When You Need Retirement Income

  • 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.

Must read articles about income

10 Years After the Financial Crisis,  Does the U.S. Still Have a Debt Problem?

10 Years After the Financial Crisis, Does the U.S. Still Have a Debt Problem?

Yes. The amount of debt today is higher than it was before the financial crisis. ...
Investing in an Overpriced Stock Market

Investing in an Overpriced Stock Market

The U.S. stock market has come a long way from its Great Recession low. That low, at which the S ...
It Is Not Your Fault You Retired When the Stock  Market is High and Interest Rates are Low

It Is Not Your Fault You Retired When the Stock Market is High and Interest Rates are Low

You just retired. Along with a great career, you have built up a substantial 401(k) balance. It ...
Diversification and Rebalancing: A Retirement Saver’s Best Friend

Diversification and Rebalancing: A Retirement Saver’s Best Friend

Diversification is the proverbial don’t put all your eggs in one basket. So within an asset class ...

Recent Economy, Markets, and Interest Rates Articles

Can Tax Cuts Stimulate the Economy?

Can Tax Cuts Stimulate the Economy?

By: Tim Hayes Financial Advisor - posted in: Retirement Income - Last updated Jul 18, 2019

President Trump’s tax proposal has four goals: (1) to “make the tax code simpler,” (2) to “give employees a raise” by reducing their income taxes, (3) to “level the playing field” by cutting taxes on American companies, and (4) to provide incentives for businesses to “bring back” the $2.5 trillion of cash they hold overseas

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What Politicians and Real Estate Developers Get Wrong About Government Debt and Deficits

What Politicians and Real Estate Developers Get Wrong About Government Debt and Deficits

By: Tim Hayes Financial Advisor - posted in: Retirement Income - Last updated Jul 19, 2019

The deficit is the annual difference between what the U.S. government spends and what it takes in by taxing. The debt adds up all of those yearly deficits. If our country’s goal is less government debt, we have a few options:

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I’m Positive Negative Interest Rates Won’t Work

I’m Positive Negative Interest Rates Won’t Work

By: Tim Hayes Financial Advisor - posted in: Retirement Income - Last updated Jul 19, 2019

There is much talk in the financial press about Central Banks imposing ‘negative interest’ rates—which adds yet another oxymoron to a list that includes ‘Great Depression,’ ‘jumbo shrimp,’ and ‘open secret.’

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Financial Advisor Tim Hayes
  • 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.

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