On behalf of the entire Cambridge Executive Team, we’re excited you’re here and honored to support you through your due diligence process.
Tammy Robbins
Executive Vice President and Chief Business Development Officer
641-999-6094
Matt Goodwin
First Vice President,
Business Development
641-470-1175
Nicole Johnson
Vice President,
Business Development
651-505-5566
Erica Voreis
Vice President,
Transition and Acquisition Operations
641-200-4828
Office of the CEO
The Office of the CEO, led by Amy Webber and three divisional presidents, primarily focuses on strategic and operating management, financial success, and risk management aimed at securing a long-term future for the firm and its advisors.
Amy Webber, Chief Executive Officer and Co-Chairman of the Board
Colleen Bell, President, Innovation and Experience
Jeff Vivacqua, President, Growth and Development
Seth Miller, President, Advocacy and Administration
Why Cambridge
Top Five Reasons Financial advisors Choose Cambridge
1
Flexibility - You Control the Journey
As an independent business owner, you should have full control. From our perspective, flexibility and control are intertwined. Whether you are focused on growing your business, improving office efficiency, enhancing your marketing strategy, or simply providing your clients with access to a wide range of products, we can supply the flexibility you need to run your business your way.
2
Commitment to Internal Control
Consolidation activity continues to sweep through the financial services industry at an alarming rate. Led by our senior leadership team, Cambridge continues to focus on independence and internal control. Our long-term plan for the firm is designed to preserve our independent status, so our financial advisors can operate with complete confidence.
3
Access to Senior Leadership
The Cambridge senior leadership team makes every effort to understand your business's unique features and is easily accessible. Our executive team leads Cambridge, including Founder and Co-Chairman of the Board, Eric Schwartz, and CEO and Co-Chairman of the Board, Amy Webber, who continue to focus on long-term independence and internal control.
4
Common-sense Compliance
The springboard to innovation is creativity. Innovative ideas and strategies are pushing our ever-evolving industry forward daily. That is why we do not believe in a "one-size-fits-all" approach and managing to the lowest common denominator when it comes to compliance. Our Compliance Department strives to “find a way to yes” and will collaborate with you to find an alternative solution if your first choice does not meet the requirements of the current regulatory framework.
5
Broad Product Footprint and Specific Advisory Platforms
Building on flexibility, Cambridge supplies one of the broadest product footprints in the industry. Over 500 mutual fund companies are available for direct business, and our complete universe of company and product offerings features a wide range of investment choices designed to put your clients in the best position to meet their goals. Known as TheFeeExperts,®4 Cambridge supplies advisory platforms designed to make doing business easy for financial advisors and planners. For decades, we’ve crafted our business toward how financial advisors conduct business and look forward to the opportunity to serve you and your clients.
¹Cambridge and TAG Advisors are not affiliated.
²Cambridge and Financial Partners of Louisianna, LLC are not affiliated.
³Cambridge and Retirement Plan Advisors are not affiliated.
⁴TheFeeExperts® is a registered trademark of Cambridge Investment Research, Inc. for its investment advisory service for investment managers.
⁵Cambridge and Pivotal Financial Advisors are not affiliated.
Testimonials may not be representative of the experience of other customers and are no guarantee of future performance or success.
Why Cambridge
Top Five Reasons Financial advisors Choose Cambridge
1
Flexibility - You Control the Journey
As an independent business owner, full control should be in your hands. From our perspective, flexibility and control are intertwined. Whether you are focused on growing your business, improving office efficiency, enhancing your marketing strategy, or simply providing your clients with access to a wide range of products, we can supply the flexibility you need to run your business your way.
2
Commitment to Internal Control
Consolidation activity continues to sweep through the financial services industry at an alarming rate. Led by our senior leadership team, Cambridge continues to focus on independence and internal control. Our long-term plan for the firm is designed to preserve our independent status, so our financial advisors can operate with complete confidence.
3
Access to Senior Leadership
Our goal is to put you in the best position to serve your clients. The Cambridge senior leadership team makes every effort to understand the unique features of your business and is easily accessible. A nine-person executive team leads Cambridge – including Founder and Executive Chairman, Eric Schwartz, and Chief Executive Officer, Amy Webber – who continue to focus on long-term independence and internal control.
4
Common-sense Compliance
The springboard to innovation is creativity. Innovative ideas and strategies are pushing our ever-evolving industry forward daily. That is why we do not believe in a "one-size-fits-all" approach and managing to the lowest common denominator when it comes to compliance. Our Compliance Department strives to “find a way to yes,” and will collaborate with you to find an alternative solution if your first choice does not meet the requirements of the current regulatory framework.
