Put Your Money In the Hands That Know Best 508-277-5847 [email protected]

Services for Individuals, Couples, and Companies

Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®

About Financial Advisor Tim Hayes

Tim Hayes

Financial Advisor

508-277-5847

Experience and Knowledge You Can Trust

  • I have been a professional financial adviser for 30+ years. I specialize in building custom portfolios for people saving their money for retirement or are already retired.
  • I can access thousands of mutual funds, ETFs, annuities, life, and disability plans. I have all the tools individuals, companies, and not-for-profits need for their wealth management as well as their financial planning for retirement.
  • Because I am an independent financial advisor, there are no requirements to use a specific tool. Therefore you benefit from advice and products tailored to meet your unique financial needs.

Check out my about page to learn more!

Why Should I Hire You?

Life isn’t all about money, but it is an important tool for building the life you want. And, like any tool, best results happen when skilled, experienced hands are in control of it.

For over 25 years, I have studied the financial markets, always striving to learn more about, and adapt my knowledge to, the new financial “normal” as it is continually redefined.

The result: I can help you make smart investment decisions for every stage of your life, under all market conditions.

How Much Do You 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 setting up a 529 college savings plan.

Fee-Only or Commission What’s Best for You

Do We 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. (For the time being phone and email replacing in-person meetings)

Subsequent meetings where we monitor your progress and investments can be done in-person, by phone, email, or skype or, more likely, a combination of these meeting types.

Don’t know what kind of investment to make?

And every smart investment decision starts with listening to my clients and asking them the right questions, which include:

  • What do you want out of life?
  • What are you working for?
  • What are your short-term and long-term financial goals?

No CookieCutter Solutions

As an independent financial advisor, I have access to many financial products, including mutual funds, ETFs, stocks, bonds, and annuities. I use them to build custom portfolios, trusts, and retirement plans for people and organizations.

Update: The Coronavirus Outbreak Has Caused Economic Chaos and Uncertaintylanning Process

Asset Management

Portfolio Review & Due Diligence

Compare how well your current investments are performing relative to certain benchmarks and the hypothetical portfolio.

Case Studies

Not Sure Which Retirement Plan Is Right for You?

I build and manage the portfolios of individuals with IRAs, public school teachers with 403(b) accounts, and business owners, for whom I design and manage SIMPLE and SEP plans.

I was therefore thrilled when, in 2011, the U.S. Department of Labor changed their rules to allow financial advisors to give investment advice to 401(k) plans. Now, if an employer says this is okay, and financial advisors follow one of the two DOL-approved templates, than they can give proper counsel to the employees.

Individuals

I advise you on rollovers from your employer’s retirement plan including plans in which you own company stock. I then design stragies for income planning during retirement.

Case Studies

Employers

I design and service your retirement plans to meet the goals of your organization in accordance with ERISA, the Internal Revenue Code, and the Department of Labor.

Case Studies

Executives and Top Management

I advise you on non-qualified deferred compensation, stock options, key employee insurance, and company stock.

For More Information

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Financial Advisor Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®​

 

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