Who’s Helping You With Your 403(b) Account?

For the past 25 years, I’ve had the pleasure of providing financial advice to educators as their advisor for their 403b plans. During this time, I have accumulated a reservoir of knowledge on your retirement system, the social security offset/windfall elimination, 403b programs, and other financial issues specific to educators.

For educators, we review the choices available to you in your school system’s 403b plan. I recommend one or two of them, and then I build and monitor your 403(b) portfolio.

  • I emphasize education – I am ready to give you my unbiased opinion and my perspective resulting from years of experience.
  • I stick around – My clients know that they can turn to me today and tomorrow, as I have maintained relationships with them. Rather than doing just the minimum, I want to provide you with ongoing advice as changes in your life affect your financial situation and objectives.
  • Unbiased advice – No cookie-cutter solutions here. Being independent means, I have the freedom to search the 403(b) options available to you and recommend the ones I feel best suited to your needs. 

Your 403(b) is potentially one of the best retirement savings vehicle you have. An ongoing relationship with a financial consultant may help you realize that potential, and help you avoid impulsive decisions that could have a negative impact on your 403(b) account.

The Catch-up Options of 403(b) and 457 Plans for Educators

Public school educators including university professors and administrators can save more pretax than any other employee in either the public or private sector.

Learn More

Social Security Windfall Elimination and Pension Offset

Massachusetts public employees receiving a state pension get impacted by these two laws.

Learn More

The Public Employee Pension Puzzle

Public employee pensions are funded in three stages: (1) states contribute; (2) employees put in a % of their salary (3) the money grows.

Learn More

Get a Free 403(b) Consultation:

Financial Advisor Tim Hayes

Tim Hayes

Investment Advisor Representative

Offices

Boston
39 Braddock Park #5
Boston, MA 02116

Dartmouth
126 Horseneck Road
S. Dartmouth, MA 02748

Phone

(508) 277-5847

403(b) Plans I work with:

  • Fidelity 403(b)
  • Oppenheimer
  • Security Benefit
  • Axa Equitable
  • Aspire Financial
  • Putnam Funds
  • American Funds
The 403(b) Providers In Your School System.

Each provider has their own fee structure, fund choices, and product features.

A

Abington Public Schools

Acton- Boxborough Regional School District

Amesbury Public Schools

Arlington Public Schools

Ashland Public Schools

Attleboro Public Schools

Avon Public Schools

B

Bedford Public Schools

Bellingham Public Schools

Belmont Public Schools

Beverly Public Schools

Billerica Public Schools

Blue Hills Regional Technical School

Boston Public Schools

Boxford Public Schools

Braintree Public Schools

Brookline Public Schools

C

Canton Public Schools

Carlisle Public Schools

Carver Public Schools

Chelmsford Public Schools

Cohasset Public Schools

Concord Public Schools

Concord-Carlisle Regional School District

D

Danvers Public Schools

Dartmouth Public Schools

Dedham Public Schools

Dover Public Schools

Dover Sherborn Regional School District

F

Fall River Public Schools

Foxborough Public Schools

Framingham Public Schools

Freetown Lakeville Regional Schools

G

Gloucester Public Schools

Groton-Dunstable Regional School District

H

Hanover Public Schools

Harvard Public Schools

Holliston Public Schools

Hopkinton Public Schools

Hudson Public Schools

L

Lawrence Public Schools

Lexington Public Schools

Lincoln-Sudbury Regional High School

Lowell Public Schools

Lynnfield Public Schools

M

Malden Public Schools

Manchester Essex Regional School District

Mansfield Public Schools

Martha’s Vineyard Regional High School

Marshfield Public Schools

Masconomet Regional School District

Maynard Public Schools

Melrose Public Schools

Middleborough Public Schools

Milton Public Schools

Minutemen Regional

N

Nahant Public Schools

Natick Public Schools

Needham Public Schools

Newburyport Public Schools

Newton Public Schools

North Andover Public Schools

North Attleborough Public Schools

Northborough Southborough Regional School District

North Reading Public Schools

Norton Public Schools

Norwood Public Schools

P

Pentucket Regional School District

Plymouth Public Schools

R

Randolph Public Schools

Revere Public Schools

Rockland Public Schools

S

Sandwich Public Schools

Saugus Public Schools

Scituate Public Schools

Sherborn Public Schools

Somerville Public Schools

South Shore Education Collaborative

Stoneham Public Schools

Stoughton Public Schools

Sudbury Public Schools

T

Tewksbury Public Schools

Triton Regional School District

Tyngsboro Public Schools

W

Wakefield Public Schools

Waltham Public Schools

Watertown Public Schools

Wellesley Public Schools

Westborough Public Schools

Westford Public Schools

Weston Public Schools

Westport Public Schools

Westwood Public Schools

Weymouth Public Schools

Whitman-Hanson Regional School District

Wilmington Public Schools

Winchester Public Schools

Woburn Public Schools

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