5
Commitment to Internal Control
Building on flexibility, Cambridge supplies one of the broadest product footprints in the industry. Over 500 mutual fund companies are available for direct business, and our complete universe of company and product offerings features a wide range of investment choices designed to put your clients in the best position to meet their goals. Known as TheFeeExperts®3 Cambridge supplies advisory platforms designed to make doing business easy for financial advisors and planners. For decades, we’ve crafted our business towards how financial advisors conduct business, and look forward to the opportunity to serve you and your clients.
About Us
We are proud to supply independent financial professionals with the support to foster long-term client relationships.
1981
founded in 19811
$1.79B
total revenue
900
home office associates
3,800
producing financial professionals
17%
of Cambridge financial
professionals are women
92%
of financial professionals are
on fee-based platforms
Cambridge Across America
Cambridge has home offices in Fairfield, Iowa, and Phoenix, Arizona, and financial professionals located in all 50 states.
Personalized Support
Our 4:1 financial professional to home office associate ratio ensures you have the service and support to help you exceed client expectations.
4:1
Product Breakdown
Revenue Breakdown
1Cambridge and its predecessor broker-dealer
2AUA reflects fee-based and independent RIA assets plus commission assets
All data as of 12/31/24
Service That Powers Your Success
At Cambridge, we know that making a move is a big decision. That’s why our high-touch service and unwavering attentiveness make all the difference. From day one, our advisors are supported by a team that’s fully invested in their success. The results speak for themselves—our commitment to exceptional service empowers advisors to achieve new levels of success and focus on what matters most: their clients and growth.
The Cambridge Difference
Real Support,
Real People
Over 88% of calls are answered by a live person, giving you the personal attention you deserve1
.
Fast,
Reliable Service
Our average phone hold time is under four minutes—just 90 seconds in key service areas—so you get the answers you need, quickly1
Stay in Line Without
Staying on the Line
Our call-back feature lets you keep your place in the queue while you focus on other things
1Data as of 2/28/25
Who We Serve
Ways to Join
At Cambridge, we’ll never ask you to fit into a mold. We cater to thousands of distinct and unique business models. Choose to operate as a solo financial advisor, ensemble, multi-financial advisor team, or enterprise while reporting directly to Cambridge as an established field office.
Join Cambridge and report directly to the home office. You’ll enjoy our comprehensive service and support and build a personal relationship with your regional director who acts as your supervisor. |
Join one of the hundreds of offices at Cambridge and receive strength and support from both Cambridge and your new office. Offices of every size thrive here, so you can easily find the right fit.
Bring your group to Cambridge. We understand the distinctive needs of business leaders and their multi-financial advisor and enterprise practices. We specialize in supporting your growth through recruiting aid, practice management coaching, and acquisition solutions.
Join through Cambridge Investment Research Advisors, Inc. (CIRA), our RIA, your independent RIA, or an existing independent RIA. Cambridge has garnered an industry reputation as TheFeeExperts®1. Decades ago, our Founder and Co-Chairman of the Board, Eric Schwartz, pioneered the hybrid business model. Since then, we have continued to adapt, becoming an ideal home for advisory professionals who value choice.
Broker-dealers have the choice to partner with us and roll up under Cambridge as a newly formed multi-financial advisor team or enterprise.
Supported Business Models
If you are looking for more flexibility to run your business and help clients reach their investing goals, discover the opportunities at Cambridge. We value your independence and empower you to make your business vision a reality. You service and own your client relationships while enjoying freedom of choice.
Experience freedom from:
- Sales quotas
- Proprietary products
- Unruly compliance requirements
You need independence and flexibility to run your OSJ your way and reach your business goals – not limits and restrictions. You can have the best of both worlds: independent ownership and the flexibility to run your business your way.
We support leaders like you by tailoring solutions to meet your needs at any scale and those of the financial advisors you serve.
With us, you can expect:
Pricing established at the OSJ level
Payouts customizable to each financial advisor
Unparalleled flexibility to help you meet the expectations of your current and future financial advisors with multiple clearing firms and a broad product footprint
A common-sense Compliance Department with an open mind and open door
Recruiting support for growth-oriented OSJs
Banks and Credit Unions
Choose from various program structures, unique compensation arrangements, and custom client ownership scenarios that are fully adaptable to your financial institution. Plus, enjoy access to various investment products, industry-leading technology, and common-sense compliance support.
Cambridge’s specialized resources include:
Specialized client prospecting solutions
Professional training and development
Practice management coaching and consulting
Dedicated marketing support
Cambridge is an independent RIA-friendly broker-dealer. You can confidently maintain your RIA and continue to own your business and client relationships, all while receiving the freedom, resources, and support to grow your legacy further.
You will have access to resources that support and scale your business, including:
A wide range of advisory platforms
In-house RIA consulting
Growth and coaching programs
Business continuity planning
Succession and acquisition opportunities
Cambridge offers broker-dealers the guidance and support it takes to compete, grow, and thrive.
