508-277-5847 [email protected]

Coronavirus

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

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

Financial Advisor Salem and Beverly

Services for Individuals, Couples, and Companies

 

 

Contact About
Financial Advisor Salem

Put Your Money In the Hands That Know Best

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

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

Financial Consultant Salem

No Cookie-Cutter Solutions

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

And every smart investment decision starts with listening to my clients and asking them the right questions, which include:

  • What do you want out of life?
  • What are you working for?
  • What are your short-term and long-term financial goals?

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

Products and Services

Financial Advisor Salem & Beverly Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®

Wealth Management

Tim is a financial advisor with the experience and knowledge you can trust to know which investment vehicles may be right for you.

 

Financial Planning

Whether you are an individual, small business, or company executive, Tim will put you on a financial path that is right for you.

 

Retirement Planning

Tim is an independent financial advisor that knows how to adjust your financial strategy to the changes life throws at you.

 

FAQs

Financial Advisor Salem & Beverly 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.