508-277-5847 [email protected]

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

Financial Advisor Milton

Services for Individuals, Couples, and Companies

 

 

Contact FAQ

Coronavirus

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

My Core Values

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

Minimize conflicts of interest, so that I can provide objective advice

Work with individuals to build or update their personalized investment portfolios based on their goals and risks and then review their portfolios at a minimum.

Also, advise on any possible rollovers from employer retirement plans and help design strategies for income planning for retirement income.

I can also advise on your life and disability insurance needs.

For companies and not-for-profits, implement, manage, and service their retirement plans per the rules and regulations of ERISA and the Department of Labor (DOL). I also can install and manage their group life and disability plans.

Advice executives and business owners on their nonqualified deferred compensation plans, stock options, and company stock. (net unrealized appreciation), NUA)

Most client investment accounts held at Pershing LLC and Fidelity Investments, Pershing, is a wholly-owned subsidiary of the Bank of New York Mellon Corporation. (BNY Mellon)

Financial Advisor Milton

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Financial Advisor Milton 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.

Payment Options

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

With So Many Investment Possibilities, How Do You Know What's Best?

Tim is a financial advisor with the experience and knowledge you can trust  to know which investment vehicles may be right for you.