Financial Advisor Tim Hayes

Tim Hayes

Investment Advisor Representative

Independent Financial Advisor Tim Hayes Offers Savvy Investment Strategy From an Unbiased Perspective

  • I emphasize education – I’ll make sure you’re aware of all your investing options…and the potential risks and upsides of each. I’ll give you the unbiased perspective along with my honest opinions based on years of investing experience.
  • I stick around – My clients know that I am there for them, and I am extremely proactive about providing ongoing counsel and advice as changes in your life affect your financial situation and objectives.
  • Unbiased advice – No cookie-cutter solutions or corporate financial overlords here! Being independent means I have the freedom to choose from all the options available to you and recommend the ones I feel are best suited to your needs. Regardless of who’s offering it. Unlike some advisors, the sky is the limit in terms of the ideas, products and strategies I may bring to your attention.

Find Out Where You Are

This discovery questionnaire (16 Page Pdf) is intended to help you gather your financial information into one place, as well as generate thoughts, questions, and opinions about your personal financial goals and situation.

Independent, But Not Alone

  • Affiliated with Cambridge Investment Research an independent broker-dealer for financial professionals dedicated to providing unbiased investment advice.
  • Cambridge Investment Research Advisors an a SEC Registered investment adviser.

Professional Designations

Accredited Investment Fiduciary

Accredited Investment Fiduciary, or AIF®

Individuals who hold the AIF® designation have:

  • Completed the AIF® Designation Training;
  • Passed the AIF® designation exam;
  • Met the designation’s prerequisites and qualification and conduct standards;
  • Accrued a minimum of six hours of continuing professional education, with at least four hours coming from fi360-produced sources;
  • Attested to a code of ethics.

Chartered Retirement Plans Specialist, or CRPS®

Individuals who hold the CRPS® designation have:

  • Completed a course of study encompassing design, installation, maintenance and administration of retirement plans;
  • Passed an end-of-course examination that tests their ability to synthesize complex concepts and to apply theoretical principles to life situations;
  • Pledged adherence to the CRPS® Standards of Professional Conduct, and are subject to a disciplinary process in that regard.

CRPS® designees renew their designation every two years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirements

Chartered Retirement Plan Specialist
Accredited Wealth Management Advisor

Accredited Wealth Management Advisor or AWMA®

Individuals who hold the AWMA® designation have:

  • Completed a course of study encompassing wealth strategies, equity-based compensation plans, tax-reduction alternatives, and asset-protection alternatives;
  • Passed an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations;
  • Agreed to adhere to the AWMA® Standards of Professional Conduct, and are subject to a disciplinary process in that regard.

AWMA® designees renew their designation every two years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirements.

Certified Fund Specialist

CFS designation is awarded upon passing an examination on mutual funds, ETS, REIT’s, closed-end funds, and similar investments. Advanced studies on topics include:

  • Fund analysis and selection;
  • Asset allocation;
  • Portfolio construction;
  • Sophisticated investment strategies for risk management, taxes, and estate planning.
Institute of Business and Finance

Securities Licenses

Series 66 Exam, taken 12-18-2012, scored 93%
Passing the exam qualifies candidates as both securities agents and investment advisor representative
Series 7 Exam, taken 07-20-2005, scored 92%
Individuals who pass the Series 7 examination are eligible to trade all securities products: corporate securities, municipal fund securities, options, direct participation programs, investment company products, variable contracts, etc.
Series 6 Exam, taken 02-23-1989, scored 92%
The exam measures the degree to which each candidate possesses the knowledge needed to offer the products of investment and insurance companies, including the sales of mutual funds and variable annuities.
Series 63 Exam, taken 03-22-1989, scored 86%
The exam qualifies candidates as securities agents within a state. Nearly all states require people to pass the Series 63 for state registration.
Other Licenses
I am also licensed to offer life, health, accident, disability and long-term care insurance plans, as well as fixed annuities.

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Paying For Services

Hourly Fee

Some clients prefer to pay an hourly fee
$175/hour
  • ideal for clients who want financial planning, retirement planning, or wealth management advice
  • but don’t want to move their accounts
Contact Tim

Commision

Others Prefer the Commission Model
varies
  • commission varies by product
  • ideal for smaller accounts (less than $50,000)
  • Roth IRAs and some 403(b) plans
Contact Tim