Experienced Financial Advisor in Suit

Financial Advisor Tim Hayes

Tim has offices located in Boston and South Dartmouth, Massachusetts. He is licensed to handle securities in six states, including Massachusetts, Rhode Island, New Hampshire, Connecticut, Maine, and Florida. Moreover, he can provide investment advisory and financial planning services to clients in all 50 states.

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

Clients can pay a fee-only or hourly rate based on wealth management and financial and retirement planning needs. Smaller accounts, such as Roth IRAs, 403b accounts, or 529 college savings plans, may require commission-based payments.

The first appointment can be in person, by phone, or via Zoom. Subsequent meetings can be a mix of in-person, phone, email, or Zoom.

Financial Advisor Tim Hayes: Retirement Planning & Investment Services

Summary: Financial Advisor Tim Hayes offers comprehensive financial planning services to help cliennts transition into retirement with confidence. Book a free consultation today!

You have retirement accounts in a few different places, and so does your spouse. Now that you are retired or thinking of retiring, you are closer to using the money. But you haven’t changed the allocation or risk level of any of those accounts. Moreover, you haven’t met with a financial advisor to discuss your retirement goals or accounts.

Navigating 401k Retirement Income Options

Along with great careers, you’ve built up substantial 401k balances. It took a while, but you got the hang of investing in equities — never comfortable with the ups and downs but always focusing on long-term growth.

But now you need income, not growth. Over the years, you owned some bonds with mixed success. But unlike your foray into equity investing, you cannot afford on-the-job training this time. You need the income now. Plus, you have less time to recover from any mistakes.

Navigating Interest Rates, Bonds, Annuities, and Dividend Stock Investing

  • Understanding interest rates, bonds, annuities, and dividend stock investing, along with other transition products, can be challenging and confusing.
  • As with most things in life, the first step is often difficult, but securing sound financial advice should not be left until it’s too late.
  • Finding a licensed and knowledgeable resource will help you get the best financial advice.

Tim: Expert Financial Advisor for Retirement Income and Investment Transition

  • with a keen understanding of interest rates and the bond market.
  • with the knowledge that is imperative when one talks about retirement income.
  • with access to the products necessary to help you transition from growth to income.
  • who will research your retirement accounts and let you know if leaving it with your 401k or 403b is a good option, or if you should roll it over.
  • who will work to keep your costs low – because in a low-yield world, the less you pay to someone else, the more you keep for yourself.

Tim’s Retirement Transition Services: Investments, Taxes, and Portfolio Building

  • Measure how well your investments match up with your risk tolerance and goals and income needs.
  • Design a strategy for minimizing your tax burden.
  • Recommend investments based on an explicit balance of growth vs. security.
  • Figure out whether you should keep your 401k or 403b with your previous employer or roll it into an IRA, where Tim will build you a new portfolio.
  • Build that portfolio using your risk tolerance to create enough retirement income, but so that you will not outlive your money.
  • Look over any pension options you may be eligible for and review any Social Security and Medicare questions you may have.
  • Examine any group life policies you may want to convert to an individual policy.

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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 Today!

Tim Hayes: Highly Recommended Financial Advisor for Knowledgeable and Responsive Services

Molly Walsh

Client

"As a person whose only association with finance is balancing my checkbook once a month, I am incredibly fortunate to have Tim Hayes as my financial advisor. With the economy in the fluctuating state it has been in recently, if ever I have a question or am just feeling uneasy concerning my investments ,he responds very quickly and what I appreciate most about Tim is that he never ever talks down to me or makes me feel my question is unimportant I would whole heartedly recommend Tim Hayes."

"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!"

Andrea Knight

Client

Phyllis Gleason

Client

"I was fortunate to get a recommendation for Tim Hayes from a colleague many years ago, and I have benefitted greatly from our partnership. At our first meeting, I immediately felt that I was in good hands. Tim is a wonderful listener, and he asked great questions that allowed me to focus my long-term financial goals. He has always been very responsive to any questions I have had and keeps me informed about the impact the vagaries of the investment world have on my portfolio while, at the same time, giving me advise on our next steps. I would highly recommend Tim to anyone needing investment services. Both his knowledge and his thoroughness are refreshingly impressive."

"Tim Hayes has been my Financial Advisor for a number of years. He has always been patient with my questions and explains everything in understandable terms. It is a pleasure to have him as my Financial Advisor, and I look forward to many productive years ahead."

Penny Demers

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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