508-277-5847 [email protected]

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

Financial Advisor Marblehead

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.

Financial Advisor Marblehead

Personalized Advice

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

No cookie-cutter solutions! Being an independent financial advisor means I have the freedom to choose from all the options available to you and recommend the ones I feel are best suited to your needs. Regardless of who’s offering it.

Financial Advisor Marblehead

Independent Advice

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

I am affiliated with Cambridge Investment Research Inc., an independent broker-dealer for financial professionals dedicated to offering objective investment advice to clients. My affiliations might not be the biggest, but my expertise is on significant issues affecting clients, individuals, or corporate.

Financial Advisor Marblehead

Gather Your Financial Information

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

This discovery questionnaire (16-page pdf) will help you generate thought, questions, and opinions about your personal financial goals and situation. The completion of this document will allow us to have a meaningful and productive conversation about your financial future.

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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.

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. 

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.

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). Both are available to any person who generates income from self-employment.

Bitcoin the Future of Money or a Novelty?

Proponents hail bitcoin as the world’s first virtual currency, forgetting or unaware that 97% of today’s money is virtual. [i] Transacted without using physical cash, it is instead processed with bank money consisting of computer digits.

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