508-277-5847 [email protected]

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

Financial Advisor Hopkinton

Services for Individuals, Couples, and Companies

 

 

Contact About

Coronavirus

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

Tim is a Financial Advisor Who Can Help You

Financial Advisor Hopkinton Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®

  • Measure how well your investments match up with your risk tolerance and goals and income needs.
  • Taxes design a strategy for minimizing your tax burden.
  • Portfolio recommend investments based on an explicit balance of growth vs. security
  • 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 you a new portfolio.
  • Build that portfolio using your risk tolerance with the goal of creating enough retirement income but not outliving your money.
  • Look over any pension options for which you may be eligible, review any Social Security and Medicare questions you may have.
  • Examine any group life policies you may want to convert to an individual policy.
Financial Advisor Hopkinton

Learn More

Financial Advisor Hopkinton 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?

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.

If you're concerned about your financial future, lets talk