Services for Individuals, Couples, & Companies

Financial Advisor Tim Hayes

Financial Planning

Review your assessment of your needs.

Case Study:
Social Security When Should You Start Taking It?

Portfolio

Recommend investments, based on an explicit balance of growth vs. security.

Case Study:
Investing In an Overpriced Stock Market

 

Taxes

Design a strategy for minimizing your tax burden.

Case Study:
401k Plan Consulting Services for Employers

Independence

I am an advisor who is not selling any proprietary products or has any sales quotas

Case Study:
403b Retirement Plans Massachusetts Public Schools

Because Independent

You benefit from advice and products tailored to your unique financial needs.

Case Study:
Estate Planning

Costs

Hourly cost or fee-only, with an estimate of a not-to-exceed price for the initial consultation, and annual follow-ups

Case Study:
Fee-Only or Commission What Standard of Care Is Best for You?

Products and Services

Benefits of an independent financial planner – I am free to collaborate with you and advise you objectively as we design a financial plan to address your concerns and establish a path to your goals and dreams. 

  • You will understand investment concepts – I talk in familiar language, not financial jargon.
  • You will make educated investment decisions with the help of my objective, independent research.
  • You will be able to trust and confide in me, as I will understand and prioritize your financial priorities and goals. I will serve you in a relationship.
  • You will not have to explain your financial history to a series of new faces; I will be here for you.

Financial Planning Process

Wealth Management – I build portfolios for individuals, trusts, and retirement plans. The portfolios may hold stocks, bonds, cash, mutual funds, and exchange-traded funds (ETFs). The client’s goals, time horizon, and risk tolerance impact what the portfolio holds. Risk tolerance is how a client feels about a drop in their account. The time horizon is the length of time before the client needs the money.

  • FinaMetrica risk tolerance questionnaire
  • Portfolio rebalance when needed
  • Stocks, bonds, annuities, ETFs

Wealth Management Process

Retirement – Employees who leave their employer can keep their 401k or 403b there or move it to an IRA. If they decide to move it, I build their IRA portfolio. I also build portfolios for clients saving for retirement.

  • IRAs, 403b, annuities
  • 403b Financial Advisor
  • Pension max for public employees
  • IRA rollovers from an employer plan

Please be sure to speak to your advisor to carefully consider the differences between a company retirement account and IRA investment. These factors include changes to the availability of funds, withdrawals, fund expenses, fees, and IRA-required minimum distributions.

Insurance – I can get clients the right type and amount of life insurance or disability insurance. I am licensed with many insurance companies, so I can find a good product.

  • Needs analysis
  • Whole life, term insurance, universal and variable life
  • Disability insurance

Insurance Needs Analysis

Businesses and Nonprofits – I provide investment advice or education to the individuals in your retirement plan. I can also monitor investment options and provide fee information.

How Effective Is Your Plan Management Process (pdf)

Executives and Business Owners – I can use life insurance to facilitate ownership changes and protect a business from the loss of a key executive.

 

If you’re concerned about your financial future, let’s talk