Cambient Family Office, LLC

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Client assets under management

$517,269,319

Clients

172

100% high-net worth

Advisors

of 6 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

Typical

Average account size

$3,007,380

About

Cambient Family Office provides wealth management and family office services primarily to high‑net‑worth and ultra‑high‑net‑worth individuals, families, trusts, estates, charitable organizations and businesses. The firm offers discretionary portfolio management, financial planning and family office coordination, and discloses that its services are tailored to high‑net‑worth families rather than to lower‑net‑worth individual clients.

Cambient describes a customized, long‑term investment approach that typically uses low‑cost, diversified mutual funds and ETFs supplemented by individual stocks, bonds, options, alternative investments and cryptocurrency when appropriate. The firm applies both fundamental and technical analysis, may allocate assets to unaffiliated Independent Managers (providing ongoing oversight), and acts as a fiduciary while operating a wrap‑fee structure that bundles custody and trading “Covered Costs” into a single wealth management fee.

Distinctive features in the firm’s ADV include sponsoring its own Wrap Fee Program and reporting $857.9 million in assets under management as of December 31, 2025 despite being founded in 2025, resulting in an unusually large AUM base relative to its advisory team size. The brochure also discloses relationships and program details that are less common among peers: a direct indexing strategy offered through Fidelity with an additional fee that partly compensates Cambient, launch‑related economic benefits from Fidelity and Schwab, and an affiliated digital‑asset advisory (Rai Digital Solutions) that can provide spot Bitcoin, Ethereum and Solana services to clients on a separate engagement.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Private / alternative investments Concentrated stock management Options & derivatives strategies Tax-loss harvesting

Occupation focus

Founder/Business Owner

Fee options

Percentage

$0+: 0.50% to 1.50% annually (based on several factors including scope, complexity, asset level, relationship) N/A+: 0.15% annually on assets under supervision (non-discretionary assets) N/A+: 0.15% additional fee for custodian trustee services (payable to Fidelity Trust) N/A+: $5,000 per asset special asset administration fee for certain non-traditional investments

Main office location

Cambient Family Office, LLC

4690 E. Fulton Street, Suite 203

Ada MI 49301, United States

Number of offices

Most active in

Michigan · Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Website (616) 330-2270

Advisors at this firm

Stephen W

CFP®

Ada, MI

Cambient Family Office, LLC

Stephen Wilbur is a CFP® professional affiliated with Cambient Family Office, LLC in Ada, MI. He has experience working at Cambient since 2025 and previously held roles at Greenleaf Trust, Lowes Corporation, Hope College, and Powers Catholic High School. Cambient Family Office provides wealth management and family office services to high-net-worth and ultra-high-net-worth clients, managing discretionary portfolios with a combination of fundamental and technical analysis. The firm offers customized investment solutions including mutual funds, ETFs, individual securities, alternatives, options, and cryptocurrency, and is notable for sponsoring a wrap fee program and maintaining an exclusive institutional relationship with Fidelity.

Private / alternative investments Concentrated stock management Options & derivatives strategies Tax-loss harvesting Founder/Business Owner

Andrew F

CFA®

Ada, MI

Cambient Family Office, LLC

Andrew Fabiano is a CFA® charterholder currently with Cambient Family Office, LLC. He has over 25 years of experience in the financial services industry, including prior roles at Greenleaf Trust and Northern Trust. Fabiano has been with Cambient since its founding in 2025. Cambient Family Office provides wealth management and family office services to high-net-worth and ultra-high-net-worth clients, including individuals, families, trusts, and charitable organizations. The firm employs a long-term investment approach with customization through fundamental and technical analysis, offering a range of investment options and sponsoring a wrap fee program.

Private / alternative investments Concentrated stock management Options & derivatives strategies Tax-loss harvesting Founder/Business Owner

Daniel R

Series 65

Ada, MI

Cambient Family Office, LLC

Daniel Rausch is a financial advisor at Cambient Family Office, LLC with a Series 65 designation. He has prior experience at Greenleaf Trust, Northern Trust, and JP Morgan Chase. Cambient Family Office provides wealth management and family office services to high-net-worth and ultra-high-net-worth individuals, families, trusts, estates, charitable organizations, and businesses. The firm manages discretionary portfolios using a combination of fundamental and technical analysis and offers a range of investment options including mutual funds, ETFs, individual securities, alternative investments, options, and cryptocurrency.

Private / alternative investments Concentrated stock management Options & derivatives strategies Tax-loss harvesting Founder/Business Owner

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