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Tim Hayes, AIF®, CRPS®, AWMA®, CFS®

Put Your Money in the Hands That Know Best

Cambridge Investment Research Advisors, Inc.



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Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Other Financial Planning
    • -Tax Planning
  • Insurance
    • -Life Insurance
    • -Long-Term Care Insurance
    • -Annuities
    • -Business Insurance
  • Pension Consulting
    • -401k
    • -403b
    • -457
    • -Defined Benefit
    • -Other Pension Consulting
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Businesses or Institutional Clients
    • -Other Portfolio Management


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types



No timeline events available.
Employer Years Dates
Cambridge Investment Research Advisors, Inc 9 years, 8 months Aug 2010 - Present
Cambridge Investment Research, Inc 9 years, 8 months Aug 2010 - Present

Designations & Memberships

  • Financial Services Institute
    Financial Services Institute
    Founded in 2004, FSI is the only advocacy organization working on behalf of independent broker-dealers and independent financial advisors. Our vision is that all individuals have access to competent and affordable financial advice, products, and services delivered by a growing network of independent financial advisors affiliated with independent financial services firms. Our mission is to create a healthier regulatory environment for independent broker-dealers and their affiliated independent financial advisors through aggressive and effective advocacy, education, and public awareness. Our strategy supports our vision and mission through robust involvement in FINRA governance, constructive engagement in the regulatory process, and effective influence on the legislative process.
  • Accredited Investment Fiduciary
    Accredited Investment Fiduciary
    The Accredited Investment Fiduciary® (AIF®) designation represents a thorough knowledge of and ability to apply the fiduciary practices.
  • Accredited Wealth Management Advisor
    Accredited Wealth Management Advisor
    Individuals holding this designation are well versed in wealth transfers, federal taxation, retirement planing and planning for end-of-life needs.
  • Certified Fund Specialist
    Certified Fund Specialist
    CFS Designees have expertise in mutual funds and the mutual fund industry. These individuals advise clients on which mutual funds best suit their particular needs. Does not license individuals to buy or sell mutual funds.
  • Chartered Retirement Plans Specialist
    Chartered Retirement Plans Specialist
    The CRPS Program is specifically targeted at professionals who design, install, and maintain retirement plans for the business community.

Articles and Answers

Insights by Timothy Hayes

Published 2015-01-06 03:41:39
Published 2015-01-07 02:13:54
Are We in Another Financial Bubble
Published 2015-02-25 04:05:24
The Politics of Money
Published 2015-11-05 11:58:43
A Roth IRA’s Many Benefits
Published 2014-12-24 03:38:29
Understanding the Gift Tax Exclusion
Published 2014-12-18 02:45:41
How Does My Independence Benefit You
Published 2014-12-14 05:27:20
Could Assumptions Harm Your Retirement Plan
Published 2015-01-31 04:50:18
Women, longevity risk & retirement saving
Published 2015-02-04 03:12:50
Published 2015-02-05 07:01:27
Social Security Survivor Benefits
Published 2015-02-17 03:09:57
2015 IRA Deadlines Are Approaching
Published 2015-02-01 08:44:23
A Guide to 2015 Tax Law Changes (and more)
Published 2015-01-29 07:52:18
Debunking a few popular retirement myths
Published 2015-01-28 04:10:53
Avoiding the Common 1040 Mistakes
Published 2015-01-27 03:54:50
Rules changes for retirement plan fiduciaries
Published 2015-01-25 03:45:37
4 Money Blunders That Could Leave You Poorer
Published 2015-01-24 05:05:23
4 Money Blunders That Could Leave You Poorer
Published 2015-01-23 04:23:44
Less protection for inherited IRAs
Published 2015-01-22 04:12:02
Pension Plans & Derisking
Published 2015-01-21 02:56:36
What’s Your Financial Health Score
Published 2015-01-15 03:50:21
Yes, Young Growing Families Can Save & Invest
Published 2015-01-20 07:19:27
Getting a Jump on Tax Season
Published 2015-01-13 02:57:44
Key Tax Breaks Retroactively Reinstated
Published 2014-12-29 07:34:43
The Market Is Up & I Am Not ... Why?
Published 2014-12-20 02:31:47
End-of-the-Year Money Moves
Published 2014-12-21 05:59:17
Who’s Helping You With Your 403(b) Account
Published 2014-12-17 08:05:38
Setting Up Your Estate to Minimize Probate
Published 2014-12-23 02:08:44
A Primer for Estate Planning
Published 2014-12-17 01:39:20
Changes in the Retirement Benefits Landscape
Published 2014-12-16 06:36:06
Is It Time to Annuitize? It Just Might Be
Published 2014-12-31 02:08:48
72(t) Distributions
Published 2015-01-05 04:23:56
Gauging your financial well-being
Published 2015-01-19 03:28:55
Why people want independent financial advisors
Published 2015-01-12 03:16:41
What beneficiaries need to know
Published 2015-01-16 05:00:16
The value of life insurance trusts
Published 2015-01-10 03:40:36
Talking About Money Before and After You Marry
Published 2014-12-19 03:07:01
IRS Raises Retirement Plan Contribution Limits
Published 2014-12-16 03:20:12
The A, B, C, & D of Medicare
Published 2014-12-13 04:00:45
Who Needs Estate Planning?
Published 2014-12-12 03:22:01
Where Money Comes From
Published 2014-11-21 06:36:45
Stumbling Growth
Published 2014-10-16 06:00:26
Investment Shouldn't Be a Four Letter Word
Published 2014-10-07 11:55:20
Cambridge Named 2014 Broker-Dealer of the Year
Published 2014-09-15 12:39:58
Net Unrealized Appreciation
Published 2014-09-11 10:39:56
Are Interest Rates Waiting for Godot?
Published 2014-09-10 12:25:58
    *Articles are published by advisors without compensation.


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    Licenses & Conducts

    U.S. Securities and Exchange Commission
    • license status
    • disclosures
    • as of date
      Feb 27, 2020
    • license status
    • disclosures
    • as of date
      Feb 27, 2020
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:


    Cambridge Investment Research Advisors, Inc.

    Last updated on Oct. 31, 2019
      • $44.3B
        Total Assets Under Management
      • N/A
        Total Assets Under Advisement
      • 276K
      • $160.5K
        Estimated Average Account Balance


    Types of Compensation Arrangements