Financial Planning and
Investing
That Matters
Why Special Needs Planning Matters
Our team offers special needs planning as part of our comprehensive financial planning service. Caring for a special needs individual is a top priority for many families, and we are glad to be able to offer this service to you.
What is Special Needs Planning?
Special needs planning is ensuring that your loved one with special needs is taken care of financially both now and in the future. We will help you utilize your available resources effectively so that you have confidence that your loved one will be taken care of. There are a number of resources and strategies that may be available to you, and we will help you navigate them and decide which option best suits you and your loved one’s needs.
Why is Special Needs Planning Important?
Caring for our family members and those around us is an important goal to many of us, and is just as important when it comes to caring for loved ones with special needs. You want to make sure that they are taken care of now and in the future and we want you to have the tools you need to do so, and do so with confidence.
Who is Special Needs Planning For?
Special needs planning for those who have a friend, family member, or loved one with special needs that they are caring for. There are many different resources available to you, each with unique benefits and limitations, and we will help you navigate these options and help plan to get qualified and stay qualified for various programs that may help you care for your loved one.
What Kind of Opportunities Might Be Identified?
There are many different opportunities available for those caring for a special needs individual, including Special Needs Trusts, ABLE accounts, and other government benefit programs. We are here to help you identify which opportunities are appropriate for your given situation, and determine what resources are available to you, how to access them, and how to continue to receive those resources.
What Do We Need From You?
If you are already utilizing these planning techniques or any others to care for a loved one, the current status of these resources will help us create a well-rounded care plan. Whatever your current situation may be, we will help you plan for the ongoing care of your loved one.
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.