If frequent changes in the broker-dealer space are causing you to question the current or future state of your business, know you are not alone. The quick pace of industry and regulatory shifts present challenges that could be alleviated with the help of a stable partner firm.
A partnership with Cambridge enables you to:
Reduce operating responsibilities and costs
Achieve stable, steady scalability
Eliminate risk associated with running a broker-dealer
Remain independent while continuing to build your legacy
1TheFeeExperts® is a registered trademark of Cambridge Investment Research, Inc. for its investment advisory service for investment managers.
Compensation and Expenses
Joining Direct
We understand the costs of running your business and the compensation you receive directly impacts the services you provide your clients. We offer competitive compensation packages to keep your legacy going for many years.
Joining an Existing Office
Join one of our hundreds of existing offices to receive tools and support from Cambridge and your new office. Payout is negotiated between the financial advisor and the enterprise leader. Revenue, services offered, and facilities supplied are some of the many factors in the payout discussion.
Expenses
| Monthly | Cost |
|---|---|
| Cambridge Technology | $275 |
*See fee addendum for details.
For $275 per month, the Cambridge Technology Fee supplies advisors with an all-in-one technology package, including CLIC®, our comprehensive online business platform, and other customizable tools. These simplify processes and provide integrated solutions for clients, enhancing advisors’ businesses.
This package is a testament to our commitment to providing advisors with the best possible tools to service their business.
| CLIC Dashboard |
|
| CLIC Advisor – extension of CLIC powered by eMoney |
|
CLIC Client |
|
Clearing Services |
|
| Client and Account Servicing |
|
Compensation Services |
|
Compliance Services |
|
Imaging Services and Document Storage |
|
Managed Account Services |
|
Retirement Center |
|
Office Services – Back-office Ecosystem |
|
| Annual Fees* | Cost |
|---|---|
| IAR registration with Cambridge Investment Research Advisors, Inc. (CIRA) | $175 |
| FINRA fees | $165 initial registration | $615 annual renewal |
| FINRA branch fees | $250 initial registration | $250 annual renewal |
| Fidelity bond | $360 |
| SIPC | $320 |
| Continuing education (CE) regulatory element | $150 |
| State registration renewal | Varies by State |
| Branch state renewal | Varies by State |
*All prices effective as of January 2025.
| À la carte Fees* | Cost |
|---|---|
| WealthPort® block trading and rebalancing tools | Complimentary when using WealthPort |
| CIRStatements – powered by Pershing X* | $250/month or complimentary when using WealthPort |
| Redtail | Plans starting at $39/month per login/user** |
| CLIC® Advisor Advanced Planning | $166.67/month |
| MoneyGuidePro® | $91.67/month |
| Nitrogen*** Elite | $295/month |
| Nitrogen*** Ignite | Pricing available from Nitrogen upon request |
| Nitrogen*** Ultimate | Pricing available from Nitrogen upon request |
| Morningstar® | $201.66/month – package price varies |
| Social media monitoring system | $15/month |
| Spam/Anti-virus | Complimentary |
| Email hosting/Domain name | Complimentary |
| Encryption | Complimentary |
| Cambridge Technology Administrative Access - optional | $50/month for licensed and unlicensed administrative professionals |
*Previously Albridge
**A la carte options available upon request
***Previously Riskalyze
| Description | Cost |
|---|---|
| Registered financial advisor | $300/month |
| Solicitor | $185.42/month |
Errors and Omissions Insurance Additional Options
| Coverage Description | Cost |
|---|---|
| General | |
| $3,000,000 per claim/$3,000,000 aggregate* | $333.34/month |
| $3,000,000 per claim/$5,000,000 aggregate* | $350/month |
| $5,000,000 per claim/$5,000,000 aggregate* | $383.34/month |
| Referral/Solicitor Only/IRIA Advantage | |
| $1,000,000 per claim/$1,000,000 aggregate | $185.42/month |
| CIRA Advantage | |
| $2,000,000 per claim/$2,000,000 aggregate | $279.16/month |
*Additional coverage levels available upon approval.
Niche Coverage Options
| Niche | Cost |
|---|---|
| Accounting professionals | $25/month |
| Divorce planning | $25/month |
WealthPort Fees
On average a .152% program fee* applies to the WealthPort Advisor-directed platform. Contact your Business Development Director for detailed WealthPort pricing. Discounts may apply.
