Financial Advisor Tim Hayes
Who Am I Affiliated With?
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.
How Much Do I Charge?
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.
Do We Need to Meet in Person?
The first introductory and fact-finding appointment can be in-person or by phone. The next meeting where I provide my recommendations should be in-person.
Subsequent meetings during which we monitor your progress and investments can be done in-person or by phone, email, Zoom, or Skype – or, more likely, a combination of these meeting types.
Independent Portfolio Management Near Me
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.
Independent Portfolio Management Near Me
M – Independent Portfolio Management Near Me
- Malden
- Manchester by the Sea
- Mansfield
- Marblehead – I worked at the Corinthian Yacht Club during college
- Marion
- Martha’s Vineyard
- Marshfield
- Mattapoisett
- Maynard
- Medfield
- Melrose
- Merrimac
- Methuen
- Middleborough
- Middleton
- Milton
N – Independent Portfolio Management Near Me
- Nantucket
- Natick
- Needham
- New Bedford
- Newburyport
- Newton
- North Andover
- North Attleborough
- Northborough
- North Reading
- Norton
- Norwell
- Norwood
P – Independent Portfolio Management Near Me
- Peabody
- Plymouth
- Provincetown
R – Independent Portfolio Management Near Me
- Randolph
- Reading
- Revere
- Rockland
- Rockport
S – Independent Portfolio Management Near Me
- Salem- I lived in Salem after college
- Sandwich
- Saugus
- Scituate
- Sharon
- Sherborn
- Somerville
- Southborough
- Stoneham
- Stoughton
- Sudbury
- Swampscott
T – Independent Portfolio Management Near Me
- Tewksbury
- Topsfield
- Tyngsboro
W – Independent Portfolio Management Near Me
- Wakefield
- Walpole
- Waltham
- Wareham
- Watertown
- Wayland
- Wellesley
- Wenham
- Westford
- Weston
- Westport
- Westwood
- Weymouth
- Wilmington
- Winchester
- Woburn
Portfolio management bigger accounts
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.
Investor Profile Questionnaire
Portfolio Management: 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 a similar 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 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.
