Financial Planning and
Investing
That Matters
Why Estate Planning Matters
Our team offers regularly updated estate planning as part of our comprehensive financial planning service. Comprehensive estate planning can help you build, maintain, and transfer your legacy, and we are excited to offer it to you.
What is Estate Planning?
Estate planning is the process of determining what kind of legacy you want to leave, and planning for the decisions that will be made so that everything happens according to your wishes. Not only will we discuss what kind of legacy you’d like to leave, we’ll also discuss how to do that in the most effective and cost-efficient manner so that your loved ones receive the most of what you’ve planned to give them. This will all occur in coordination with a licensed attorney who will draft the necessary documents for you to have a sound and secure estate plan.
Why is Estate Planning Immportant?
It’s a big decision to decide what kind of legacy you want to leave to those you love. Estate planning is important to ensure an easy process of transferring your assets and doing so in a way that will guard your legacy from any expenses that we can plan around. Probate processes can be long and difficult, and assets may not be transferred to your wishes without the right plan in place, so working with us to make sure your needs and wishes are safeguarded creates a smoother and more effective process for your loved ones.
Who is Estate Planning For?
Estate planning is for everyone! Regardless of what kind of legacy you want to leave, it’s important to have decisions made ahead of time regarding what you’d like to do with your wealth so that those decisions can be followed correctly. And even if legacy planning is not one of your goals, deciding who will make decisions on your behalf if you’re not able to is a part of the estate planning process that will be beneficial to everyone.
What Kind of Opportunities Might Be Identified?
The overall goal of estate planning is making sure that your assets get to exactly who you want them to, without being faced with any unnecessary costs. Opportunities that might help us achieve this goal are drafting or amending a will, creating trusts, analyzing estate tax strategies and charitable giving strategies, and making sure all other relevant documents are up to date. We’ll continuously monitor your plan, and as life events happen and circumstances change, we’ll make any necessary changes to ensure that your plan continues to match your goals.
What Do We Need From You?
A copy of any wills, codicils, trust documents, power of attorney, or power of appointment documents that you already have drafted. These will allow us to ensure your plan is tailored to goals that you want to prioritize.
Cambridge does not offer legal advice.
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.
