At Cambridge Capital Management, our firm stands apart from the competition by offering customized, Fee-Only services executed through a strategic process.

We are earnestly committed to upholding an exceptional fiduciary standard to provide our clients with honest, objective financial advice.

The Cambridge Capital Difference

WHY CHOOSE A FEE-ONLY FINANCIAL FIRM?

Fee-Only financial planners are different from most advisors because they are paid directly by their clients. This unique independent status allows them to remain direct and unbiased in their advice.

Other firms may have the ability to charge clients a fee for acting as their adviser while also receiving commissions on the products they sell to their clients. In our opinion, this creates the potential for corrupted motivation of the advisor, because the adviser has an incentive to sell products in the best interest of their firm, not their client.

At Cambridge Capital Management, LLC, we receive no benefit from brokerage firms, commissions, finder's fees, or products of any kind.

This allows us to focus strictly on developing and implementing disciplined investment and financial planning strategies for you, without interference by any conflicting self-interests.

OUR PROCESS

We understand that today's consumers have access to endless resources for obtaining financial advice-the internet, magazines, investment clubs, talk shows and word-of-mouth. Knowing what information is relevant, how to analyze it, and how to turn it into wise financial decisions, however, requires more than occasional research and generalized guidance.

At Cambridge Capital Management, LLC, we take a comprehensive approach to financial planning, providing an array of customized financial services to each client. With our process, clients benefit from coordinated investments and strategic financial planning.

To establish a long-term, mutually rewarding relationship with our clients, we adhere to the following process for pinpointing the best possible financial solutions:

Establishing the Relationship
Our client relationships typically begin with phone calls and in-person meetings. During this time we learn about your needs and make sure you thoroughly understand what we can offer you. We will make a commitment only when we agree that the relationship can be mutually beneficial.

Gathering Necessary Information
We will gather the information from you needed to better understand your specific needs and objectives through meetings, discussions, and our investment policy questionnaire.

Integration of Key Wealth Management Elements
We will review general financial issues, such as cash-flow needs, tax situation, retirement planning, estate planning, and other considerations specific to your situation. This will ensure that our investment strategy meets all of your personal financial goals.

Development of Your Investment Strategy
Together we will develop an appropriate investment strategy for your portfolio. This will include an asset allocation based on our understanding of your risk tolerance, time horizon, and tax situation. We will continually evaluate the appropriateness of this strategy as your situation evolves.

Portfolio Transition Strategy
We will transition your current holdings into our new strategy through a mutually agreed upon process, while minimizing any tax ramifications. We will help you to consolidate your current investment accounts, coordinate asset transfers, and monitor the movement process to ensure everything takes place as agreed upon.

Portfolio Implementation and Ongoing Management
Once your assets have been consolidated and relocated, we will monitor and adjust your portfolio as needed using our discretionary authority. Any changes will be based on our manager's due diligence and tactical asset allocation decisions.

Portfolio Reporting and Reviews
You will receive a monthly statement from your custodian for each of your accounts. Additionally, you will receive a quarterly statement from us depicting your portfolio's holdings and performance versus various asset class benchmarks. You will also receive our quarterly newsletter at that time which discusses market reviews written by the principal of our firm and informative concept pieces. We are always available to meet with our clients to review their portfolio and answer any questions that may arise.

THE RIA FIDUCIARY STANDARD

Federal law requires that Registered Investment Advisers (RIA) be held to a Fiduciary Standard. This means an advisor must act solely in the best interest of the client; even if that interest is in conflict with the adviser's own financial interest. Investment Advisers must disclose any conflict to the client prior to and throughout a business engagement. In addition, Investment Advisers must adopt a Code of Ethics and fully disclose how they are compensated.

Unfortunately, there are very few "financial advisers" that are federally or state-registered Investment Advisers (RIA). Most financial advisers are considered "Broker-Dealers" by the SEC. They are held to a lower standard of diligence on behalf of their clients. While they are required to be "fair and suitable" in their recommendations, they have no legal obligation to put your interests ahead of their own personal interests.

Cambridge Capital Management, LLC is committed to upholding the RIA Fiduciary Standard. Putting our clients' best interests first is neither a financial nor legal burden on us; it is a logical extension of the relationship we build with each client.

PROFESSIONAL AFFILIATIONS

Beyond our financial planning services, Cambridge Capital Management, LLC also maintains valuable professional affiliations to help further benefit our clients.

Charles Schwab & Company, Inc.
Our clients can have peace of mind knowing that Charles Schwab & Company, Inc. acts as our qualified custodian. As one of the largest financial institutions in the world, Schwab safely guards our clients’ assets while providing convenient online access, daily account valuations and streamlined monthly statements for easy review.

Diel & Forguson, LLC (click to view site)
Cambridge Capital Management, LLC was founded in 1999 as an affiliated company of Diel & Forguson Financial Group. As Ken Diel was celebrating 20 years in business with his accounting firm, he decided to start one of the first pure "fee-only" investment companies in the area. He wanted to expand his company to create solutions for a wider variety of financial needs and was passionate about providing independent, unbiased financial advice.

As a partner with Diel & Forguson, LLC, Cambridge Capital Management is able to extend valuable resources for accounting and tax planning to our clients.

NAPFA
Cambridge Capital Management, LLC is a registered member of the National Association of Personal Financial Advisors (NAPFA), the country's leading professional association of Fee-Only financial advisors. This membership qualifies us as being one of the few financial firms to meet the highest standards for professional competency, client-focused financial planning, and Fee-Only compensation.