Fiduciary planning built around your pension, 403(b)/TSP, and Social Security. Plain-English analysis with transparent fee options.
Objective analysis tailored to your Massachusetts public pension, federal retirement, or healthcare plan.
Evaluate whether buying back out-of-state or prior service years makes financial sense, decide whether to roll over your 403(b), and get out of high-fee insurance vendor annuities.
Coordinate hospital/university 403(b) and 457 rollovers, model multi-year Medicare IRMAA surcharges, structure tax-efficient asset location, and optimize Social Security without a state pension.
Before rolling your TSP to an IRA, we check the Rule of 55 penalty-free withdrawal window, model your income bridge before Social Security starts at 62, and analyze survivor benefit elections.
Plan around age-55 mandatory retirement milestones, the 20-year service cap, military service buyback windows, and bridge income strategies before Social Security and Medicare kick in.
Analyze claiming options (age 62 vs. FRA vs. 70), evaluate spousal/survivor benefits, and show how the WEP/GPO repeal changes your specific numbers.
Once your pension, Social Security, and any rollovers are sorted out, I build and oversee a portfolio designed around the fact that you already have guaranteed income coming in, with scheduled reviews rather than a set-it-and-forget-it account.
Compassionate financial direction after losing a spouse: navigating Option D survivor pensions, retitling accounts, and restructuring retirement income.
Trusted by public employees and retirees throughout Massachusetts.
Having worked with Tim Hayes for 28 years, I can attest that he is an outstanding Financial Advisor who has provided me with great financial guidance and support throughout the years. He is always available to answer questions and concerns and has built a relationship based on trust and honesty. Tim is a reliable, committed and trustworthy financial advisor with vast knowledge and experience.
I have been working with Tim Hayes for several years. Tim has excellent communication skills, knowledge, integrity and experience. He has the client's best interest at heart and shares pertinent information in a timely manner. To wit, during the recent market decline Tim implemented alterations and amendments that positively affected my account. Tim's approachability and willingness to touch base through written and oral narratives contribute to my continuation of his service.
Testimonials reflect individual client experiences and are not a guarantee of future performance. No compensation was provided. Read more testimonials →
Clear, transparent pricing whether you need a single calculation, smaller account setup, or full portfolio management.
Targeted consultations for specific financial, retirement, or wealth questions without moving accounts.
Comprehensive portfolio management tailored to your retirement cash flows and pension structure.
A cost-effective alternative for targeted account setup or smaller balance requirements.
I meet with Massachusetts public employees, healthcare workers, and retirees at their workplaces, my Boston (South End) or Dartmouth offices, or virtually.
Wherever you are in Massachusetts, I provide ongoing support—not just a one-time meeting.
Get objective answers on your pension buyback, 403(b) options, IRMAA surcharges, or Social Security timing.
Book a 20-Minute Intro Call