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.

Tim Hayes Offers the Financial Tools and Expertise You Need to Help You Build Life the Way You Like It

Over the years, you’ll likely change jobs a few times. Your goals and risk tolerance will change too.

My investment ideas are only as good as their ability to keep up with you, so it all starts with getting to know you and your current investing situation. You may need your portfolio fine-tuned, or perhaps major changes are in order. Whatever the case, I’ll recommend a customized portfolio that addresses your needs and goals. And, as your financial advisor, I’ll commit to reviewing your portfolio at least once a year.

Whether you’re changing jobs, shifting gears into retirement, or already participating in an investment plan at work (401(k), 403(b), etc.), you owe it to yourself and your family to make sure you’re doing the right things at the right time.

Understanding Your Financial Risk Profile

Psychologist Daniel Kahneman won the 2002 Nobel Prize in Economics for bringing to light that people hate to lose money more than they like to make money. Aversion to losses is one reason I ask you to measure your risk profile online. I would not want you to be holding a portfolio that is 80% stocks, which might lose 30% in a bad year, when your profile indicates that you would sell everything if it dropped even 5%.

For others, the opposite is true. You might need to take more risks to reach your financial goals. As your financial advisor, I need to alert you and give you options: take more risks, save more money, diversify your investments more, etc. Obviously, each client’s individual risk profile must be respected.

Investment Management Services

The client needs a minimum of $250,000. It can include just about any account: IRAs, 403bs, joint accounts, personal brokerage accounts, etc.

  • Your account size and the complexity of your wealth management will determine fees, but it is never greater than 1%.
  • The accounts are primarily invested in mutual funds and exchange-traded funds (ETFs). All funds have passed my rigorous due diligence process.
  • I design the portfolio to meet your goals and ensure it is consistent with how much risk you are comfortable with taking.
  • After the account is set up, you receive monthly statements, and you can follow your account online with CirStatements.
  • We periodically meet to check the portfolio, discuss performance and rebalancing, and confirm you are on track to achieve your goals.
  • The custodian for the accounts will be Pershing, a Bank of New York Mellon.

If You Don't Have $250,000 to Invest

My fee-based accounts require a minimum of $100,000; if you have less than this amount to invest, I usually charge a commission or an hourly rate.

  • 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 long manager tenure.
  • I work with all types of 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.
  • The custodian for the accounts will be Pershing, a Bank of New York Mellon company, or the fund family directly.
  • Periodically, we will meet to check if the portfolio is on track, monitor performance, and discuss rebalancing.

Independent Investment Services 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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Book a Free Virtual or In-Person Consultation with Tim

The Advantage of an Advisor: Real Stories from Real People

Pat Barbour

Client

"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."

"I have worked with Tim Hayes most of my adult life (I am a senior citizen). I trust him so much that I have recommended him to my sister. You can't go wrong with Tim."

Linda Wiegenfeld

Client

Kathy Rodger

Client

"I have been working with Tim for over 30 years. At all times Tim has made himself available to answer any of my questions or concerns. His explanations on Market trends have always been thorough and helpful. "

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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