*As of December 31, 2023
Clearing Firm Expenses
Ticket Charges
| Fee Amount | ||||
|---|---|---|---|---|
| Product Fee Type | Electronic1 | Non-electronic2 | Frequency | Included in WealthPort Program Fee |
| Stocks, Exchange Traded Funds (ETF)3 | ||||
| International Surcharge/foreign receive and delivery fees4 | $50-$75 | $50-$75 | Per International Security | |
| Purchase Fee | $19.00 | $19.00 | Per Transaction | X |
| Penny Stock (Low Priced Speculative Securities not traded on an exchange under $5.00) | $74.00 | $74.00 | Per Transaction | Not allowed on the WealthPort Program Fee |
| Redemption Fee | $19.00 | $19.00 | Per Transaction | X |
| Mutual Funds | ||||
| Periodic Investments Purchase Fee | $1.00 | $1.00 | Per Transaction | X |
| Exchange/Concession Fee | $0-$19 | $0-$19 | Per Transaction | |
| No Transaction Fee (NTF) Mutual Funds5 | $0.00 | $2.00 | Per Transaction | |
| Purchase Fee | $0-$19 | $0-$19 | Per Transaction | X |
| Redemption Fee | $0-$19 | $0-$19 | Per Transaction | X |
| Systematic Withdrawal Redemption Fee | $1.00 | $1.00 | Per Transaction | X |
| Fund Family Surcharge Fee for Purchase or Redemption for following funds: | $10.00 | $10.00 | Per Transaction | X |
| Options | ||||
| Purchase Fee | $19 + $2 Per Contract | $19 + $2 Per Contract | Per Transaction | X |
| Redemption Fee | $19 + $2 Per Contract | $19 + $2 Per Contract | Per Transaction | X |
| Fixed Income - Corporates, Municipals, Governments, Treasuries, Certificates of Deposit, CMOs, Mortgage-backed Securities, Structured Products, etc. | ||||
| Clearing Charge - Agency Trades | $30.00 | $30.00 | Per Transaction | X |
| Clearing Charge - Principal Trades | $39.00 | $39.00 | Per Transaction | X |
| Unit Investment Trusts (UITs) | ||||
| Purchase Fee | $30-$39 | $30-$39 | Per Transaction | X |
| Redemption Fee | $30-$39 | $30-$39 | Per Transaction | X |
| Precious Metals | ||||
| Purchase Fee | $45.00 | $45.00 | Per Transaction | X |
| Redemption Fee | $45.00 | $45.00 | Per Transaction | X |
| Alternative Investments (Defaults to Client) | ||||
| Purchase Fee | $50.00 | $50.00 | Per Purchase | |
| Redemption Fee | $50.00 | $50.00 | Per Redemption | |
| Miscellaneous Fee | ||||
| Commission Account Service Fee | $3.50 | $3.50 | Per Trade | Not Applicable for WealthPort Accounts |
1 Custom pricing may be available for offices with large trading volumes. Please contact your Cambridge Regional Director for more information.
2 Clearing charges default to electronic pricing. Please note that excessive use of the Cambridge Trade Desk may result in charges equivalent to the non-electronic pricing schedule.
3 Listed stock and ETFs (i.e. stock and ETF orders greater than 4999 shares) may incur a half-a-cent per share charge, which if incurred, will be charged to the advisor. Please contact Cambridge's Trade Desk prior to placing such orders to discuss alternatives.
4 This fee may be charged on securities held in safekeeping, cleared, and/or settled by a foreign entity.
5 Size restrictions on NTF fund purchases may apply. Additional charges may apply.
Ancillary Charges
| Account or Service | Fee Amount | Frequency | Included in WealthPort® Program Fee |
|---|---|---|---|
| Cost basis* | $0.82 | Per statement | X |
| Cost basis – detailed* | $1.07 | Per statement | X |
| Custody and recordkeeping fee (retail inactivity fee)** | $35.00 | Annual | |
| HSA annual maintenance fee | $35.00 | Annual | X |
| HSA liquidation fee | $25.00 | Full account liquidation | X |
| Legal transfer fee** | $150.00 | Per position | |
| Outgoing transfer fee – retail accounts ** | $125.00 | Per outgoing transfer | |
| Paper statement surcharge ** | $1.00 | Per statement | X |
| Paper trade confirmation surcharge** | $1.00 | Per trade confirmation | X |
| Return of legal item** | $75.00 | Per item returned | |
| UBTI tax filing fee** | $300.00 | Annual | |
| Retirement Account Fees | |||
| IRA maintenance fee** | $35.00 | Annual | X |
| Termination fee** | $160.00 ($125.00 termination fee + $35.00 maintenance fee) | Upon closure of the account | |
| Cash Management Services | |||
| Select and Premier Access | |||
| Select Access (ACH direct deposit and bill pay) | $10.00 | Annual | |
| Select Access (ACH direct deposit, bill pay, and checkwriting) | $15.00 | Annual | |
| Select Access (ACH direct deposit, bill pay, and debit card) | $15.00 | Annual | |
| Select Access (ACH direct deposit, bill pay, checkwriting, and debit card) | $20.00 | Annual | |
| Premier Access | $100.00 | Annual | |
| Debit Card | |||
| Select Access in network ATM fee | $1.00 | Per transaction | |
| Premier Access in network ATM fee | No charge | ||
| Select Access/Premier Access out of network ATM fee | Varies based on ATM | Per transaction | |
| Premier Access metal card upgrade | $10.00 | Annual | |
| Bill Pay | |||
| Unlimited Bill Pay | No charge | ||
| Bill Pay Insufficient Funds | $20.00 | Per event, per investor | |
| Bill Pay Check Photocopy | $20.00 | Per check | |
| Misc. | |||
| Select Access personal checkbook reorder | No charge | ||
| Select Access deposit slip order | No charge | ||
| Select Access/Premier Access stop payment fee | $10.00 | Per stop payment | |
| Select Access/Premier Access returned check fee | $15.00 | Per returned check | |
