Financial Advisor Salem & Beverly Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®
Investing On Your Own Isn’t Always Best for You
Wealth Management, Financial Planning, Retirement Planning
Independent advisor Tim Hayes offers savvy investment strategies from an objective perspective.
As an independent financial advisor, I have helped people, couples, and families achieve successful investment outcomes for over 30 years. Financial markets are more complicated and volatile than ever. That’s why I remain committed to learning and adapting my knowledge and skills to the new financial “normal” as it’s continually redefined—for better or worse.
If you wish to invest successfully in this day and age, this is what it takes.
Minimize Conflicts of Interest so That I Can Provide Objective Advice
- I work with individuals to build or update their personalized investment portfolios based on their goals and risks and then review their portfolios at least once a year.
- I advise on any possible rollovers from employer retirement plans and help design strategies for income planning during retirement.
- I can also advise on your life and disability insurance needs.
- I implement, manage, and service the retirement plans of companies and not-for-profits per the rules and regulations of ERISA and the Department of Labor (DOL). I also can install and manage group life and disability plans.
- I advise executives and business owners on their nonqualified deferred compensation plans, stock options, and company stock (net unrealized appreciation, NUA).
My Roots in Salem & Beverly
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.
Investing Is Risky Business. Give Yourself a Fighting Chance for Success
An ongoing relationship with a financial consultant may help you avoid impulsive decisions that could have a negative impact on your investments.
For a free, independent, and objective review of your investments, contact me today.
Please be sure to speak to your advisor to consider the differences between your company retirement account and investment in an IRA. These factors include, but are not limited to, changes to the availability of funds, withdrawals, fund expenses, fees, and IRA-required minimum distributions.
Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS® Social Security When Should You Start Taking It? Wealth Management, Financial Planning, Retirement PlanningTo try to develop the most effective retirement income strategy for the middle class, Stanford University’s...
Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS® Investing In an Overpriced Stock Market Wealth Management, Financial Planning, Retirement PlanningThe U.S. stock market has come a long way from its Great Recession low. That low, when the S&P 500 bottomed out at 666...
Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS® Fee-Only or Commission What Standard of Care Is Best for You? Wealth Management, Financial Planning, Retirement PlanningMany financial advisors are registered as both representatives of a broker-dealer and as...