# Financial Advisor Tim Hayes: Guiding You on Your Path

> MA teachers, state workers, federal employees, and nonprofits: your pension, 403b, TSP, and Social Security don't work like everyone else's\. Neither does my advice\.

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## Pages
- [Social Security Spousal Benefits After WEP \& GPO Repeal: Massachusetts Public Employee Guide](https://www.independentadvisorthayes.com/social-security-spousal-benefits-for-massachusetts-public-employees/)
- [Out\-of\-State Pension? Your MA Service Years Still Count](https://www.independentadvisorthayes.com/do-you-have-years-of-service-in-massachusetts/)
- [Multi\-State Educator Pension Buyback Strategy](https://www.independentadvisorthayes.com/national-pension-buyback-strategy/)
- [Massachusetts Retirement Buy Back Guide for MA Educators](https://www.independentadvisorthayes.com/buying-back-service-time/)
- [Massachusetts Public Pension Survivor Benefits: The Option D Decision](https://www.independentadvisorthayes.com/widow-financial-planning-boston/): Fiduciary financial planning for widows in Boston\. Guidance on survivor benefits, retirement accounts, and creating a clear plan for your next chapter\.

## Posts
- [Risk Tolerance for Public Employees: Is Your 403\(b\) or 457 Aligned with Your Pension?](https://www.independentadvisorthayes.com/risk-tolerance-questionnaire-boston/)
- [Should Public Employees Use the “Stanford Social Security Strategy”?](https://www.independentadvisorthayes.com/two-prong-retirement-income-strategy/): Tim Hayes examines why the Stanford delayed claiming strategy does not fit most public employees who have pensions and newly restored Social Security benefits after the WEP and GPO repeal\.
- [Can I Contribute to a 403b and 457? \| 2026 Limits for MA Educators](https://www.independentadvisorthayes.com/403b-and-457-contribution-limits-boston/): Independent Boston financial advisor explains how 403\(b\) and 457 plans work together\. Covers IRS contribution limits, catch\-up provisions, and strategies for maximizing retirement savings\.
- [Massachusetts 403\(b\) Tax Trap: Avoid Double State Tax on Pre\-1998 Contributions](https://www.independentadvisorthayes.com/massachusetts-403b-tax-laws/)
- [Fee\-Only vs Commission Financial Advisor: Fiduciary Duty and Cost Explained](https://www.independentadvisorthayes.com/fee-vs-commission-navigating-the-difference-between-a-fiduciary-and-a-financial-professional/): Tim Hayes explains how fee vs\. commission compensation models define the advisor relationship, what each costs, and why the distinction matters for public employees\.

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- [Financial Planning](https://www.independentadvisorthayes.com/category/financial-planning/)
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