portfolio Review

I calculate the fees and costs that you are currently paying. Compare them to a hypothetical portfolio built using mutual fund and exchange-traded funds (ETF) that have passed my due diligence process. We also examine how well your current investments are performing relative to specific benchmarks and the hypothetical portfolio.

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Rebalancing Your Accounts

Rebalancing Your Accounts

Because the stock market is significantly overvalued at this time, now is an excellent time to consider rebalancing your portfolio. For example, if eight years ago you were comfortable with an asset allocation of 60% in stocks and 40% in bonds, now, after more than a doubling of the stock market, that portfolio might be 75% stocks and 25% bonds.

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Fee-Based Accounts

Fee-Based Accounts

The client needs a minimum of $100,000. It can include just about any account: IRAs, 403bs, joint accounts, personal brokerage accounts, etc. The fee charged depends on the size of your account and the complexity of your wealth management but it is never greater than 1%.

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Mutual Fund & ETF Due Diligence

Mutual Fund & ETF Due Diligence

I screen 10,000+ funds down to a couple hundred eligible for use in your portfolio — the process screens for manager tenure, fees, performance, and style. I cross-reference my results with fi360’s Fiduciary Score. That score is an easy-to-use use and easy-to-understand method for objectively comparing peer investments and determining their overall appropriateness.

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Tim offers financial and consulting services to help meet your unique needs.

 

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