About

Life isn’t all about money, but it is an important tool for building the life you want. And, like any tool, best results happen when skilled, experienced hands are in control of it.

For over 25 years, I have studied the financial markets, always striving to learn more about, and adapt my knowledge to, the new financial “normal” as it is continually redefined.

Financial Advisor Tim HayesThe result: I can help you make smart wealth management decisions for every stage of your life, under all market conditions.

Don’t know what kind of investment to make?

Every smart investment decision starts with listening to you and asking you the right questions, which include:

  • What are your short-term and long-term financial goals?
  • What kinds of financial assets are you working toward?

As an independent financial advisor, I have access to many financial products, including mutual funds, ETFs, stocks, bonds, annuities, and life insurance programs. I use these and other products to build custom solutions for people, according to their individual needs and goals.

Not sure which retirement plan is best for you?

I build and manage retirement accounts for individuals with IRAs, Massachusetts public-school teachers with 403(b) accounts, and business owners for whom I design and manage SIMPLE, Solo 401(k) plans, and SEP Plans.

I also help employers to improve their 401(k) plans.

Boston Magazine and Five Star Professional Named Me a Five Star Wealth Manager 4 Years Running

About Five Star Wealth Manager Tim Hayes

In 2018, 2819 Boston wealth managers were nominated with only 487 projected winners.

To receive the Five Star Wealth Manager award, individuals must satisfy a series of eligibility and evaluation criteria associated with wealth managers who provide services to clients. Recipients are identified through research conducted by industry peers and firms. Third party rankings and recognitions from rating services or publications are not indicative of past or future investment performance. For more information, go to www.fivestarprofessional.com

For more information, go to www.fivestarprofessional.com.

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 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.

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.

Other Licenses

I am also licensed to offer life, health, accident, disability and long-term care insurance plans, as well as fixed annuities.

Designations

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 requirement

Certified Fund Specialist or CFS®

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.

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.

3 Payment Options

Fee-only %
Custom wealth management, I am a fiduciary adviser.
Hourly Rate $175 hour

Ideal for clients who want financial planning, retirement planning, or wealth management advice but don’t want to move their accounts.

Commission depends on the product
Ideal for smaller accounts (less than $50,000) and Roth IRAs and some 403(b) plans.

Eight years ago to reduce any conflicts of interest, I chose to become an independent financial advisor. This way I could provide my clients with financial advice devoid of any proprietary product pressures.

Independent, But Not Alone

Broker-Dealer

Cambridge Investment Research is an independent broker-dealer for financial advisors dedicated to offering unbiased investment advice to clients.

Investment Adviser

Investment advisory services are offered through Cambridge Investment Research Advisors, Inc., a SEC registered investment adviser.

Hiring Tim as Your Financial Advisor

Choosing Award-Winners

Cambridge Investment Research named a 2016 Broker-Dealer of the Year.

Tim was awarded a Five Star Wealth Manager in 2017,2016,2015,2014

Providing You Flexible Payment Options

Most customers pay a level fee of 1% or less depending on the size and complexity of their wealth management needs.

Some clients prefer to pay an hourly fee which is ideal for customers that want financial planning, retirement planning, or wealth management advice but don’t want to move their accounts.

Others prefer to pay a commission which varies by product. Ideal for smaller accounts (less than $50,000).

Fee Schedule for customers

Meeting Schedule That’s Convenient For You

The initial appointment should be in person. It can be at your home, office, or favorite coffee shop. There is no cost for this first introductory and fact finding meeting. If you become a client consistent contact either in person, email or by phone is essential.

Contact Tim

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