| Select Access/Premier Access style 38 checkbook reorder – includes 500 checks and 90 deposit slips | $55.00 | Per reorder | |
| Select Access/Premier Access check copy request | $2.50 | Per check copy requested | |
| Other Check Management Services | |||
| Check request | |||
| Overnight courier fee** | $13.00 | Per overnight request | |
| Overnight Saturday delivery fee** | Varies by delivery address | Per overnight request | |
| Mailgrams** | $5.00 | Per mailgram | |
| Margin extension** | $20.00 | Per extension | |
| Returned EFT fee | No charge | ||
| Returned check fee – retail account** | $15.00 | Per returned check | |
| Returned check fee – retirement account** | No charge | ||
| Stop payment/stop check fee – retail account** | $20.00 | Per stop payment | |
| Stop payment/stop check fee – retirement account** | No charge | ||
| Wire transfer** | $15.00 | Per wire request | |
| Investment Specific | |||
| Alternative investment holding fee for registered positions** | $35.00 for registered positions | Annual – per position, maximum of $500.00 | |
| Alternative investment holding fee for non-registered positions** | $125.00 for non-registered positions | Annual – per position, maximum of $500.00 | |
| Alternative investment document review (due diligence)** | $100.00 | Per review | |
| Alternative investment purchase, redemption, or re-registration fee** | $50.00 | Per purchase, redemption, or re-registration | |
| Equity dividend reinvestment | No charge | ||
| Physical reorganization** | $150.00 | Per reorganization | |
| Restricted stock – returned security priced at $1.00 or less** | $11.00 | Per returned security | |
| Restricted stock – service request (legend removal, gifting, re-registration)** | $150.00 | Per service request | |
| Restricted stock – unauthorized sale penalty** | $40.00 | Per unauthorized sale | |
| Safekeeping fee** | $15.00 | Per position per month | |
| Transfer and ship – only available on non-DRS eligible securities (DTC transfer or physical certificate request) | $500.00 | Per request | |
| Transfer and ship DRS eligible securities (outgoing statement sent to transfer agent)** | $15.00 | Per request | |
| Transfer and ship DRS eligible securities (incoming statement sent to transfer agent) | $15.00 | Per request | |
| Voluntary reorganization** | $20.00 | Per reorganization | |
| Securities and Exchange Commission Fee Rate (Effective May 22, 2024) | |||
| SEC Section 31 | $22.80 per $1 million for covered sales | Per transaction | |
Asterisks show who the charges defaults to and who can pick up the charge:
*Defaults to the financial professional.
**Defaults to the client, but the financial professional may choose to reimburse.
***Client charge only.
Note: If an account does not have sufficient funds (or cash) to cover ancillary fees, the fees are subject to be allocated to the financial professional for any account regardless of the account program type.
Ticket Charges
| Fee Amount | |||
|---|---|---|---|
| Product Fee Type | Electronic1 | Frequency | Included in WealthPort Program Fee |
| Stocks, Exchange Traded Funds (ETF)2 | |||
| International Surcharge/foreign receive and delivery fees2 | $50-$75 | Per International Security | |
| 144A/Reg S Exchange | $50.00 | Per event | |
| Purchase Fee | $0-$19 | Per Transaction | X |
| Penny Stock (Low Priced Speculative Securities not traded on an exchange under $5.00) | $74.00 | Per Transaction | Not allowed on the WealthPort Program |
| Redemption Fee | $19.00 | Per Transaction | X |
| Post Settlement Correction Fee | $5.00 | Per Transaction | |
| Mutual Funds | |||
| Periodic Investments Purchase Fee | $0.50 | Per Transaction | X |
| No Transaction Fee (NTF) Mutual Funds3 | $0.00 | Per Transaction | |
| Purchase Fee | $0-$19 | Per Transaction | X |
| Redemption Fee | $0-$19 | Per Transaction | X |
| Post Settlement Correction Fee | $5.00 | Per Transaction | |
| Fund Family Surcharge Fee for Purchase or Redemption for following funds: | $10.00 | Per Transaction | X |
| Options | |||
| Purchase Fee | $0-$19 + $2 Per Contract | Per Transaction | X |
| Redemption Fee | $0-$19 + $2 Per Contract | Per Transaction | X |
| Post Settlement Correction Fee | $5.00 | Per Transaction | |
| Fixed Income - Corporates, Municipals, Governments, Treasuries, Certificates of Deposit, CMOs, Mortgage-backed Securities, Structured Products, etc. | |||
| Clearing Charge - Agency Trades | $30.00 | Per Transaction | X |
| Clearing Charge - Principal Trades | $39.00 | Per Transaction | X |
| Post Settlement Correction Fee | $5.00 | Per Transaction | |
| Unit Investment Trusts (UITs) | |||
| Purchase Fee | $30-$39 | Per Transaction | X |
| Redemption Fee | $30-$39 | Per Transaction | X |
| Post Settlement Correction Fee | $5.00 | Per Transaction | |
| Precious Metals | |||
| Purchase Fee | $45.00 | Per Transaction | X |
| Redemption Fee | $45.00 | Per Transaction | X |
| Post Settlement Correction Fee | $5.00 | Per Transaction | |
| Alternative Investments (Defaults to Client) | |||
| Purchase Fee | $50.00 | Per Purchase | |
| Redemption Fee | $50.00 | Per Redemption | |
| Miscellaneous Fee | |||
| Commission Account Service Charge | $3.50 | Per Trade | Not Applicable for WealthPort Accounts |
1 Custom pricing may be available for offices with large trading volumes. Please contact your Cambridge Regional Director for more information.
