Services for Individuals, Couples, & Companies
Financial Advisor Tim Hayes
Review your assessment of your needs.
Recommend investments, based on an explicit balance of growth vs. security.
Investing In an Overpriced Stock Market
Design a strategy for minimizing your tax burden.
401k Plan Consulting Services for Employers
I am an advisor who is not selling any proprietary products or has any sales quotas
You benefit from advice and products tailored to your unique financial needs.
Hourly cost or fee-only, with an estimate of a not-to-exceed price for the initial consultation, and annual follow-ups
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.
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
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
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.
Executives and Business Owners – I can use life insurance to facilitate ownership changes and protect a business from the loss of a key executive.
Labor Day is around the corner. Along with flags, barbecues, parades, and baseball (maybe), there might come a discussion, hopefully outside and six feet apart, about how the U.S. is going to hell in a handbasket. One family member who is an Ayn Rand fan and watches...
Financial bubbles: are we in another one? How can the stock market almost triple in value during a period of mediocre growth (2009–2019)? In the movie All The President’s Men, a source of the reporter, Bob Woodward, nicknamed ‘Deep Throat,’ informs him that he needs...
What was your inspiration for writing your white paper, "Are We In Another Financial Bubble? " The most dominant financial story after the financial crisis has been the Federal Reserve and their unconventional monetary stimulus, Quantitative Easing or QE. Money...