Cambridge Financial and Tax Advisors, LLC.

Cambridge Financial and Tax Advisors is a solo, fee-only advisory practice that serves primarily mid- and upper‑middle income individuals and families through comprehensive financial planning, tax preparation, and portfolio advice. The firm provides ongoing retainer-based planning, one‑time financial plans, limited retainers, and hourly consultations, and does not sell investment or insurance products nor accept commissions.

Investment recommendations are generally focused on low-cost, no‑load mutual funds and fixed‑income instruments, with custodial recommendations favoring Vanguard; all trading is non‑discretionary and implemented only with client approval (clients may grant a limited power of attorney to facilitate approved trades). The firm emphasizes individualized plans that integrate tax planning, cash‑flow and estate considerations, and conducts regular reviews tied to client meetings and life‑cycle events.

Distinctive aspects include the firm’s absence of percentage‑of‑assets‑under‑management fees — it relies on retainers, plans and hourly billing instead, which is less common among independent advisers — and that roughly three quarters of its work is devoted to non‑investment planning activities such as tax return preparation and broader financial planning. As a small practice with about fifty clients and a single CFP practitioner, the firm positions itself to deliver direct, continuous advisor access and hands‑on implementation support without product commissions.