508-277-5847 [email protected]

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

Financial Advisor Norwell

Services for Individuals, Couples, and Companies

 

 

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Coronavirus

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

Put Your Money in the Hands That Know Best

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 25 years, I have studied the financial markets, always striving to learn more about, 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.

Don’t know what kind of investment to make?

Every smart investment decision starts with listening to you and asking you the right questions, which include:

  • What are your short-term and long-term financial goals?
  • What kinds of financial assets are you working toward?

As an independent financial advisor, I have access to many financial products, including mutual funds, ETFs, stocks, bonds, annuities, and life insurance programs. I use these and other products to build custom solutions for people, according to their individual needs and goals.

A top independent broker-dealer

Cambridge Investment Research is an independent broker-dealer for financial professionals dedicated to offering objective investment advice to clients. Investment advisory services are offered through Cambridge Investment Research Advisors, Inc., a federally registered investment advisor.

Financial Consultant Norwell

Cambridge is fully devoted to four core values: integrity, commitment, flexibility, and kindness.

Financial Advisor Norwell

Not sure which retirement plan is best for you?

I build and manage retirement accounts for individuals with IRAs, Massachusetts public-school teachers with 403(b) accounts, and self-employed business owners for whom I design and manage SIMPLE, Solo 401(k) plans, and SEP Plans.

I also help employers to improve their 401(k) plans.

Financial Consultant Norwell

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Financial Advisor Norwell 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).

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. Transacted without using physical cash

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.

International Investing

Public school educators, including university professors and administrators, can save more pre-tax than any other public or private-sector employee.

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