At Cambridge Capital Management, we are focused on providing clients with comprehensive investment and wealth management services. Through our wide range of financial planning solutions, we can help you identify and capitalize on your unique financial opportunities.

Our Financial Planning Solutions


Our retirement process begins by encouraging you to envision your retirement lifestyle.

What age would you like to retire? Where would you like to live? What activities do you want to do in retirement?Etc…

Once you have an idea of what retirement looks like for you, it's time for us to develop a plan to make that vision a reality. Together we will look at your current assets and project where those assets could be in the future. Should your vision be bigger than your current means, we'll show you what changes can be made now to help you get on track to reaching those goals in retirement.

A primary focus when putting together your retirement plan will be to minimize the taxation of your retirement assets. While working, you have many different retirement saving options like your employer-sponsored plan, Roth IRA, taxable savings, etc. Each option will be taxed differently upon distribution in retirement. We will use the types of accounts above to develop a savings strategy for you that will both manage your tax liability now and in retirement.

Once retirement begins, we will help you transition your savings strategy into a spending strategy that will best utilize and preserve your assets while giving you spending flexibility in retirement.


portfolio design

Designing an investment portfolio involves creating a policy to fit your needs based on various factors (investment goals, risk tolerance, and time horizon), choosing investments that match your policy, and implementing the design.

We begin by asking you some basic investment questions. For example, why are you investing? Perhaps you would like to buy a house, or maybe you want to retire early. Next, we need to know how comfortable you are with investing. Are you a cautious investor, or are you willing to take risks? Then, we take into account your time horizon for investing. Are you saving for your toddler's college education or to retire in a few years? Finally, we determine what types of investments will best help us work toward your goals. In other words, what is the proper asset allocation for your particular situation? Your answers to these questions can be a starting point for constructing an investment policy and mapping out a portfolio design.

investment selection

Once we've determined your financial goals and how your time horizon, risk tolerance, and liquidity needs affect them, it's time to think about how your investments might help you achieve those goals. When considering any investment, we think about what it offers in terms of three key investment goals:

Growth: In investing terms, growth (also known as capital appreciation) is an increase in the value of an investment; in other words, you can sell it for more than you paid for it. Your capital is the money you put into an investment initially. If you buy a stock that costs $10 a share and eventually sell the stock for $12 a share, that extra $2 represents capital appreciation, or growth.

Income: Some investments make periodic payments of interest or dividends. Those payments represent investment income, which can be spent or reinvested. For retirees, income obviously is a key investment goal, but it can be important for other reasons as well. For example, income payments can help offset the impact of the ups and downs of a growth-oriented investment.

Stability: This is sometimes known as capital preservation or protection of principal. An investment that focuses on stability concentrates less on increasing the value of that investment and more on trying to ensure that it doesn't lose value. If you plan to spend a certain amount of money soon and want to make sure the money is there when you need it, stability might be your primary investment goal.

With each individual investment, there is a relationship between growth, income, and stability. The more an investment offers in one of those areas, the more you may have to trade off in terms of the other two. The key to setting investment goals is to tailor each investment to what you want it to do for you. You may choose to have a single investment goal for a given financial goal, as in the example of making stability a priority for short-term money. Or you may prefer to combine several investments to achieve a balance among stability, income, and growth so that you maximize your overall returns at a level of risk that you're comfortable with and that suits your financial goal.

portfolio management

Once we have settled on a policy that reflects your attitudes about investing and a portfolio design that will help you pursue your goals, the next step is managing your investments. This is the subsequent selection of investments (the actual buying and selling) in keeping with the overall portfolio design.

Managing a portfolio is one of the most important steps in the investment process. Properly managing an investment portfolio requires knowing not only what investments to purchase, but also when to buy and sell them. In addition, managing a portfolio requires constant monitoring of performance, along with rebalancing and making adjustments as needed.


Personal risk protection is an essential component of any comprehensive financial plan. For most people purchasing insurance is one of the most cost effective ways to minimize risk, but unfortunately, advice about insurance products is often skewed by the personal motivations of those who sell it.

For this reason, it may not be in your best interest to take advice only from an insurance salesperson who will be earning a commission on the products they sell. In our experience, the size of the potential commissions, especially for life insurance, often cloud objectivity.

At Cambridge Capital Management, LLC, we do not sell insurance and we do not accept any commissions. Instead, we view risk protection as a part of your overall financial plan and will analyze your options with 100% objectivity. We are highly educated and knowledgeable about insurance products so that we can help you identify and secure appropriate coverage.

We assess the need for life insurance if you have a spouse and/or dependents who rely on your earning ability.

We make sure you understand your needs for disability insurance or a long-term care policy.

We also look at your liability exposure and suggest appropriate auto, home, professional, and umbrella insurance coverage. The goal of our risk protection process is to make sure that you have adequate insurance to protect you against loss from the usual and unusual risks to which you may be exposed.


At your death, you leave behind the people that you love and all your worldly goods. Without advance planning, you have no say about who gets what, and more of your property may go to others, like the federal government, instead of your loved ones. If you care about (1) how and to whom your property is distributed, and (2) ensuring that your property is preserved for your loved ones, you need to know more about estate planning.

Creating a successful estate plan takes specific goals. Key estate planning objectives can include minimizing taxes, avoiding probate, retaining control over property, protecting assets, and protecting against incapacity. There are a number of devices that can be employed to accomplish these goals; among them are gifts, wills, trusts (living or irrevocable), joint ownership arrangements, and beneficiary designations.

Working closely with your attorney, the work we do now will help organize your affairs. This will help to make the transition easier for those you leave behind.


Investment planning can be important for several reasons. However, any discussion of investment planning is incomplete without a thorough understanding of the applicable income tax ramifications.

Tax planning can help you reduce the tax cost of your investments. Once we have created an investment plan to work toward your various financial goals, we will take advantage of the tax rules to ensure that you maximize the after-tax return on your investments. In other words, our goal is to select tax-favorable investments that are consistent with your overall investment plan.

Tax planning involves maximizing the after-tax return on your investments. This is beneficial because the wealth that remains after you pay your taxes is ultimately more important to you than the value of your investments. It's the after-tax payout that enables you to finance a home, a child's education, a vacation, or your retirement. We will help you make the best possible investment decisions to create a portfolio that maximizes your after-tax wealth.


At Cambridge Capital Management, we work with our clients to structure traditional and non-traditional education funding plans. Education costs have been increasing at a rate much greater than that of general inflation. Because of this, the need for expert financial guidance is more relevant today than ever before. New tools and resources, such as Section 529 plans, must be evaluated against other methods of saving for college. We will consult with you about your funding goals and help create a plan by providing you with expert advice on tax advantages and growth potential through various investment options.


Charitable giving is an important part of our country’s socioeconomic structure as the activities of religious and charitable organizations touch many lives, fulfilling needs that may not otherwise be met through public programs. As your individual wealth increases, you may wish to include charitable components in your estate plan. We can help you strategize your annual giving, whether you are seeking tax benefits or purely want to fulfill personal motivations for giving.