Timothy Hayes, Certified Social Security & Medicare Professional
Timothy Hayes
Financial Advisor, Cambridge Investment Research
www.independentadvisorthayes.com
Professional Profile
Timothy Hayes, NSSA® and IRMAACP™, is a seasoned Financial Advisor with over 30 years of expertise in financial planning, specializing in Social Security, retirement income, and 403(b) planning for public employees and retirees in Massachusetts. Based in Boston and South Dartmouth, Tim is committed to providing personalized, fiduciary advice that prioritizes your best interests without the pressures of sales quotas or corporate agendas.
Holding respected credentials such as AIF®, CRPS®, APMA®, NSSA®, and IRMAACP™, Tim offers a comprehensive approach to financial planning. The dual designations enable him to help clients understand and manage IRMAA-related Medicare costs, coordinate Medicare, tax planning, and Social Security decisions, and reduce unnecessary premium surcharges and costly planning mistakes.
Having earned the NSSA® Social Security certification and the IRMAA Certified Planner (IRMAACP™) program, Timothy Hayes is equipped to guide clients through complex Social Security and Medicare decisions.
Tim's independent practice allows him to serve clients directly, fostering a trustworthy environment where straightforward, honest advice is paramount. His extensive industry experience, combined with a personal commitment to his communities, enables him to build meaningful relationships with clients. Whether you prefer in-person meetings, phone consultations, or virtual appointments, Tim adapts to your needs to provide exceptional service.
If you’re looking for a reliable and knowledgeable Financial Advisor who can guide you through Social Security complexities and retirement planning, Timothy Hayes is here to help. Contact him today at (508) 277-5847 to schedule a conversation and take the first step towards securing your financial future.
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How an NSSA® Certified Advisor Will Help You
An NSSA® Certified Advisor provides the knowledge and expertise needed to maximize your Social Security benefits and help you achieve a secure retirement.
Avoid Costly Social Security Claiming Mistakes
Navigating Social Security rules can be complex, and even small mistakes can cost you thousands of dollars in lost benefits. An NSSA® Certified Advisor ensures you make informed decisions and avoid costly errors.
Holistic Retirement Planning
An NSSA® Advisor integrates your Social Security strategy with your overall retirement plan, ensuring your assets work together to meet your financial goals and a clearer path to a secure future.
Guidance You Won’t Get from the Social Security Office
The Social Security office provides information but doesn’t offer personalized advice or strategies. An NSSA® Certified Advisor delivers tailored solutions based on your unique circumstances and goals.