Latest News I am fully vaccinated against COVID!

Martha’s Vineyard & Nantucket Financial Advisor for Retirement

Tim Hayes, CRPS®, AIF®, AWMA®, CFS™, CTS™, CES™, APMA®, CAS® 

Retire Comfortably and Meet Your Goals

For example, after a lifetime of working for large firms, maybe you are practicing architecture from a home office on a part-time basis. Your wife, who is still working full-time as a teacher in a private school, would like to retire within the next couple of years. You own a couple of houses and several 401k retirement plans with little additional income besides your social security.

Along with great careers, you have built up substantial 401k balances. It took a while, but you got the hang of investing in equities, never comfortable with the ups and downs but always focusing on long-term growth.

Read More: Retiring When the Stock Market Is High, and Interest Rates Are Low

Can You Do It Yourself?

However, now you need income, not growth. Over the years, you owned some bonds with mixed success. Moreover, unlike your foray into equity investment, this time, you cannot afford on-the-job training. Plus, you have less time to recover from any mistakes.

Or Do You Need a Financial Advisor

  • with a keen understanding of interest rates and the bond market:
  • the knowledge that is important when one talks about retirement income
  • access to the products necessary to help you transition from growth to income
  • will research your accounts and let you know if leaving them with your 401k is a good option or roll it over
  • will work to keep your costs low – because in a low yield world, the less you pay to someone else, the more you keep for yourself

Tim Is A Financial Advisor Who Can Assist You With the Following:

Retirement Financial Needs

Review and assessment of your needs

Portfolio

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

Taxes

Recommend a strategy for minimizing your tax burden

Independence

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

Because I am Independent

No requirements to use a specific tool. Instead, you benefit from advice and products tailored to your unique financial needs.

Costs

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

Please be sure to speak to your advisor to carefully consider the differences between a company retirement account and an IRA investment. These factors include changes to the availability of funds, withdrawals, fund expenses, fees, and IRA-required minimum distributions.

Read More: Should You Roll Over Your 401k to an IRA?

When We Are Done

You get a retirement portfolio where all of your investments work together to meet your retirement income goals.


Scroll to Top