Help You Retire Comfortably and Meet Your Goals

Financial Advisor Tim Hayes 25+ Years of Retirement Planing Advice

  • Measure how well your investments match up with your risk tolerance and goals and income needs.
  • Make recommendations for changes to your finances if needed.
  • Figure out whether you should keep your 401(k) or 403b with your previous employer or roll it into an IRA, where I will build you a new portfolio.
  • Build that portfolio using your risk tolerance with the goal of creating enough retirement income but not outliving your money.
  • Look over any pension options for which you may be eligible, review any Social Security and Medicare questions you may have.
  • Make recommendations for changes to your finances if needed.
Retirement Income Products and Services

Tim is a Financial Advisor Who Can Help
You with the Following:

Asset Management

Design your retirement portfolio to meet your goals. Consistent with how much risk you are comfortable taking.

Mutual Fund and ETF Due Diligence

Offer a selection process using fi360. Screening 10,000+ funds down to a couple hundred eligible for use in your retirement portfolio.

Portfolio

Recommend investments, based on an explicit balance of growth vs. security.

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Review Your Retirement Accounts

Start your review with fi360’s Proposal Report™ to compare your current portfolio to the portfolio developed from your risk tolerance.

Taxes

Design a strategy for minimizing your tax burden.

Net Unrealized Appreciation

If you own employer stock in your retirement plan and if that stock has gone up when you retire or leave your company you should be aware of Net Unrealized Appreciation.

Can You Really Trust Doing
It Yourself ?

Retirement Income

However, now you need income, not growth. Over the years you owned some bonds with mixed success. Moreover,unlike your foray into equity investment, this time you cannot afford on-the-job training. You need the income now. Plus, you have less time to recover from any mistakes.

Or Do You Need a Financial Advisor

  • with a keen understanding of interest rates and the bond market:
  • knowledge that is imperative when one talks about retirement income;
  • access to the products necessary to help you transition from growth to income;
  • will research your accounts and let you know if leaving it with your 401(k) is a good option, or roll it over
  • will work to keep your costs low—because, in a low yield world, the less you pay to someone else, the more you keep for yourself

When We Are Done

You get a retirement portfolio where all of your investments work together to meet your retirement income goals.

Rollover Advice for Individuals and Couples

  • review the fees in your 401(k) plan
  • review the fund lineup in your 401(k)
  • check if there are enough choices to offer retirement income security
  • calculate your retirement risk tolerance score
  • compare your risk score with your current 401(k) allocation
  • recommend if you should leave your 401(k) in your plan or roll over it to an IRA
  • design your retirement portfolio in either your 401(k) or IRA using your retirement risk tolerance and income goalsP

Please be sure to speak to your advisor to carefully consider the differences between your company retirement account and investment in an IRA. These factors include, but are not limited to changes to the availability of funds, withdrawals, fund expenses, fees, and IRA required minimum distributions.

Retirement Income Products and Services

You should consider me as your financial advisor when switching from growing your retirement accounts to distributing them.

This transition usually means moving some money from stocks to bonds, and I am a well-schooled in the economy, inflation, interest rates, and the bond market.

Do I need to roll over my account for you to provide advice?

No. You don’t need you to roll over your accounts to get advice. I offer flexible payment options for clients. I can have you pay an hourly fee if it costs you more to roll it over.

One of the reasons the Department of Labor created the Fiduciary Rule is their concern that financial advisors are recommending clients roll their 401(k) or 403(b) when it would cost them less to keep their money in their employer’s plan.

My advice is ongoing as we continue meeting and adjusting your accounts in retirement getting you the income and security you need.

Retirement Accounts