508-277-5847 [email protected]

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

Begin the Discussion On How You Can Protect and Grow Your Assets

Wealth Management, Financial Planning, Retirement Planning

Investments

I develop your personalized portfolio then review it with you once a year at a minimum.

For more information:
Portfolio Review

Retirement Planning

I advise you on rollovers from your employer’s retirement plan, including plans in which you own company stock. I then design strategies for income planning during retirement.

For more information:
It Is Not Your Fault You Retired When the Stock Market is High and Interest Rates are Low

Employers

I design and service your retirement plans to meet the goals of the organization in accordance with ERISA, the Internal Revenue Code, and the Department of Labor.

For more information:
How Effective Is Your Plan Management Process (pdf)

Executives & Top Management

I advise you on your non-qualified deferred compensation, key employee insurance, and company stock.

Insurance

I construct strategies for your individual life and disability insurance needs. Also, design group life and disability plans for companies and nonprofits as well as carve-outs for the executives of the organization.

Why Should I Hire You?

Life isn’t all about money, but it is an important tool for building the life you want. And, like any tool, best results happen when skilled, experienced hands are in control of it.

For over 30 years, I have studied the financial markets, always striving to learn and adapt my knowledge to the new financial “normal” as it is continually redefined. The result: I can help you make smart investment decisions for every stage of your life, under all market conditions.

Investing In an Overpriced Stock Market

How Much Do You Charge?

Clients have 3 payment options. Most pay fee-only of 1% or less depending on the size and complexity of their wealth management needs.

Some clients prefer to pay an hourly fee. This is ideal for customers that want financial planning, retirement planning, or wealth management advice but don’t want to move their accounts.

Others prefer the commission model. The commission varies by product. Ideal for smaller accounts (less than $50,000)

Fee-Only or Commission What Standard of Care is Best for You?

Do We 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 and email replacing in-person meetings)

Subsequent meetings where we monitor your progress and investments can be done in-person, by phone, email, or skype or, more likely, a combination of these meeting types.

Whom Am I Affiliated With?

I am an Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser based in Fairfield, IA.  Also registered with Cambridge Investment Research, Inc., an independent broker-dealer with over 3,000 registered representatives nationwide.

My Financial Advisor Experience

I’ve held an industry securities registration for 30+ years and am subject to SEC and FINRA oversight.

Diversification and Investment Portfolio Design

Is there an aspect of your work that we did not discuss that you would like included in this profile?

One can read more about my business on my case details pages.

If you’re concerned about your financial future, let’s talk