Experienced Financial Advisor in Suit

Financial Advisor Tim Hayes

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

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 who set up a 529 college savings plan.

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

 

Portfolio Evaluation: Compare Fee, Performance, and More With Tim

Portfolio Evaluation

A portfolio review compares your current fees and costs with those for a hypothetical portfolio using mutual funds and exchange-traded funds (EFTs) that have passed my due diligence process. It also compares your current investments’ performance to specific benchmarks and the hypothetical portfolio.

  • Holding Summary – Overview of the proposal, our firm, and the services we provide
  • Style Analysis – by U.S. equity, international equity, and fixed income
  • Portfolio Performance – Compare the performance of your current and proposed investments
  • Fee Analysis – Current vs. proposed portfolio
  • Risk Tolerance Report
  • Closing Comments and helpful items for your consideration

Due Diligence Mutual Funds and Exchange-Traded Funds (ETFs)

I provide a due diligence selection process using the Fiduciary Focus Toolkit™. It screens, 10,000+ mutual funds and EFTs down to a couple hundred eligible for use in your portfolio. The process screens for manager tenure, fees, performance, and style.

I cross-reference my results with their fi360 Fiduciary Score™. That score is an easy-to-use and easy-to-understand way to objectively compare peer investments and determine their overall appropriateness. It is a ready-made due diligence solution that can help advisors demonstrate a careful investment selection and monitoring process.

Investment Management

The client needs a minimum of $250,000, which can be in any account: IRAs, 403bs, joint accounts, and individual brokerage accounts.

The fee depends on your account size and complexity but is never higher than 1%—the larger the account, the lower the cost.

The accounts are primarily invested in mutual funds and ETFs. All the funds have passed my rigorous due diligence process. I screen for fees, performance, fund turnover, and manager tenure.

I design the portfolio to meet your goals, consistent with how much risk you are comfortable taking.

After your account is set up, you receive monthly statements, and you can follow your account online with CirStatements. Furthermore, we periodically meet to review the portfolio, discuss performance and rebalancing, and check if you are on track to achieve your goals.

What if I Don't Have $250,000

My job is to provide independent financial advice to all potential customers, so I do not turn away clients. However, given that my fee-based business usually requires a minimum of $250,000, I typically charge a commission or an hourly rate if you have less than this to invest.

However, I use the same due diligence process for building your portfolio. I use mutual funds and exchange-traded funds (ETFs) that have passed my due diligence process screening for low fees, historically competitive performance, low fund turnover, and manager tenure.

I work with all account registrations: IRAs, Roth IRAs, 403(b)s, SEPs, SIMPLES, 529 Plans, etc.

After the portfolio is set up, you will receive monthly or quarterly statements. You can follow your account online at CirStatements. Your account’s custodian will be either Pershing, a Bank of New York Mellon company, or the fund family itself.

Independent Portfolio Review Near Me

I offer flexible appointment options, including in-person, virtual, phone, email, Zoom, or Skype. I am licensed to handle securities in six states and have offices in Boston and South Dartmouth, Massachusetts. I can provide investment advisory and financial planning services to clients in all 50 states.

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These are the opinions of Financial Advisor Tim Hayes and not necessarily those of Cambridge Investment Research. They are for informational purposes only and should not be construed or acted upon as individualized investment advice. Content provided via links to third-party sites should not be considered an endorsement of content that we cannot verify completeness or accuracy of.

Book a Free Virtual or In-Person Consultation with Tim!

The Advantage of an Advisor: Real Stories from Real People

Deidre McDonald

Client

"I have been working with Tim Hayes for several years. Tim has excellent communication skills, knowledge, integrity and experience. He has the client's best interest at heart and shares pertinent information in a timely manner. To wit, during the recent market decline Tim implemented alterations and amendments that positively effected my account. Tim's approachability and willingness to touch base through written and oral narratives contribute to my continuation of his service."

"Tim Hayes has served as my financial advisor for many years. He is experienced, knowledgeable, competent, flexible and proactive. Tim sends to me, via email and on a regular basis, secure and thoroughly organized “Client Reports” of my “Combined Account Portfolio”. If I have trouble understanding any part of my Portfolio or have questions regarding it, he is always available to explain what I don't understand and answer my questions. Tim is forthcoming with his emails advising me on any changes to my holdings that could be more beneficial to me, given the particular state of the financial market at the time. Because of his experience and knowledge, he can be and is proactive with his advice. He allows for a flexible schedule and has met with me in person during times when needed. Over the many years of working in my career and setting up savings funds for the future, saving funds for my grandchildren, retiring from my career and setting up appropriate savings vehicles, Tim has always been there to advise and help. I believe Tim is dedicated to doing what's best for his clients and their financial investment needs and goals."

Pat Barbour

Client

Andrea Knight

Client

"I have known Tim for over 30+ years and he has always guided me in making good decisions. Tim is extremely knowledgeable about how the world works and how the market is affected by decisions made by elections, stock markets, and the volatility of the world in general. He is always looking out for your best interest, along with he is someone you can count on to keep you in the know!"

These testimonials are based upon an individual client experience and may not represent the experience of other customers, and should not be considered a guarantee or indication of future performance of success.

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