508-277-5847 [email protected]

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

Financial Advisor Belmont

Services for Individuals, Couples, and Companies

 

 

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Coronavirus

For the time being a phone, Zoom, Skype, or email is replacing in-person meetings.

Wealth Management

Financial Advisor Belmont Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®

We meet to talk about your goals so I can get a snapshot of your current investments. I ask each of my soon-to-be-clients to take an online risk profile assessment, so I can see whether your current assets match your goals and risk tolerance.

If your goals and risk tolerance are in sync, we may simply fine-tune your current portfolio. But if they are out of whack, I will design you a new custom portfolio that better reflects your risks and goals. We will commit to reviewing your portfolio at least once a year.

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Financial Advisor Belmont Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®

Investing In an Overpriced Stock Market

Is the U.S. stock market overpriced today? According to two measures of value, Q Ratio and CAPE the answer is yes—and dangerously so.

Retirement Plans for Self-Employed

I would like to give some love to two under-appreciated retirement plans: (1) the Simplified Employee Pension (SEP), and (2) the Solo 401(k).

Fee-Only or Commission What is Best for You?

Fee-Only or Commission What is Best for You? Many financial advisors are registered as both representatives of a broker-dealer and as investment-advisor representatives of an investment advisor

Retiring 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. However, now you need income, not growth.

403b Retirement Catch-Up Options for Public School Employees

Public school educators, including university professors and administrators, can save more pre-tax than any other public or private-sector employee.

Active vs Passive Investing

Over the last ten years, however, $1 trillion of investors’ money has moved from active to indexes. A big reason for this is that, over that same period, most active managers have underperformed lower cost-index options.

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Financial Consultant Belmont Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®

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