Taxes

• Tax Planning
  We establish a long-term relationship with our clients to develop, execute, and maintain a comprehensive financial plan that will guide you through life transitions. We monitor your plan and partner with you to meet at least annually, while also being “on-call” for any events or changes that may arise. Our approach is holistic and encompasses all of the facets of your financial life, such as cash flow planning, investments, tax planning strategies, risk management, charitable giving, and more.
• Charitable Giving
  So when it came time to name the recipient of a special charitable gift in honor of their firm’s 25th anniversary, the choice was easy... and personal.
• Tax Services
• Tax Deductions
  1. Rebalancing your portfolio? Instead of Giving Cash, Give Appreciated Securities to Avoid Capital Gains, Maximizing your Gift and Tax Deduction.
• Income Tax
  When you make a gift of appreciated securities, your gift goes much further! You can avoid capital gains, and will be eligible to receive an income tax deduction for the full fair-market-value of the stock at the time of the gift.

Investment

• Investment Management
  We work on a fee basis, which means that our advisory fees are based on a percentage of assets under management. The annual advisory fee starts at 1.25% and our minimum investment amount is $1,000,000. In addition, there are investment management fees that are separate from, and in addition to, fees paid to Hart & Patterson. All fees will be fully disclosed at the onset of our relationship with a new client. Each new relationship starts with the development of a financial plan, which ranges from $1,500-$4,000 depending on complexity.
• Wealth Management
  2012 Spirit of Cambridge Honorees: Lisa Heath, Robert Pugliese, and Gary Wargo Lisa Heath is the managing partner of Financial Partners of Louisiana, LLC located in Lafayette, Louisiana, with over 25 years of experience as a financial advisor. She became a Certified Financial Planner™ in 1993 and joined Cambridge in 2001. Bob Pugliese is the Chairman and Chief Executive Officer of Premier Wealth Management located in Mechanicsburg, Pennsylvania, with over 40 years of industry experience. In 1999, he founded Premier Wealth Management and joined Cambridge. Gary Wargo is the branch manager and founder of Integra Financial Management, Inc. located in Clearwater, Florida, with 26 years of experience

Planning

• Financial Planning
  Working with these clients, our founders realized that today’s challenges call for a holistic approach to financial planning, as clients bring a wider variety of life plans and seek a broader scope of opportunities for managing their investments.
• Retirement Planning