508-277-5847 [email protected]

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

Financial Advisor Norwood & Westwood

Services for Individuals, Couples, and Companies

 

 

Contact About

Coronavirus

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

Financial Advisor Norwood

Investment Adviser and Broker-Dealer

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

Registered with Cambridge Investment Research, Inc., a broker-dealer with over 3,000 Registered Representatives nationwide. Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., an RIA based in Fairfield, IA. 

Financial Consultant Norwood

My Financial Advisor Services

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

I help both individuals and businesses reach their goals. With no proprietary product requirements or quotas, you benefit from objective advice.

  • Wealth Management, Financial Planning & Retirement Planning advice for your brokerage accounts, Rollover IRA’s, 401(k)s, 403(b), annuities, 529 plans, etc. I can also help you with your life and disability insurance.
  • Advise companies on their 401(k) plans, SEPs, SIMPLE, 403(b), ESOP, and Define Benefit Plans. Help with group life and disability.
  • Help executives and partners design their deferred compensation plans, key employee insurance, and buy-sell agreement review.

Learn More

Financial Consultant Norwood 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.

FAQs

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

Independent solutions for you!

As an independent financial advisor, I have access to many financial products, including mutual funds, ETFs, stocks, bonds, and annuities. I use them to build custom portfolios, trusts, and retirement plans for people and organizations.

My Financial Advisor Experience

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

Do We Need to 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 a phone, skype, Zoom, and email replacing in-person meetings)

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

How Much Do You Charge?

Most clients pay fee-only or an hourly rate. The size and complexity of the client’s wealth management and financial and retirement planning determine that fee.

Some clients pay a commission, mainly those with smaller accounts, i.e., Roth IRAs, some public-school teachers with 403b retirement accounts or parents or grandparents setting up a 529 college savings plan.

More About Tim

Expert and highly personalized financial planning, retirement planning, and independent investment solutions, when you need an independent financial advisor in Massachusetts — Salem or the North Shore, Hingham, or another town on the South Shore, Andover and the Merrimack Valley, the Metrowest including Foxboro, or the Southcoast, Martha’s Vineyard, Nantucket, and Newport RI from my Dartmouth office.

 

P.S. I wrote the investment column for New England Monthly and SOCO for three years.

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