Put Your Money In the Hands That Know Best 508-277-5847 [email protected]

FINANCIAL ADVISOR BROOKLINE & NEWTON TIM HAYES

Experience & Knowledge You Can Trust

Wealth Advisor, Financial Planning, Retirement Planning

 

 

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Financial Advisor Brookline & Newton

Tim Hayes

Financial Advisor Brookline & Newton | Tim Hayes AIF, CRPS, AWMA, CFS, APMA

No CookieCutter 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. So when you need an independent financial advisor in Greater Boston – Brookline, Milton, Newton, Weston, or Belmont.

There is no charge for the initial consultation, and it can be at your home, office, or favorite coffee shop.

Case Studies

Financial Advisor Brookline

Wealth Advisor

Tim is a financial advisor with the experience and knowledge you can trust to know which investment vehicles may be right for you.

Financial Planning

Whether you are an individual, small business, or company executive, Tim will put you on a financial path that is right for you.

Retirement Planning

Tim is an independent financial advisor that knows how to adjust your financial startegy to the changes life throws at you.

Products & Services

Financial Advisor Brookline & Newton | Tim Hayes AIF, CRPS, AWMA, CFS, APMA

 

Financial Planning

Expert and personalized financial planning solutions for individuals, couples, and small businesses in MA, RI, NH, and ME.

Financial Planning for Retirees

My financial planning for retirees is ongoing as we continue meeting and adjusting your accounts, getting you the income and security.

Designing Your Retirement Portfolio

Generating lifetime Income from Your 401(k), 403(b), or Rollover IRA that you won’t outlive.

Retirement Adviser

Advising you in all three stages: saving for retirement, transitioning towards, or generating income during.

Wealth Advisor

Design your portfolio to meet your goals consistent with how much risk you are comfortable taking.

Investment Advisor

Measure how well your investments match up with your risk tolerance and goals and income needs.

Independent, But Not Alone

Financial Advisor Brookline & Newton | Tim Hayes AIF, CRPS, AWMA, CFS, APMA

Cambridge Investment Research, Inc., is an independent broker-dealer with over 3,000 registered representatives nationwide dedicated to offering objective investment advice to clients.

I am also an Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., a $94B SEC-registered investment adviser based in Fairfield, IA. I’ve held an industry securities registration for 30+ years and am subject to SEC and FINRA oversight.
  • You will understand investment concepts – I talk in familiar language, not financial jargon.
  • You will make educated investment decisions with the help of my objective, independent research.
  • I am free to collaborate with you and advise you objectively as we design a written financial plan to address your concerns and establish a path to your goals and dreams.
  • You will be able to trust and confide in me, as I will understand and prioritize your financial priorities and goals. I will serve you in a relationship.
  • You will not have to explain your financial history again and again to a series of new faces; I will be here for you.
  • Most clients pay fee-only or an hourly rate. The size and complexity of the client’s wealth management and financial and retirement planning determine that fee.
  • Some clients pay a commission, mainly those with smaller accounts, i.e., Roth IRAs, some public school teachers with 403b retirement accounts or parents or grandparents setting up a 529 college savings plan.
  • The first introductory and fact-finding appointment can be in person or by phone. The next meeting where I provide my recommendations should be in person.
  • Subsequent meetings where we monitor your progress and investments can be done in-person, by phone, email, or skype or, more likely, a combination of these meeting types.

Why Choose Me

Financial Advisor | Tim Hayes AIF, CRPS, AWMA, CFS, APMA

Financial Planning

Review your assessment of your needs.

Portfolio

Recommend investments, based on an explicit balance of growth vs. security.

Taxes

Tax-reducing strategies such as municipal bonds, annuities, net unrealized appreciation, and selling specific shares of stock.

Independence

I am an advisor who is not selling any proprietary products or has any sales quotas

Because Independent

You benefit from advice and products tailored to your unique financial needs.

