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Financial Advisor Tim Hayes
I am an Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., a $44B 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.
Posts
- Portfolio Evaluation: Compare Fees, Performance, and More with Tim
- Federal Reserve Chairman Jerome Powell’s Plan to Combat Inflation: Overview and Analysis
- Understanding SEC’s New Rule and Updated ERISA Law: Insights from a Financial Advisor
- Maximizing Retirement Income: Stanford Study Recommends Delaying Social Security and IRA Withdrawals
- Preparing for Retirement: The Importance of Consulting a Financial Advisor
- The Comeback of Inflation in 2022: Understanding the Transitory Theory and Government Spending
- Maximizing Your 401k: Understanding the Latest Regulations and Roll Over Options
- Get Savvy Investment Strategies from Independent Advisor Tim Hayes
- Importance of Determining a Reasonable Rate of Return for Retirement Funds
- Start Your Financial Planning Journey with Tim, Independent Financial Advisor – Download Our Fact Finder Today
- Retirement Savings: Transitioning from Growth to Income and the Need for Professional Advice
- Understanding Independent Financial Advisors: Benefits and Disadvantages
- Understanding Different Types of Financial Advisors: Investment Advisors, Registered Representatives, and ERISA Fiduciaries
- Understanding Financial Fees: Commission vs. Fiduciary Advice
- Understanding Direct Rollovers: How to Safely Transfer Your 401k to an IRA
- Why 2022 was a Disappointing Year for Investors and What to Expect in 2023
- Maximizing Retirement Benefits: Navigating 403b Plans, Social Security, and New SEC Regulations with Tim
- Maximize Your Retirement Savings as a Public School Educator: Understanding Contribution Limits and Catch-Up Options
- Maximizing Retirement Savings for Self-Employed: The Benefits of SEP and Solo 401(k)
- “Secure Your Family’s Future: Contact Tim for Life Insurance and Annuity Planning”
- Maximize Your Retirement Savings: IRS Raises Annual Contribution Deferrals on Popular Plans
- Unpacking Bitcoin: Adam Smith’s Theory of Money and the Virtual Currency Debate
- Case Study Certified Annuity Specialist®
- Understanding Retirement Account Beneficiaries and the SECURE Act: What You Need to Know
- Maximize Your Retirement Benefits: Understanding Social Security and Medicare
- Is the U.S. Stock Market Overvalued? An Overview of Key Valuation Ratios
- The Genius of Jack Bogle: Understanding Index Investing and its Benefits over Active Management
- The Truth About Money Creation: A Guide to Understanding the Role of Banks and Government in the Economy
- Current Financial Situation: Exploring the United States’ Public, Private, and Total Debt with Financial Advisor Tim Hayes
- Balancing Consumption, Investment, Government Spending, and Exports for Economic Growth: An Analysis
- 10 Years After the Financial Crisis, Does the U.S. Still Have a Debt Problem?
- Understanding the U.S. Deficit and National Debt: Implications for the Economy and Financial Stability.
- 2021 Outlook for Stocks and Bonds
- Estate Planning Case Study
- Certified Tax Specialist™ (CTS™)
- Taxes Case Study
- Overseas Investing: Diversify Your Portfolio Beyond the Home Team
- Certified Estate and Trust Specialist™
- Understanding Financial Bubbles: How the Stock Market Nearly Tripled During Mediocre Growth
- Exploring the Risks of Financial Bubbles and Quantitative Easing: An Interview with Tim
- The State of Public Employee Pensions: Funding Ratios, Social Security Coverage, and Contributions
- Diversification and Rebalancing (06-30-20)
- Retired with a substantial 401(k) balance? Here’s what you need to know about getting the income you need
- I’m Positive Negative Interest Rates Won’t Work
- President Trump’s Risky Bet Against Our Trade Deficit
- Certified Annuity Specialist® (CAS®)
- Coronavirus Outbreak Has Caused Economic Chaos and Uncertainty
- Is QE 4 Stimulative?
- Diversification and Rebalancing: A Retirement Saver’s Best Friend
- How the New Retirement SECURE Act Impacts You
- Is the Federal Reserve Making It Up As They Go Along?
- The Federal Reserve’s Balance Sheet Troubles
- Why an Inverted Yield Curve Matters to You
- How the Fed’s Policy Change Could Impact Capitalism More Than Taxing Billionaires
- Diversification and Rebalancing a Retirement Saver’s Best Friend (6/2019)
- Assessing Your Risk Tolerance: Why It Matters in Investing – Contact Tim Now!
- Managing Beneficiary Designations: Insights from Financial Advisor Tim Hayes
- How Tax Cuts Can Help Solve the Public Employee Pensions Problem
- Is the Reduction of the Fed’s Balance Sheet a Ticking Time Bomb?
- Maximizing Retirement Benefits: A Guide to Rolling Over After-Tax Money and Beneficiary Planning
- Don’t Fear the Bond Market Reapers
- Is the Economy Getting Better?
- 2017 Boston Five Star Wealth Manager
- Should You Be Concerned About Bonds In Your Portfolio?
- The Impact of Tax Cuts on Your State Income Taxes and Financial Planning
- Is ex-Fed Chief Greenspan’s New Bond Bubble Warning, ‘Irrational Exuberance,’ Déjà Vu?
- Is It a Smart to Reduce Taxes If a Big Buyer of Your Debt Stops Buying?
- Tax Cuts and the Fed Reducing its Balance Sheet is Risky
- The Big Risk Awaiting the New Federal Reserve Chair
- Can President Trump’s Tax Cuts Stimulate the Economy?
- The Folly of Negative Interest Rates
- 2017: The Year the Federal Reserve is Living Dangerously
- Don’t Overreact to Skyrocketing Consumer Confidence
- What the Department of Labor Fiduciary Rule Means to You
- The Bond Market Might Be President Trump’s Toughest Opponent
- Why Brexit Matters
- Bernie & the Trump Foretelling the End of the 35 Year Bull Market in Bonds
- The 2015 Fiduciary Proposal
- Fannie Mae Is Back From the Dead
- What Politicians and Real Estate Developers Get Wrong About Government Debt and Deficits
- The Greek Clash: Should I Stay, or Should I Go?
- Understanding the Benefits of the Department of Labor’s (DOL) Fiduciary Rule with Securities-Licensed Financial Advisor Tim Hayes
- The United States Is Not Japan
- Don’t Put All Your Investments in One Basket (06/2016)
- Best Interest Contract Exemption
- Know the Ins and Outs before Refinancing a Student Loan
- Tim Hayes Named Five Star Professional Wealth Manager
- Are Interest Rates Heading Up?
- New Rules for Retirement Plan Fiduciaries
- Buying Gold: Trick, or Treat?
- Know the Ins and Outs Before Refinancing a Student Loan
- Tim Hayes Named Five Star Professional February 2015
- AIF® Designation
- Certified Fund Specialist® (CFS®)
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- Client Testimonials: Tim Hayes – A Skilled, Client-Centered, and Integrity-Driven Financial Advisor
- Privacy Policy
- Build a Life You Love With Independent Financial Advisor Tim Hayes
- When to Meet With Financial Advisor Tim Hayes: In-Person, Zoom, or Phone?
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