Cambria Wealth Management

Cambria Wealth Management provides fee-based discretionary portfolio management and financial planning to individuals, trusts, estates, charitable organizations, and business entities, serving both high-net-worth and non‑HNW individual clients. The firm bills primarily on an asset‑based basis and may also refer clients to third‑party managed account programs while continuing oversight of those relationships.

The advisor follows a tactical allocation strategy using fundamental, technical and cyclical analysis and implements portfolios with a wide range of instruments, including exchange‑listed and over‑the‑counter securities, options, fixed income, mutual funds, and variable insurance products. Portfolios are managed on a discretionary basis with an emphasis on risk management techniques such as cash positioning as a potential hedge, targeted sector weightings, and opportunistic tax‑loss or gain harvesting.

Compared with many peers, CWM operates as a single‑advisor registered firm with roughly $116 million in discretionary assets across about 105 client relationships and was recently registered as an RIA after forming in 2020. The firm also offers standalone, fixed‑fee financial planning, maintains no stated account minimums, and its investment adviser representatives are licensed to sell insurance products — a dual role that can result in commission‑based insurance recommendations in addition to advisory services.