FINANCIAL ADVISOR MARTHA’S VINEYARD & NANTUCKET TIM HAYES

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Wealth Advisor, Financial Planning, Retirement Planning

 

 

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Tim Hayes

Tim Hayes

Investment Adviser Representative

Roots In the Area

I service the Islands from my office in S Dartmouth, taking advantage of the ferry from New Bedford.

Experience and Knowledge You Can Trust

I have been a professional financial adviser for 26+ years. I specialize in building custom portfolios for people saving their money for retirement or are already retired.

Access to thousands or mutual funds, ETFs, annuities, life and disability plans. I have all the tools individuals, companies, and not-for-profits need for their wealth management as well as their financial planning for retirement.

Because I am an independent financial advisor, there are no requirements to use a specific tool. Therefore you benefit from advice and products tailored to meet your unique financial needs.

Check out my about page to learn more!

Why Should I Hire You?

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.

How Much Do You Charge?

Clients have 3 payment options. Most clients pay a flat fee which is 1% or less depending on the size and complexity of your financial planning needs.

Do We Meet In Person?

The first appointment should be in person. There is no cost for this introductory and fact finding meeting. If you become a client constant contact either in person, email, or by phone is important.

Advisor Details

 

Tim Hayes

Tim Hayes

Investment Adviser Representative

Tim Hayes

Financial Advisor AIF®, CRPS®, AWMA®, CFS®, APMA®

Areas Serviced in Massachusetts, Rhode Island, and Southern New Hampshire & Maine

Expert and highly personalized financial planningretirement planning, and independent investment solutions for individuals, couples, and businesses in Eastern Massachusetts, including Boston and surrounding cities. So 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, MetroWest including Foxboro, or the Southcoast, Martha’s Vineyard, Nantucket, and Newport, Rhode Island in my Dartmouth office.

There is no charge for the initial consultation, and it can be at your home, office, or favorite coffee shop.

Credentials

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Accredited Portfolio Management Advisor℠, or APMA®

Individuals who hold the APMA® designation have: The Accredited Portfolio Management Advisor℠ or APMA® Program is a professional designation program for financial professionals. The program is designed to educate advisors on the subtler points of portfolio creation, augmentation, and maintenance. Topics covered include:

  • client assessment and suitability
  • risk/return, investment objectives
  • bond and equity portfolios
  • modern portfolio theory
  • investor psychology
  • and other topics germane to building appropriate client portfolios

Accredited Investment Fiduciary, or AIF®

Individuals who hold the AIF® designation have:

  • Completed the AIF® Designation Training;
  • Passed the AIF® designation exam;
  • Met the designation’s prerequisites and qualification and conduct standards;
  • Accrued a minimum of six hours of continuing professional education, with at least four hours coming from fi360-produced sources;
  • Attested to a code of ethics.

Chartered Retirement Plans Specialist, or CRPS®

Individuals who hold the CRPS® designation have:

  • Completed a course of study encompassing design, installation, maintenance and administration of retirement plans;
  • Passed an end-of-course examination that tests their ability to synthesize complex concepts and to apply theoretical principles to life situations;
  • Pledged adherence to the CRPS® Standards of Professional Conduct, and are subject to a disciplinary process in that regard.

CRPS® designees renew their designation every two years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirement

Certified Fund Specialist, or CFS®

CFS designation is awarded upon passing an examination on mutual funds, ETS, REIT’s, closed-end funds, and similar investments. Advanced studies on topics include:

  • Fund analysis and selection;
  • Asset allocation;
  • Portfolio construction;
  • Sophisticated investment strategies for risk management, taxes, and estate planning.

Accredited Wealth Management Advisor, or AWMA®

Individuals who hold the AWMA® designation have:

  • Completed a course of study encompassing wealth strategies, equity-based compensation plans, tax-reduction alternatives, and asset-protection alternatives;
  • Passed an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations;
  • Agreed to adhere to the AWMA® Standards of Professional Conduct, and are subject to a disciplinary process in that regard.

AWMA® designees renew their designation every two years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirements.

