Cambridge Financial and Tax Advisors, LLC.

Cambridge Financial and Tax Advisors, LLC provides fee-only, comprehensive financial planning and related services to mid- and upper‑middle‑income individuals and families, addressing retirement planning, estate planning, cash‑flow and budgeting, tax planning and return preparation, investment analysis, and small‑business planning. The firm works with a relatively small client roster and does not impose minimum net‑worth or asset requirements.

The firm’s advisory process emphasizes holistic, plan‑driven recommendations that align asset allocation with clients’ risk tolerance and life goals, relying primarily on low‑cost no‑load mutual funds, U.S. government and high‑grade corporate bonds, money market instruments and certificates of deposit. Implementation is generally non‑discretionary—recommendations are executed only after client approval—and the firm commonly recommends low‑cost custodial options for trade execution while allowing clients to choose their own custodian.

Compared with many peers, the firm does not use a percentage‑of‑assets‑under‑management fee model and instead delivers services through retainer, limited engagements, one‑time plans or hourly consultations, and it does not accept commissions or product compensation. The practice also explicitly integrates tax return preparation and tax planning into its service offering and maintains a written code of ethics that incorporates CFP Board and NAPFA fiduciary standards.