Financial Advisor Fairhaven 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
Investment Adviser Representative
More About Tim
Expert and highly personalized financial planning, retirement planning, and independent investment solutions, when you need an independent financial advisor in Massachusetts — Boston and Greater Boston, Salem or the North Shore, Hingham, or another town on the South Shore, Andover and the Merrimack Valley, the Metrowest including Foxboro, or the Southcoast, Martha’s Vineyard, Nantucket, and Newport RI from my Dartmouth office.
My Financial Advisor Services
I help both individuals and businesses reach their goals. With no proprietary product requirements or quotas, you benefit from objective advice.
- Wealth Management, Financial Planning & Retirement Planning advice for your brokerage accounts, Rollover IRA’s, 401(k)s, 403(b), annuities, 529 plans, etc. I can also help you with your life and disability insurance.
- Advise companies on their 401(k) plans, SEPs, SIMPLE, 403(b), ESOP, and Define Benefit Plans. Help with group life and disability.
- Help executives and partners design their deferred compensation plans, key employee insurance, and buy-sell agreement review.
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, skype, Zoom, and email replacing in-person meetings)
Subsequent meetings where we monitor your progress and investments can be done in-person, by phone, email, Zoom, or skype or, more likely, a combination of these meeting types.
How Much Do You 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.
First, delay taking social security until age 70 by working either full- or part-time. Second, withdraw annually from your IRAs or 401(k)s based on the IRS’s minimum requirement tables.
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.
Many financial advisors are registered as both representatives of a broker-dealer and as investment-advisor representatives of an investment advisor.
Public employees in Massachusetts do not contribute to the Social Security system, but many of them contribute through other jobs. Some also have spouses who take part in the Social Security system. Both scenarios are affected by two federal laws.