MA-based, serving clients nationwide. I'm Tim Hayes — an independent, fiduciary financial advisor with 30+ years of experience working exclusively with public employees and their families. I help Massachusetts teachers, police officers, firefighters, state workers, and municipal employees navigate the decisions that define their retirement: Social Security timing (including the WEP/GPO repeal), 40
3(b) and 457 plan strategy, pension planning, and lifetime income. I also work with public employees nationwide on 403(b) rollovers, pension buybacks, and Social Security claiming strategies. What sets me apart: you work directly with me — not a junior associate. I'm fee-based, fiduciary, and completely independent. No sales quotas. No product pressure. Just clear, personalized guidance built around your goals.
📞 (508) 277-5847
🌐 independentadvisorthayes.com
📍 Boston & Dartmouth, MA | Virtual meetings available
