Financial Planning and
Investing
That Matters
Why Cash Management Matters
Our team offers ongoing cash management as part of our comprehensive financial planning service. Cash management is the foundation that allows many of your other goals and planning objectives to become a reality. As an incredibly important piece of your financial plan, we are excited to offer this service to you.
What is Cash Management?
Cash management is an industry term for the common practice of budgeting. While budgeting is something that a lot of people might see as a hassle, chore, or just a set of restrictions, a budget used correctly is really the foundation that gives you the freedom to decide exactly what you want to do with your money. With cash management we take a look at what’s coming in and what’s going out and design the best system for you to use your cash to achieve your priorities.
Why is Cash Management Important?
Cash management is important because it allows you to be as efficient as you want to be when it comes to reaching your goals. You’ll know exactly how much money you’re putting towards your goals and have a strong sense of how long it will take you to reach them. Cash management also allows you to decide exactly where you want your money to go, giving you confidence in the financial decisions you make. Cash management is all about creating a foundation, so you have the freedom to achieve whatever goals you set.
Who is Cash Management For?
Cash management is for everybody! All of us have goals that we want to reach, and all of us need a plan for how we are going to reach those goals. Working or in retirement, whatever your income or life stage is, budgeting and managing your cash flow is essential. We’ll help make sure that you have a plan that works for you and helps you stay on track.
What Kind of Opportunities Might Be Identified?
The great thing about cash management is that your opportunities are nearly limitless. Your opportunities are only limited by the goals that you set for yourself. Whatever those are, we’ll help you create a budget that’s made specifically for achieving the balance you’d like of reaching those goals and maintaining a lifestyle that works for you. One of the best things about budgets is that they can be changed at any moment to accommodate any opportunity you might be interested in.
What Do We Need From You?
If you have a current budget that you’re using, that’s great! We’d love to sit down and go over what that looks like. If not, no problem at all, we’ll help you build one. Either way, we’ll work together to create a strategy that works for you and helps you move toward your goals.
Connecting You to Your Investments:
Investing Client
Invest with confidence, knowing that multiple entities are working toward protecting your financial assets.
You have the freedom to choose to interact with your financial professional through a fee based or commission relationship, or both, based on your financial needs.
Financial Professional
A registered representative is licensed to sell securities, provides financial guidance to their clients and is typically paid a commission when you purchase a financial product.
An Investment Advisor Representative (IAR) provides financial guidance to their clients and is generally paid a fee for either managing assets, giving advice, or both.
Investment Firm
A broker-dealer facilitates the buying and selling of securities on behalf of the registered representative licensed with the firm and holds responsibility for regulatory compliance and adherence to securities laws.
A Registered Investment Adviser (RIA) processes the fee-based business of IARs licensed with the firm and holds responsibility for regulatory compliance and adherence to securities laws.
Custodian and Clearing Firms
Custodian and Clearing Firms provide the trade execution, clearing, custody and other services for securities and related transactions.
An independent broker-dealer can choose a non-affiliated clearing firm to provide the trade execution, clearing, custody and other related services for clients of their financial professionals. A clearing firm may also be a registered broker-dealer. Clearing relationships are typical throughout the industry and allow your financial professional to focus on helping you achieve your investment goals while taking advantage of the clearing firm's safeguards for the physical protection of your assets.
Regulators
The Securities Exchange Commission (SEC) is an agency of the U.S. government that oversees the Financial Industry Regulatory Authority (FINRA), which in turn oversees broker-dealers, clearing firms, and your financial professional. Both the SEC and FINRA require members to comply with various rules intended to regulate and oversee the operation of financial markets and the sales practices of financial professionals. Regulators aren't associated with, and do not endorse Cambridge. You can review the regulatory standing of Cambridge and each associated financial professional by visiting FINRA's BrokerCheck.
Certified Financial Planner ™️,
Sustainable Investment Advocate & Author
Christian is committed to helping his clients pursue their financial goals and lifetime dreams by bringing sound financial knowledge and trustworthy advice to a lasting relationship with each individual, family and business he serves.
