Tim Hayes Financial Advisor for Public Employees

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.

I'm Tim Hayes — an independent, fiduciary financial advisor specializing in retirement planning for public employees.
I work with Massachusetts teachers, police officers, firefighters, state workers, and municipal employees — as well as public employees nationwide.
Here's what I help with:
✅ Social Security timing & the WEP/GPO repeal
✅ 403(b) and 457 plan guidance
✅ Pension planning & service buybacks
✅ Lifetime income strategy
Fee-based. No sales pressure. You work directly with me — not a junior associate.
📅 Book a free 20-minute intro call: independentadvisorthayes.com
📞 (508) 277-5847

https://www.independentadvisorthayes.com/public-employees-spousal-benefits-guide/

Maximize Social Security Benefits for Public Employees: Expert Guidance on WEP and GPO Repeal Summary: Optimize your Social Security benefits with expert guidance on the repeal of WEP and GPO. Navigate complex changes to ensure maximum retirement income.

https://www.independentadvisorthayes.com/trump-musk-economy-debt/

Impact of Trump and Musk’s DOGE Program on the US Economy: Debt, Deficit, and Reduction in Government Spending Summary: President Trump and Elon Musk are aiming for significant government spending cuts through the DOGE program, which affects the economy and federal debt as they address fiscal challenges challenges.

Financial Advisor Tim Hayes Independent Boston Financial Advisor Offering Helpful Insights and Personalized Advice

https://www.independentadvisorthayes.com/impact-of-the-windfall-elimination-provision-government-pension-offset-repeal/

The Impact of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) Repeal on Public Employees Financial Advisor Tim Hayes discusses the impact of the landmark Windfall Elimination (WEP) and Pension Offset (GPO) repeal on public employees