2 Listed stock and ETFs (i.e. stock and ETF orders greater than 4999 shares) may incur a half-a-cent per share charge, which if incurred, will be charged to the advisor. Please contact Cambridge's Trade Desk prior to placing such orders to discuss alternatives.
3 This fee may be charged on securities held in safekeeping, cleared, and/or settled by a foreign entity.
Ancillary Charges
| Account or Service | Fee Amount | Frequency | Included in WealthPort® Program Fee |
|---|---|---|---|
| Inactivity fee – accounts with mutual funds only (retail accounts custodial fee)** | $17.50 | Annual | |
| Inactivity fee – standard (retail accounts and custodial fee)** | $35.00 | Annual | |
| Paper Subscription Fee (Fee for the paper delivery of documents such as statements, trade confirmation, and other notifications and letters) | $2.00 | Per month | Fee does not apply to CAAP and UMA accounts. |
| Paper Tax Document Fee | $10.00 | Annual | Fee does not apply to CAAP®1 and UMA accounts. |
| 529 annual maintenance fee (pass through from American Funds)*** | $10.00 | Annual | |
| 529 set up fee (pass through from American Funds)*** | $10.00 | One time | |
| 529 transfer fee | $95.00 | Per 529 transfer | |
| DRS transfer** | $10.00 | Per DRS transfer | |
| Legal transfer fee/GNMA bond transfer** | $135.00 | Per transfer | |
| Outgoing transfer fee – retail accounts** | $125.00 | Per transfer | |
| UBTI tax filing fee** | $200.00 | Annual | |
| Year-end account report** | $3.00 plus postage/handling | Annual | |
| Retirement Account Fees | |||
| 403(b)(7), SIMPLE IRA Plan, Prototype SEP IRA maintenance fee** | $58.50 | Due at account set up and annually thereafter | X |
| Conversion from regular IRA to mutual fund only IRA** | $50.00 | Per conversion | |
| IRA maintenance fee – mutual fund only IRA** | $12.50 | Annual | X |
| IRA, Roth IRA, 5305-SEP, and Education IRA maintenance fee** | $43.50 | Annual | X |
| Pershing Individual 401(k), Simplified 401(k), Simplified Profit Sharing, and Simplified Money Purchase Plan maintenance fee** | $75.00 | Due at account set up and annually thereafter | X |
| Qualified Retirement Plans (QRPs) – Pershing Flexible is 401(k), Flexible Profit Sharing and Flexible Money Purchase Plan maintenance fee** | $125.00 | Due at account set up and annually thereafter | X |
| Termination fee (retirement accounts)** $43.50 annual IRA maintenance fee (termination or maintenance fees will be charged to accounts that are closed on the 7th calendar day to the financial professional) | $143.50 ($100 termination) | Closure of account | |
| Cash Management Services | |||
| ATM/Debit Card | |||
| ATM out-of-network surcharge fee (ATM not on PNC Bank or Allpoint network) | Various | ||
| Cash advance fee (nonATM)** | 0.25% or $2.50 minimum | Per transaction | |
| Corestone Silver | $25.00 | Annual | |
| Corestone Silver Plus** | $50.00 | Annual | |
| Corestone Gold ** | $100.00 | Annual | |
| Corestone Platinum** | $150.00 | Annual | |
| Corestone Gold Corporate** | $150.00 | Annual | |
| Corestone Platinum Corporate** | $250.00 | Annual | |
| Corestone business check – initial order** | $50.00 – One time purchase includes business binder, business register, deposit tickets, and 252 checks | ||
| Corestone carbon copy checks – initial order** | $15.00 | ||
| Corestone carbon copy checks – reorder checks** | $25.00 per reorder | Per reorder | |
| Corestone personal checks – initial order** | No charge | ||
| Corestone personal checks reorder for Silver and Silver Plus** | $12.50 | Per reorder | |
| Corestone personal checks reorder for Gold and Corporate Gold** | $10.00 | Per reorder | |
| Corestone personal checks reorder for Platinum and Corporate Platinum** | $7.50 | Per reorder | |
| Foreign transaction (Visa fee for transactions outside U.S) | 1% of the transaction | Per transaction | |
| Overnight debit card fee** | $25.00 | Per request | |
| Visa paid draft copy** | $2.50 | Per draft copy | |
| Checks | |||
| Corestone business check binder – reorder** | $20.00 | Per reorder | |
