Experienced Financial Advisor in Suit

Tim: Securities Licensing in MA, RI, NH, CT, ME, FL & Nationwide Financial Planning Services

Tim has offices in Boston and South Dartmouth, Massachusetts. He's licensed to handle securities in 8 states: Massachusetts, Rhode Island, New Hampshire, New York, New Jersey, Connecticut, Maine, and Florida.

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.

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.

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, telephone, Zoom, and email are replacing some in-person meetings.)

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.

Financial Planning Services | Financial Advisor Tim Hayes

Summary: Financial Advisor Tim Hayes in Massachusetts: Wealth Management, Retirement Planning, and Insurance Services.

Financial Planning – Discover how my financial planning process can help you achieve your goals through comprehensive analysis, recommendations, and regular monitoring.

  • Gather financial data
  • Financial goals
  • Analyze information
  • Recommendations
  • Monitor

Independent Financial Planning

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.

  • Risk tolerance questionnaire
  • Portfolio rebalance when needed
  • Stocks, bonds, annuities, mutual funds, ETFs

Wealth Management Strategies

Retirement Planning – 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

Retirement Planning

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

Life Insurance Guide

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.

  • Fee reporting
  • Employee education and ERISA 404(c) compliance
  • Fiduciary advice

Retirement Plan Consulting

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

  • Key employee insurance
  • Deferred compensation

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.

Book a Phone or In-Person Meeting

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