Cambridge Financial Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
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.
Client services
Expertise
Fee options
Project or Limited Agreement fees are fixed fees, typically ranging from $500 to $10,500 depending on services and adviser experience
Minimum fee: Standard Full-Service Agreement initial year fees range from $2,000 to $23,000 annually; Renewal years generally 60% - 90% of first-year fees Fee-only: Fee-only financial planning firm; fees based on total income, assets, complexity, experience, and negotiated individually
Main office
See office339 E Highway 50, Suite 104
Salida CO 81201
Advisors at this office
3
Offices (2)
Most active in
Colorado · Florida · Kentucky · Ohio · Texas · Wisconsin
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Robin B
Series 65
Salida, CO
Cambridge Financial Advisors, LLC
Robin Bess is a financial advisor at Cambridge Financial Advisors, LLC with 12 years of industry experience. He holds a Series 65 designation and has been with Cambridge Financial Advisors since 2007. Cambridge Financial Advisors is a fee-only firm serving individuals, trusts, estates, and charitable organizations. The firm employs a passive, buy-and-hold investment approach using low-cost mutual funds and ETFs, offering tailored financial planning and advisory services on a fixed-fee basis.
Peter G
Series 65
Salida, CO
Cambridge Financial Advisors, LLC
Peter Gabriel is a financial advisor with Cambridge Financial Advisors, LLC in Salida, CO, holding a Series 65 credential and 12 years of industry experience. He is also the sole proprietor of HB Industrial Consulting, LLC, where he consults on operational improvements for factories in the US and internationally. Additionally, Gabriel serves as the unpaid secretary and treasurer on the board of the Arkansas Valley Christian Mission. Cambridge Financial Advisors is a fee-only firm serving individuals, trusts, estates, and charitable organizations with a focus on comprehensive and limited-scope financial planning. The firm employs a passive, buy-and-hold investment approach using low-cost mutual funds and ETFs, providing tailored recommendations generally executed on a non-discretionary basis.
Joel F
ChFC®, Series 65
Lexington, KY
Cambridge Financial Advisors, LLC
Joel Fay is a financial advisor at Cambridge Financial Advisors, LLC with five years of industry experience. He holds the ChFC® designation and Series 65 license. Prior to entering financial advising, Fay worked in roles at Campari Americas and General Electric, including in renewable energy and lighting divisions. He volunteers as an endowment sub-committee member for Christ Church Cathedral Episcopal Church, assisting with investment oversight. Cambridge Financial Advisors is a fee-only firm serving individuals, trusts, estates, and charitable organizations with tailored financial planning and investment advisory services. The firm follows a passive, buy-and-hold investment approach, focusing on low-cost mutual funds and ETFs, and structures fees through fixed annual or project rates rather than asset-based charges.
Matthew S
Series 65
Salida, CO
Cambridge Financial Advisors, LLC
Matthew Snow is a financial advisor at Cambridge Financial Advisors, LLC with one year of industry experience. He holds a Series 65 designation and has previously worked at Grace First LLC and The Inn Buena Vista. Outside of his advisory role, he serves as Treasurer for All Saints Anglican Church, where he manages financial records and participates as a board member. Cambridge Financial Advisors is a fee-only firm that provides comprehensive financial planning and investment consultation to individuals, high-net-worth clients, trusts, estates, and charitable organizations. The firm follows a passive, buy-and-hold investment approach with recommendations focused on low-cost mutual funds and ETFs, delivering advice on a generally non-discretionary basis.
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