508-277-5847 [email protected]

Financial Advisor Andover & North Andover

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

Tim brings 30 years of experience as a professional financial adviser. Be they individuals, couples, families, or groups, they will benefit from his custom portfolios, trusts, and retirement plans. He builds portfolios for small business owners when he arranges their 401(k), SIMPLE, and SEP plans, for public school employees when he sets up their 403(b) and for IRAs and rollover IRAs. For any portfolio, he can access thousands of mutual funds, ETFs, stocks, bonds, life insurance programs, and annuities.

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.

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

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.

How the New Retirement Secure Act Impacts You

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July 2020

No Cookie-Cutter Solutions

As an independent financial advisor, Tim has access to many financial products, including mutual funds, ETFs, stocks, bonds, and annuities. He uses them to build custom portfolios, trusts, and retirement plans for people and organizations.

Social Security When Should You Start Taking It?

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