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Independent advisor Tim Hayes offers savvy investment strategies from an objective perspective.

As an independent financial advisor, I have helped people, couples, and families achieve successful investment outcomes for over 30 years. Financial markets are more complicated and volatile than ever. That’s why I remain committed to learning and adapting my knowledge and skills to the new financial “normal” as it’s continually redefined—for better or worse.

If you wish to invest successfully in this day and age, this is what it takes.

Helpful guidance, no pushy sales pitch

Your financial future is too important to rely on amateur hunches. And let’s face it, you don’t have the time or interest to become an investing expert. You shouldn’t have to. And the good news is, as one of my clients, you’ll never have to!

• I emphasize education – I’ll make sure you’re aware of all of your investment options and the potential risks and upsides of each. I’ll give you the objective perspective along with my honest opinions based on years of investing experience.
• I stick around – My clients know that I am there for them, and I am extremely proactive about providing ongoing counsel and advice as changes in your life affect your financial situation and goals.
• Objective advice – No cookie-cutter solutions or corporate financial overlords here! Being independent means I have the freedom to choose from all the options available to you and recommend the ones I feel are best suited to your needs, regardless of who’s offering it. Unlike some advisors, the sky is the limit in terms of the ideas, products, and strategies I may bring to your attention.

Investing is a risky business. Give yourself a fighting chance for success

An ongoing relationship with a financial consultant may help you avoid impulsive decisions that could have a negative impact on your investments.

Portfolio management bigger accounts

The client needs a minimum of $100,000. 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.

Portfolio Management: If you don’t have $100,000 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.

Conclusion

Investing is a complex and ever–changing process. It requires a great deal of knowledge and experience to navigate the markets successfully. As an independent financial advisor, I have the freedom to choose from all the options available to you and recommend the ones I feel are best suited to your needs. I emphasize education, provide objective advice, and stick around to ensure you are on track to achieve your goals. If you‘re looking for a financial advisor who can help you make smart investments, contact me today.

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.

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