Investment Advisory

» income tax planning and compliance


Effective tax planning is critical to maximizing the probability of achieving your financial goals. The ongoing complexity and frequent changes in federal and state tax laws makes it essential that you thoroughly consider the impact of income and estate taxes on your plans for long-term growth and preservation of wealth.
We can provide you with a thorough analysis of the income and estate tax issues you may face and can prepare any needed individual and/or trust income tax returns.

» retirement accumulation and distribution planning

Proper retirement planning provides you with the security of knowing that you can enjoy your desired lifestyle and never run out of money during your retirement years. The retirement environment is a complex arena with many variables to consider such as inflation, return on investment, and spending levels. Some investment accounts get special tax treatment and some do not. At Cambridge Advisors, we work with you to build customized retirement solutions.
Once you reach retirement, we will provide you with ongoing counsel regarding the proper structure of your retirement portfolio and guidance on the spend down of your retirement assets to eliminate the chance of running out of resources during your retirement.

» risk management/asset protection planning

Providing for your loved ones in the event of your untimely death, disability, or personal liability loss is a vital part of your financial plan. Because of the many risks that may jeopardize your health, income, and wealth, Cambridge Advisors analyzes your current insurance coverage to help you to determine which risks you can afford and those you cannot. Would your loved ones be able to maintain their lifestyle in the event of your death or disability? Would you have sufficient liquidity to pay off debts and fund children's education? If you are a business owner, do you have an efficient way to fund a buy-sell agreement?
Many specialized programs can help protect your assets when the unexpected occurs. To mitigate any potential exposure, we will assist you in evaluating the necessary insurance protection including personal liability, disability, and life insurance.