Cambridge Financial Services

Cambridge Financial Services, LLC is a solo independent registered investment adviser that provides personalized wealth management and financial planning to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses. Services described in the brochure include investment management, retirement and estate planning, education funding, cash‑flow and insurance needs analysis, with advisory compensation charged as a percentage of assets under management.

The firm manages client accounts on a discretionary basis through Schwab Advisory Services and uses Morningstar Adviser Workstation for analysis and portfolio construction, typically employing mutual funds, ETFs and select individual securities with a low‑turnover, buy‑and‑hold orientation. Clients receive continuous online access to custodial accounts and quarterly reports; the firm generally implements customized portfolios with a $50,000 minimum and periodic client contact to review objectives.

Noteworthy for a small, solo independent adviser, the principal’s background includes prior registrations as a registered representative with Commonwealth Equity Securities and service as an Investment Adviser Representative with Cetera Advisers LLC, and he currently maintains securities and life insurance licenses. The brochure also discloses that he spends about 20% of his time on insurance‑related business and that the firm provides expanded financial consultation and ongoing client outreach—elements that reflect broker‑dealer experience and additional educational or insurance activities uncommon among similarly sized peers.