Wealth Management

At Cambridge Wealth Management, we understand that your wealth presents uniquely complex situations. So, we offer an approach to wealth management that integrates both financial planning and asset management which we believe is the best way for you to achieve your vision. 

We'll work closely with you and, if needed, your other professional advisors to select the services that best suits your needs, then apply our expertise to develop tailored solutions to grow, preserve, and manage your wealth. 

 There are six vital components to a comprehensive financial plan.

There are six vital components to a comprehensive financial plan (infographic above). After an initial consultation, we’ll agree on the areas of your financial life that need reviewing. Our planning process can help you reach your goals by evaluating your whole financial picture, then outlining clear strategies that are tailored to your individual needs and resources.

A well-designed, properly implemented plan can help you:

  • Improve cash flow

  • Reduce taxes

  • Assess insurance needs

  • Decide how to invest

  • Plan for retirement

  • Create an estate plan

Cash Flow Management

This is the first step toward creating a sense of harmony in your financial life. We will assist you in developing a budget that helps you stay on track financially towards achieving your goals. To do this, we analyze your debts and other financial obligations. If there's a better solution and debt-restructuring is needed, we'll make objective recommendations.

Tax Strategy →

We carefully review your personal income taxes and portfolio to help you manage your wealth in the most tax-efficient way. We consider your tax-deferred and taxable accounts and strategically place each security in the most tax-advantaged accounts. As a result of our diligent Asset Location Strategy, the impact of taxes is often reduced which can improve your after-tax investment returns.

Risk Management

When risk is measured and managed, it can have a positive impact on your financial life. Risk management is one of the six vital components of a financial plan. After reviewing your current policies and financial position, we will make recommendations that meet your unique needs.

Asset Management→

We draw upon modern portfolio theory to ensure that your personalized investment strategy balances the right mix of investments to meet your unique goals. An independent registered investment advisor held to a fiduciary standard, our open architecture platform allows us to build dynamic, “conflict-free” investment portfolios for both growth and protection.


Retirement Planning→

Retirement planning has two phases: accumulation and distribution. During the accumulation phase, we help clients in setting goals and implementing financial strategies to achieve them. Our retired clients in the distribution phase rely on our expert advice and solutions so they can continue to enjoy the lifestyle they’ve earned and not outlive their money.

Estate Planning

You want to create a lasting legacy for the people and causes that you care about. We can help to ensure that your wealth passes as you want it to and a significant portion doesn't end up in the hands of unintended heirs or go to the government. To accomplish this, we will:

  • Suggest a review your existing wills, trusts and other estate planning documents

  • Recommend and coordinate estate, gift, and charitable strategies that maximize the benefits to your chosen heirs with your estate planning attorney

Private Client Benefits: 

  • Individualized attention − you’ll feel like our only client

  • Tax-smart investment portfolio mix of low-cost index ETFs, stocks, & individual bonds. We also take into account your legacy holdings and cost basis

  • Ongoing financial planning updates from a dedicated Certified Financial Planner™

  • Coordination with estate attorney & CPA

  • Engaging Personal Financial Management portal that helps keep you on track so you can achieve our wealth-life goals

Cambridge Wealth Management offers what you need and deserve from a wealth management firm — tailored solutions, deep expertise, and a personal relationship with a trusted advisor — so you can pursue your financial future with confidence.

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