Cost

Hourly cost or fee-only, with an estimate of a not-to-exceed price for the initial consultation, and annual follow-ups

Five Star Wealth Manager

Named a Five Star Wealth Manager 6 Years Running

In 2018, 2819 Boston wealth managers were nominated with only 487 projected winners.

To receive the Five Star Wealth Manager award, financial advisors must satisfy a series of eligibility and evaluation criteria associated with wealth managers who provide services to clients. Recipients are identified through research conducted by industry peers and firms. Third party rankings and recognitions from rating services or publications are not indicative of past or future investment performance.For more information, go to www.fivestarprofessional.com.

Credentials

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Accredited Portfolio Management Advisor℠, or APMA®

Individuals who hold the APMA® designation have: The Accredited Portfolio Management Advisor℠ or APMA® Program is a professional designation program for financial professionals. The program is designed to educate advisors on the subtler points of portfolio creation, augmentation, and maintenance. Topics covered include:

  • client assessment and suitability
  • risk/return, investment objectives
  • bond and equity portfolios
  • modern portfolio theory
  • investor psychology
  • and other topics germane to building appropriate client portfolios

Accredited Investment Fiduciary, or AIF®

Individuals who hold the AIF® designation have:

  • Completed the AIF® Designation Training;
  • Passed the AIF® designation exam;
  • Met the designation’s prerequisites and qualification and conduct standards;
  • Accrued a minimum of six hours of continuing professional education, with at least four hours coming from fi360-produced sources;
  • Attested to a code of ethics.

Chartered Retirement Plans Specialist, or CRPS®

Individuals who hold the CRPS® designation have:

  • Completed a course of study encompassing design, installation, maintenance and administration of retirement plans;
  • Passed an end-of-course examination that tests their ability to synthesize complex concepts and to apply theoretical principles to life situations;
  • Pledged adherence to the CRPS® Standards of Professional Conduct, and are subject to a disciplinary process in that regard.

CRPS® designees renew their designation every two years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirement

Certified Fund Specialist, or CFS®

CFS designation is awarded upon passing an examination on mutual funds, ETS, REIT’s, closed-end funds, and similar investments. Advanced studies on topics include:

  • Fund analysis and selection;
  • Asset allocation;
  • Portfolio construction;
  • Sophisticated investment strategies for risk management, taxes, and estate planning.

Accredited Wealth Management Advisor, or AWMA®

Individuals who hold the AWMA® designation have:

  • Completed a course of study encompassing wealth strategies, equity-based compensation plans, tax-reduction alternatives, and asset-protection alternatives;
  • Passed an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations;
  • Agreed to adhere to the AWMA® Standards of Professional Conduct, and are subject to a disciplinary process in that regard.

AWMA® designees renew their designation every two years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirements.

Securities Licenses

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Series 66 Exam, Taken 12-18-2012, Scored 93%

Passing the exam qualifies candidates as both securities agents and investment advisor representative.

Series 7 Exam, Taken 07-20-2005, Scored 92%

Individuals who pass the Series 7 examination are eligible to trade all securities products: corporate securities, municipal fund securities, options, direct participation programs, investment company products, variable contracts, etc.

Series 63 Exam, taken 03-22-1989

The exam qualifies candidates as securities agents within a state. Nearly all states require people to pass the Series 63 for state registration.

Series 6 Exam, Taken 02-23-1989, Scored 92%

The exam measures the degree to which each candidate possesses the knowledge needed to offer the products of investment and insurance companies, including the sales of mutual funds and variable annuities.

Other Licenses

I am also licensed to offer life, health, accident, disability and long-term care insurance plans, as well as fixed annuities.

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Financial Advisor Brookline & Newton | Tim Hayes AIF, CRPS, AWMA, CFS, APMA

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Financial Advisor Brookline & Newton | Tim Hayes AIF, CRPS, AWMA, CFS, APMA

 

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