Financial Advisor Dover & Sherborn Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®
Begin the Discussion On How You Can Protect and Grow Your Assets
Wealth Management, Financial Planning, Retirement Planning
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 investments match your goals and risk tolerance. Diversification and Investment Portfolio Design
If your objectives and risk tolerance are in sync with each other, we may fine-tune your current portfolio. If they are out of whack, I will design a new custom portfolio that better reflects your risks and goals. We commit to reviewing your portfolio at least once a year.
When you need life or disability insurance, we determine together how much coverage you need. Then we decide on the type of insurance policy that suits you best: term, whole life, universal or variable life, short- or long-term disability.
We figure out whether you should keep your 401(k) or 403(b) with your previous employer or roll it into an IRA, where I will build a new portfolio for retirees or job changers.
Plus, we review any pension options for which you may be eligible, review any Social Security or Medicare questions you may have, or examine any group life and disability policies you may want to convert.
We consider the choices available to you in your 403b or 457 plan for educators and other public employees. I recommend one or two of them, and then I build and monitor your portfolio. Financial Advisor Dover & Sherborn 403b Plans.
A top independent broker-dealer
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.
Cambridge is fully devoted to four core values: integrity, commitment, flexibility, and kindness.
Please be sure to speak to your advisor to consider the differences between your company retirement account and investment in an IRA. These factors include, but are not limited to, changes to the availability of funds, withdrawals, fund expenses, fees, and IRA-required minimum distributions.
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.
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.
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