| Corestone business check – reorder checks** | $40.00 | Per reorder | |
| Corestone check copy** | $2.50 | Per check copy | |
| Corestone overnight checkbook fee** | $20.00 | Per reorder | |
| Corestone returned check fee** | $25.00 | Per returned check | |
| Corestone stop payment fee** | $25.00 | Per stop payment | |
| IRA resource check copy** | $2.50 | Per check copy | |
| IRA resource checking overnight checkbook fee** | $20.00 | Per overnight reorder | |
| IRA resource checking personal checks – initial order | No charge | Includes deposit tickets and 10 checks | |
| IRA resource checking personal checks – reorder checks | No charge | ||
| IRA resource checking return check fee** | $20.00 | Per returned check | |
| IRA resource checking stop payment fee** | $10.00 | Per stop payment | |
| Other Cash Management Services – Check Request | |||
| Margin extension** | $20.00 | Per extension | |
| Overnight courier fee** | $12.00 or $18.00 on Saturdays | Per request | |
| Returned ACH or check fee** | $20.00 | Per returned item | |
| Stop payment/stop check fee** | $10.00 | Per stopped payment | |
| Wire transfer fee** | $20.00 | Per wire request | |
| Investment Specific | |||
| Alternative investment subscription, redemption, or re-registration fee** | $50.00 | ||
| Employee stock option plan (ESOP)** | $50.00 | ||
| Safekeeping fee** (domestic and foreign) per position | $2.00 | Per month | |
| Special products fee (alternative investment fee)*** | $125.00 for non-registered positions | Annual | |
| Special products fee (alternative investment fee)*** | $35.00 for registered positions | Annual | X |
| Transfer agent fee for processing physical securities** | Varies by transfer agent | Per stock deposit | |
| Transfer and ship – DRS eligible securities (incoming statement sent to transfer agent) | *Computershare, Wells Fargo, and Registar and transfer Company = $15.00 ***American National Stock (AST) = $10.00 | ||
| Transfer and ship – DRS eligible securities (outgoing statement sent to transfer agent)** | $15.00 | ||
| Voluntary reorganization** | $25.00 | Per reorganization | |
| European Economic Area Specific (principally, this applies to equity securities with voting rights that are admitted for trading on a regulated market within the European Economic Area (EEA), and whose issuer has a registered office within the EEA.) | |||
| Annual vote instruction – noting | $5.00 | Per event | |
| Euroclear DWAC Processing Fee | $150.00 | Per event – effective May 15, 2024 | |
| General meeting announcements and proxy voting (e-Delivery and investor mailbox) – notification | $0.50 | Per event | |
| General meeting announcements and proxy voting (e-Delivery and investor mailbox) – voting | $2.00 | Per event | |
| General meeting announcements and proxy voting (Proxy Edge) – notification | Up to $2.00 | Per event | |
| General meeting announcements and proxy voting (Proxy Edge) – voting | Up to $2.00 | Per event | |
| Non-U.S. (“Foreign”) Account Fee | $50.00 | Annual – effective May 15, 2024 | |
| Puerto Rico Tax Reporting Fee | $50.00 | Per filing – effective May 15, 2024 | |
| SEC Section 31 | $27.80 per $1 million for covered sales | Per transaction | |
| Securities and Exchange Commission Fee Rate (Effective May 22, 2024) | |||
| Shareholder disclosure notifications for intermediary accounts – notification | $1.50 | Per event | |
| Vote instruction requiring supplemental information/documentation – voting | $3.00 | Per event | |
Asterisks show who the charges defaults to and who can pick up the charge:
*Defaults to the financial professional.
**Defaults to the client, but the financial professional may choose to reimburse.
***Client charge only.
1CAAP® is a registered mark of Cambridge Investment Research, Inc. for its program for investment managers.
Note: If an account does not have sufficient funds (or cash) to cover ancillary fees, the fees are subject to be allocated to the financial professional for any account regardless of the account program type.
