508-277-5847 [email protected]

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

Financial Advisor Dartmouth & Westport

Services for Individuals, Couples, and Companies



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

Investment Advisor

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


I have been a professional financial advisor for 30+ years.


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

Because I am Independent

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


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


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


Design a strategy to reduce your tax burden.

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Financial Advisor Dartmouth 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 Dartmouth & Westport Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®

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