Tim Hayes Financial Advisor for Public Employees

https://www.independentadvisorthayes.com/jeremy-grantham-might-be-right-its-only-the-fifth-inning/

Jeremy Grantham Might Be Right. It’s Only the Fifth Inning. Jeremy Grantham Might Be Right. It’s Only the Fifth Inning. Market Perspective  ·  June 29, 2026 Jeremy Grantham Might Be Right.It’s Only the Fifth Inning. On the most expensive market in American history, the AI trade, and why you don’t score the game in the fifth inning. Last Friday on CN...

https://www.independentadvisorthayes.com/retirement-plus-buyback-decision/

The RetirementPlus Buyback Decision Legislation Pending — The RetirementPlus buyback bill has passed the Massachusetts House unanimously and is awaiting Senate action. The 180-day election window begins on the date it is signed into law. Massachusetts Teachers · RetirementPlus · 2026 The RetirementPlus Buyback Decision Pending leg...

https://www.independentadvisorthayes.com/buying-back-service-time/

Should MA Educators Buy Back Out-of-State Years? | Tim Hayes Massachusetts teachers, professors & administrators: Get a fiduciary analysis to see if buying back out-of-state service will increase your pension. Schedule a strategy session.

https://www.independentadvisorthayes.com/national-financial-advisor-public-employee/

National Financial Advisor for Public Educators Retirement As a national fiduciary advisor for public educators, I provide nationwide expert guidance to optimize 403(b) and 457(b) strategies, audit multi-state pensions, and help you regain fiduciary control.

https://www.independentadvisorthayes.com/the-new-rules-of-financial-advice/

Fiduciary vs. Reg BI: A Guide for Public Employees on Advisor Fees Understand the new rules of financial advice: Fiduciary (IAR) vs. Reg BI (Broker). Learn about fee-vs-commission conflicts and the "Statutory Employee" trap in 403(b) plans.

https://www.independentadvisorthayes.com/403b-plan-advisor-boston-tim-hayes/

The Annuity Trap: Why High-Cost Annuities Dominate MA School 403(b) Plans and Your Low-Cost Options Why do high-cost annuities dominate MA 403(b) plans? Learn your low-cost mutual fund options and the step-by-step process for switching providers while still working.

https://www.independentadvisorthayes.com/the-403b-rollover-reclaiming-your-retirement-from-employer-control/

The 403(b) Rollover: Reclaiming Your Retirement from Employer Control A 403(b) rollover is the first step to professional management. Advisor Tim Hayes coordinates your assets with your pension and Social Security for life.

https://www.independentadvisorthayes.com/guides-massachusetts-public-employees/

Guides and Services for Massachusetts Educators and Public Employees Access essential financial guides for MA public employees: WEP/GPO repeal impact, 403(b) plan reviews, Social Security strategies, and pension coordination for retirement success.