Summary: Learn about bank deposits and how they may go down due to loan repayment, exchanges for cash, asset sales, and quantitative tightening.
Summary: Discover the biggest financial story of 2022: the comeback of inflation. Will it be transitory or more ominous? Contact Tim to learn more.
Summary: Learn about the true origin of money and how it has evolved over time including the role of bitcoin in the financial landscape.
Understanding the Federal Reserve’s Plan to Fight Inflation: Bonds, Interest Rates, and Balance Sheet Reduction
Summary: Discover how the Federal Reserve combats inflation by adjusting interest rates and reducing their balance sheet, and learn about the impact on the
The Truth About Money Creation; A Guide to Understanding the Role of Banks and Government In the Economy
Summary: Are you ready for Memorial Day Discussion with your family? Learn about the arguments between Ayn Rand fans and Paul Krugman followers on governemtn
Factors Affecting US Economic Growth: Investment, Government Spending, Exports/Imports, and Consumption
Summary: In this article, we explore the factors impacting US economic growth, including investment spending, government spending, exports/imports, and consumption.
Summary: Contact Tim to learn about the inspiration behind his white paper, “Are We in Another Financial Bubble?” Explore Tim’s research on the Federal
Financial Advisor Tim Hayes
I’ve held an industry securities registration for 30+ years and am subject to SEC and FINRA oversight.
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.
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.