Broker Check

Advice for What Matters To You.

Our Services

We work in partnership with our clients as stewards of their financial futures:

Asset Management

The process of investment management is highly individualized and should not be thought of as pre-packaged. We believe that capital preservation is as important, if not more, than capital growth-particularly in a turbulent economy. We are neither “buy and hold” managers nor active traders.  Rather, we employ an approach called “dynamic asset allocation” through which we make adjustments regularly. Each portfolio has a strong foundation of low volatility income-producing securities, both fixed-income and equity. We pair this with a variety of growth investments including core holdings for a longer term horizon, and sector specific positions that are more opportunistic. We review portfolio results continuously and furnish client performance reports on a quarterly basis. Portfolio performance information is also available to clients online and on demand via Cambridge Statements.

Our steps to effective investment management are:

  • Define client’s goals and objectives, constraints and concerns, and available resources
  • Draft an Investment Policy Statement (IPS)
  • Determine appropriate asset allocation and select suitable securities
  • Implement investment strategy
  • Monitor results and make adjustments when necessary

Financial Planning

We customize a plan that integrates our client’s objectives within a larger, overall financial strategy. We evaluate each client’s income and expenses, net worth, liquidity, college savings, investment approach and performance, retirement planning, tax efficiency, and estate planning. Once the financial plan is drafted and reviewed, we serve as an important conduit to client’s other advisors, and our trusted partners, to implement the various action items. Client meetings offer an opportunity to review investment and planning results, discuss non-financial issues and consider life events that could have an impact on a client’s financial priorities.

Risk Management

Most people work very hard to build wealth, few take the time to properly protect the assets that they do have- or will need in the future. Building a solid financial foundation means being prepared for the unexpected. No amount of financial planning can prevent a debilitating injury, premature death or natural disaster. But the proper insurance coverage can make the difference between financial harm and stability. We will work with you to identify any coverage shortfalls in the areas of life insurance, disability income, long term care, property & casualty, health insurance, and personal & professional liability.

Employer-Sponsored Retirement Plans

We provide consulting and implementation services to small and medium sized companies and plan Trustees.  From plan design and installation to fiduciary oversight , asset management, and participant services, our goal is to maximize benefits and minimize administrative burden to our business owners and their employees.  Our corporate retirement plan partners include many of the best platform sponsors and Third Party Administrators (TPAs) in the industry.  We work primarily with the following plan types:

  • 401(k) / Profit Sharing Plans
  • Solo 401(k)
  • Defined Benefit and Cash Balance Plans

Diversification and asset allocation strategies do not assure profit or protect against loss.