Joseph W. Hayes

CFP®,CEPA®,CLU®, MBA
Wealth Advisor, Director
jhayes@hightoweradvisors.com
North Andover
Let’s Connect

Education

  • Bachelor of Arts from Brandeis University
  • Master of Business Administration (MBA) from Northeastern University

Certification(s) & Designation(s)

  • CERTIFIED FINANCIAL PLANNER® (CFP®)
  • Certified Exit Planning Advisor (CEPA)
  • Chartered Life Underwriter (CLU®)

About Joseph W.

Joe has over 40 years of experience in the financial services industry. He has developed and maintained long-term client relationships with families and small businesses, with a focus on financial planning and retirement income planning. Joe specializes in the areas of insurance planning and investment management. Previously, Joe worked as a financial advisor, individual insurance broker and employee benefits consultant at Mass Mutual Financial Group and Guardian Life.

He is a CERTIFIED FINANCIAL PLANNER® professional, Chartered Life Underwriter, Certified Exit Planning Advisor, and a member of the Financial Planning Association of Massachusetts. He has his Series 65. Joe has a Bachelor of Arts from Brandeis University and an MBA from Northeastern University.

Joseph W.’s Recommended Reads

  • 5 minutes

    Weekly Wisdom: Fed Meeting Recap – Higher Rates, Stronger Growth

    The Fed Delivers a Rate Hike The Federal Reserve raised the federal funds target range by 25 basis points to 3.75%–4.00% at its September meeting, marking the first rate increase in more than three years.1 The decision was unanimous and largely anticipated by markets, but the more important message came from the Fed’s updated projections and…

  • 2 minutes

    The Most Powerful Financial Tool Women Have Isn’t Money. It’s Their Voice.

    Why Asking Questions May Be the Key to Financial Empowerment For years, conversations about women’s financial empowerment have centered on income, investing, and retirement planning. While those topics remain important, new research suggests the real catalyst for financial confidence may be something much simpler: asking questions. According to the Savvy Ladies 2026 Mid-Year National Women’s…

  • 2 minutes

    In the News: Stephanie Temporiti Shares Inheritance Planning Insights with Kiplinger

    Inheriting a stock portfolio can create meaningful possibilities, but it often happens during a period of grief when making major financial decisions may feel especially difficult. Stephanie Temporiti, Wealth Advisor and Executive Director at Hightower Signature Wealth, recently spoke with Coryanne Hicks of Kiplinger about the questions beneficiaries should ask before deciding what to do…