Securities Licenses

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Series 66 Exam, Taken 12-18-2012, Scored 93%

Passing the exam qualifies candidates as both securities agents and investment advisor representative.

Series 7 Exam, Taken 07-20-2005, Scored 92%

Individuals who pass the Series 7 examination are eligible to trade all securities products: corporate securities, municipal fund securities, options, direct participation programs, investment company products, variable contracts, etc.

Series 63 Exam, taken 03-22-1989

The exam qualifies candidates as securities agents within a state. Nearly all states require people to pass the Series 63 for state registration.

Series 6 Exam, Taken 02-23-1989, Scored 92%

The exam measures the degree to which each candidate possesses the knowledge needed to offer the products of investment and insurance companies, including the sales of mutual funds and variable annuities.

Other Licenses

I am also licensed to offer life, health, accident, disability and long-term care insurance plans, as well as fixed annuities.

Independent, But Not Alone

Financial Advisor Boston | Tim Hayes AIF, CRPS, AWMA, CFS, APMA

 

Cambridge Investment Research, Inc., is an independent broker-dealer with over 3,000 registered representatives nationwide dedicated to offering objective investment advice to clients.

I am also an Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., a $94B SEC-registered investment adviser based in Fairfield, IA. I’ve held an industry securities registration for 30+ years and am subject to SEC and FINRA oversight.

  • You will understand investment concepts – I talk in familiar language, not financial jargon.
  • You will make educated investment decisions with the help of my objective, independent research.
  • I am free to collaborate with you and advise you objectively as we design a written financial plan to address your concerns and establish a path to your goals and dreams.
  • You will be able to trust and confide in me, as I will understand and prioritize your financial priorities and goals. I will serve you in a relationship.
  • You will not have to explain your financial history again and again to a series of new faces; I will be here for you.
  • 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.
  • 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.
  • 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.

What We Do

Financial Advisor Martha’s Vineyard & Nantucket

 

Financial Planning

Expert and personalized planning solutions for individuals, couples, and small businesses in MA, RI, NH, and ME

Wealth Advisor

Recommend a customized investment portfolio that addresses your needs and goals.

T

Retirement Planning

Advising you in all three stages: saving for retirement, transitioning towards, or generating income during retirement.

Designing Your Retirement Portfolio

Generating lifetime Income from Your 401(k), 403(b), or Rollover IRA that you won’t outlive.

Financial Planning for Retirees

My financial planning for retirees is ongoing as we continue meeting and adjusting your accounts

Investment Advisor

Measure how well your investments match up with your risk tolerance and goals and income needs.

Credentials Awards, Licenses, Designations

For more information, go to www.fivestarprofessional.com.

Named a Five Star Wealth Manager 6 Years Running

 

In 2018, 2819 Boston wealth managers were nominated with only 487 projected winners.

To receive the Five Star Wealth Manager award, financial advisors must satisfy a series of eligibility and evaluation criteria associated with wealth managers who provide services to clients. Recipients are identified through research conducted by industry peers and firms. Third party rankings and recognitions from rating services or publications are not indicative of past or future investment performance.

FAQ

Whom Am I Affiliated With?

I am an Investment Adviser Representative at Cambridge Investment Research Advisors, Inc. (a $94B RIA based in Fairfield, IA) and a Registered Representative with Cambridge Investment Research, Inc. (a broker-dealer with over 3,000 registered representatives nationwide).

What Is My Financial Advisor Experience

I’ve held an industry securities registration for 25+ 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.
  • 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.
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.
What Are Some Benefits of Working With an Independent Investment Advisor?
  • You will understand investment concepts – I talk in familiar language, not financial jargon.
  • You will make educated investment decisions with the help of my objective, independent research.
  • I am free to collaborate with you and advise you objectively as we design a written financial plan to address your concerns and establish a path to your goals and dreams.
  • You will be able to trust and confide in me, as I will understand and prioritize your financial priorities and goals. I will serve you in a relationship.
  • You will not have to explain your financial history again and again to a series of new faces; I will be here for you.
Where Do You Work?

Boston and the surrounding cities, 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.

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Financial Advisor Martha’s Vineyard & Nantucket

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