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.

Evolution of Financial Advice

Transition to Fee-Based and Index Funds
The financial advice industry has shifted towards a fee-based model to promote impartiality. Explore the impact of the Fiduciary Rule and rise of index funds.

Independent Financial Planning Boston | Tim Hayes

Financial Planning – Your comprehensive financial planning starts with gathering all your financial information into one place to generate thoughts, questions, and opinions about your personal financial goals and situation.

  1. Gather financial data – fact finder, tax forms, brokerage statements, retirement account statements, mutual fund and annuity statements, and insurance policies.
  2. Establish Financial Goals – college funding, comfortable retirement, income needs, second home, travel.
  3. Analyze Financial Information – mutual fund and exchange-traded-fund (ETF) due diligence, retirement planning, asset allocation, risk tolerance analysis, beneficiary audit, and tax-reduction strategies.
  4. Recommendations – product solutions, stocks, bonds, mutual funds, exchange-traded funds, annuities, life insurance plans
  5. Monitor and Update – annual reviews, twice-a-year email updates, monthly brokerage statements, CIR statements – online reporting of your accounts.

What's the Difference Between Financial Advisors and Financial Planners

There is no financial planner in the regulations. Instead, there are investment advisor representatives and registered representatives. ‘Financial planner’ is more of an industry term for someone who looks at your entire financial picture. Some financial planners are fiduciaries, and others are not. Some charge a fee, some are compensated through a commission, and some receive both.

A private organization offers a designation certified financial planner. Since 2018, all holders of that designation are required by the organization to be fiduciary. But the 40 Act determines if someone is acting as a fiduciary, so the organization requires that anyone who wants to hold that designation be willing to fall under the 40 Act.

There is also an organization called the National Association of Personal Financial Advisors (NAPFA), a directory where you can find a fee-only advisor in your area. Financial advisors pay annual dues of $249 to belong to NAPFA, plus a one-time, non-refundable processing fee.

What Are the Benefits of Tim's Financial Planning

  • You will understand investment concepts. I talk in familiar language, not financial jargon.
  • You can 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 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.

Independent Financial Planing 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!

Tim Hayes: Experienced and Trusted Financial Advisor

"Tim Hayes has been my financial advisor for close to forty years. He is sincere and direct in his approach to supporting his clients. I highly recommend Tim to anyone seeking a financial advisor who is skilled, client-centered, and practices with integrity."

Julia Concannon

Client

Wanda Carrasquillo

Client

"Having worked with Tim Hayes for 28 years, I can attest that he is an outstanding Financial Advisor who has provided me with great financial guidance and support throughout the years. He is always available to answer questions and concerns and has built a relationship based on trust and honesty. Tim is a reliable, committed and trustworthy financial advisor with vast knowledge and experience."

"I have been a client of Tim Hayes for several years. Although I don't have a large portfolio,Tim has still treated me with caring, professionalism and respect to optimize my success with my account. He sends regular updates regarding market changes and recommendations and offers to meet as needed to discuss life changes and financial planning. I highly recommend Tim as a financial advisor!"

Judy Carter

Client

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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