Financial Advisor Salem and the North Shore
Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®
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 30 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.
Economic Insights: The Coronavirus Outbreak Has Caused Economic Chaos and Uncertainty
Towns Where I Work
Ipswich, Essex, Gloucester, Manchester-by-the-Sea, Beverly, Danvers, Peabody, Salem, Marblehead, Swampscott, Nahant, Lynn, Saugus, Revere, Winthrop.
Whom Am I Affiliated With?
I am an Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., a $94B RIA based in Fairfield, IA. Also registered with Cambridge Investment Research, Inc., a broker-dealer with over 3,000 registered representatives nationwide.
FREE PHONE CONSULTATION – Reach out to m by EMAIL or TEL. 508-277-5847 for a NO OBLIGATION consult
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.
Read more: Flexible Payment Choices
My Roots in Salem
I grew up in Beverly, lived in Salem when I finished college, and spent my summers bartending at the Corinthian Yacht Club in Marblehead while going to college.
No Cookie-Cutter Solutions
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.
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 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.
Investment Adviser Representative
An Independent Financial Advisor With the Tools and Expertise to Build Life the Way You Like It
Over the years you’ll likely change jobs a few times. Your goals and risk tolerance will change, too.
My investment ideas are only as good as their ability to keep up with you, so it all starts with getting to know you and your current investing situation. You may simply need your portfolio fine-tuned, or perhaps major changes are in order. Whatever the case, I’ll recommend a customized portfolio that addresses your needs and goals. And, as your financial advisor, I’ll commit to reviewing your portfolio at least once a year.
Whether you’re looking to change jobs, shifting gears into retirement, or already participating in a investment plan at work (401(k), 403(b), etc.), you owe it to yourself and your family to make sure you’re doing the right things at the right time.
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Financial Advisor Salem | Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®