Cambridge Wealth Management, LLC

Cambridge Wealth Management provides investment management, financial planning, and consulting to individuals, high‑net‑worth clients, as well as pension and profit‑sharing plans, estates, corporations, and charitable organizations. The firm reports managing approximately $31.8 million across about 26 client relationships and delivers both discretionary and non‑discretionary portfolio services alongside written comprehensive financial plans.

Investment decisions are driven by a holistic, process‑oriented framework that combines bottom‑up fundamental security selection with strategic and tactical asset allocation, using mutual funds, ETFs, individual bonds, and equities. The firm also employs less‑typical tools for a firm of its size — including limited use of derivatives and borrowing within separately managed accounts, periodic option strategies (e.g., covered calls), margin where authorized, and a formal tax‑loss harvesting program.

Compared with peers, the firm’s client mix and services are notable for including pension/ERISA plan and other institutional clients and for offering public educational seminars and workshops. Operationally it uses third‑party reporting and account aggregation (Black Diamond), applies family‑level “house‑holding” in fee calculations, and discloses insurance‑licensing and ERISA fiduciary processes as part of its service model.