Our Process
There are endless resources for getting financial advice these days – the internet, magazines, investment clubs, talk shows and word-of-mouth. But knowing what information is relevant, how to analyze it and how to turn it into wise financial decisions takes more than occasional research.
At Cambridge Capital Management, LLC our process is committed to a comprehensive approach of providing an array of financial services to each client. Throughout this process, we coordinate investment and financial planning. We have found the following steps to be an effective way to establish a long-term, mutually rewarding relationship:
Establishing the Relationship
Our client relationships typically begin with phone calls and in person meetings. During this time we learn about your needs and make sure you thoroughly understand what we can offer you. We will make a commitment once we agree that the relationship can be mutually beneficial.
Gathering the Necessary Information
We will gather the information from you needed to better understand your specific needs and objectives through meetings, discussions, and our investment policy questionnaire.
Integration of the 13 Wealth Management Issues
We will review general financial issues, such as cash-flow needs, tax situation, retirement planning, estate planning, and other considerations specific to your situation. This will ensure that our investment strategy meets all of your personal financial goals.
Development of Your Investment Strategy
Together we will develop an appropriate investment strategy for your portfolio. This will include an asset allocation based on our understanding of your risk tolerance, time horizon, and tax situation. We will continually evaluate the appropriateness of this strategy as your situation evolves.
Portfolio Transition Strategy
We will transition your current holdings into our new strategy through a mutually agreed upon process, while minimizing any tax ramifications. We will help you to consolidate your current investment accounts, coordinate asset transfers, and monitor the movement process to ensure everything takes place as agreed upon.
Portfolio Implementation and Ongoing Management
Once your assets have been consolidated and relocated, we will monitor and adjust your portfolio as needed using our discretionary authority. Any changes will be based on our manager due diligence and tactical asset allocation decisions.
Portfolio Reporting and Reviews
You will receive a monthly statement from your custodian for each of your accounts. Additionally, you will receive a quarterly statement from us depicting your portfolio's holdings and performance versus various asset class benchmarks. You will also receive our quarterly newsletter at that time which discusses market reviews written by the principal of our firm and informative concept pieces. We are always available to meet with our clients to review their portfolio and answer any questions that may arise.
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