Whom Am I Affiliated With?
I am an Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., a $44B RIA based in Fairfield, IA. Also registered with Cambridge Investment Research, Inc., an independent broker-dealer with over 3,000 registered representatives nationwide.
My Financial Advisor Experience
I’ve held an industry securities registration for 30+ years and am subject to SEC and FINRA oversight.
My Roots in Boston
For the past ten years, I’ve been living in the South End of Boston. I have many clients living or working in Boston and the surrounding cities and towns.
How Much Do I Charge?
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.
Do We Need to Meet in Person?
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. (For the time being phone and email replacing in-person meetings)
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.
No Cookie-Cutter Solutions
As an independent financial advisor, I have access to many financial products, including mutual funds, ETFs, stocks, bonds, annuities, and life insurance programs. I use these and other products to build custom solutions for people according to their individual needs and goals.
More About Tim
Over the years, you’ll likely change jobs a few times. Your goals and risk tolerance will change too.
My investment ideas are only as good as their ability to keep up with you, so it all starts with getting to know you and your current investing situation. You may need your portfolio fine-tuned, or perhaps major changes are in order. Whatever the case, I’ll recommend a customized portfolio that addresses your needs and goals. And, as your financial advisor, I’ll commit to reviewing your portfolio at least once a year.
Whether you’re changing jobs, shifting gears into retirement, or already participating in an investment plan at work (401(k), 403(b), etc.), you owe it to yourself and your family to make sure you’re doing the right things at the right time.
FREE PHONE CONSULTATION – Reach out to me by EMAIL or TEL. 508-277-5847 for a NO OBLIGATION consult