Cambridge Financial Advisors, LLC

Cambridge Financial Advisors is a fee-only financial planning and investment advisory firm that serves individuals, trusts, estates, and charitable organizations, including both non‑high‑net‑worth and high‑net‑worth clients. Its written engagements range from comprehensive ongoing financial planning to project or limited‑scope agreements covering portfolio analysis, asset allocation, retirement planning, tax planning and (where included) annual tax return preparation, insurance reviews, and estate planning.

The firm’s investment approach emphasizes a passive, buy‑and‑hold philosophy with periodic rebalancing, typically making recommendations on an annual basis and favoring low‑cost, passively managed mutual funds and ETFs alongside bonds or CDs where appropriate. CFA does not engage in continuous active trading; it provides tailored recommendations based on each client’s goals, tax situation, and risk capacity and generally executes trades on a non‑discretionary basis with client authorization.

Unlike many team advisory firms, Cambridge does not charge traditional percentage‑of‑assets fees or performance‑based fees; instead, it structures compensation through fixed annual or project fees determined by factors such as income, asset complexity, and scope of services. The firm also reports no regulatory assets under management, operates on a strictly fee‑only basis without receiving commissions or third‑party payments, and structures engagements to allow crediting of project fees toward comprehensive service upgrades.