Charges are subject to change.
Technology
Take your practice to the next level with cutting-edge technology solutions.
CLIC® is an integrated digital suite of customizable technology that are continually being enhanced to allow financial advisors to do business wherever, whenever, and however they choose. Streamline running your business and managing your clients.
Fidelity Institutional® Wealthscape
Pershing NetX360+®
Add, edit, and search clients and account data for new account openings and updates
Account forms generation
eSignature
Institutional trading
Auto-open brokerage account types at clearing firms
Option to utilize automated Payment on Demand system for out-of-cycle ACH/EFT payments (advances)
Real-time interactive compensation reporting
Advertising submission and review
Correspondence submission and review
Trade Review
Checks and receivables blotter and direct trade blotter
SmarshEncrypt
Hearsay – compliant texting solution
MyRepChat – compliant texting solution
Web-based document image capture and submission to home office
Search and retrieve account paperwork
Store and retrieve other client documents (e.g., wills, tax returns, meeting notes)
Fee billing
WealthPort®
Simplified experience for setting up and servicing retirement plan accounts with integrations to supplement the fiduciary process
Automatic account opening and straight-through processing
Automatic forms population – supported by QUIK! Forms
eSignature via DocuSign
Electronic account signoff by supervisors
In-depth compensation reporting
Electronic application submission and document retrieval
Electronic correspondence, advertising submission, and retention
Transparent service request tracking
CLIC
Digital wealth at your fingertips.
CLIC Advisor is an extension of Cambridge’s digital workstation and is available with eMoney.
Features Include:
Unified user experience
Mobile access
Advanced analytics
Collaborative client engagement
Comprehensive financial planning
Unlimited secure storage
Client education and direct marketing materials
FinTech Add-ons with CLIC Advisor
- Integrations and discounts available with providers such as Redtail, Wealthbox, Morningstar®, Nitrogen*, HiddenLevers, Bamboo: Marketing Upgrade, eMoney, Salesforce, and MoneyGuidePro
- Cambridge has also designed customized Redtail and Wealthbox workflows to help financial advisors develop and refine their core systems. Financial advisors may apply these workflows to their CRM system to quickly get up to speed in delivering an outstanding client service experience.
*Previously RiskAlyze
Take the next step in engaging with your clients.
CLIC Client serves as a personal finance website helping you engage with your clients.
Features Include:
- Mobile web access for clients
- Custom branding
- Client account aggregation
- Access for all clients
- Goals-based financial planning
- Unlimited secure storage
- Lead capture
- Advanced analytics
CIRStatements (Pershing X*) is a robust consolidated reporting tool which allows for the creation of aggregated, customized reports on client assets. It also features client-level access, making it easier for clientele to see their entire portfolio. Customize the level of access for the client to limit the reports they have access to.
CIRStatements Includes:
Aggregation of outside assets
Client portal that is consolidated and accessible from the financial advisor's website
Consolidated client accounts for the financial advisor
Custom reports created on demand, which are available to print, link, and send to clients detailing holdings, transactions, and performance
Option to add financial advisor branding to client reports
* Previously Albridge
Using role-based entitlements, CLIC Dashboard delivers an experience based on the user's unique needs. Leverage this centralized location to view, filter, group, and export data related to your book of business.
Cambridge’s partnership with AdvicePay offers financial advisors a flexible way to manage client subscription models, flat fee-for-service, or hourly services. AdvicePay facilitates client payments using check, credit/debit card, or bank account using ACH. Clients invoiced through AdvicePay are also offered online access to manage payment methods and view previous or upcoming invoices.
- Invoice for subscription models, flat fee-for-service, or hourly services
- Provide clients a no-hassle way to set up one-time or recurring payments for financial planning services
A number of factors can influence your choice of financial planning tools. Your previous experience with various programs, personal preference, ease of use and implementation, and cost are all considerations. Many vendors we partner with offer a complimentary 30-day trial to “test drive” their programs. We encourage you to take advantage of this option when available.
Vendors:
- Advicent
- Advisys
- Asset-Map
- Elements
- eMoney Advisor
- Envestnet MoneyGuide
- Fidelity Retirement
- Income Conductor
- MoneyGuidePro
- Moneytree
- RetireUp
- RightCapital
We understand finding the right technology for your business is one of the simplest ways to increase efficiencies and profits. We have discounts with several leading CRM providers, including:
- Advisor Assistant
- Ebix SmartOffice®
- Equisoft/Connect
- Junxure
- Practifi
- Redtail Technology
- Wealthbox
You need access to the most up-to-date information about market trends and financial products. Research and reporting tools are essential in helping you stay in touch, evaluate investment ideas, and recommend them to your clients.
The following tools are available to you:
- AdvisoryWorld ICE
- Fidelity Institutional® Wealthscape Research Center
- FinaMetrica
- Hidden Levers
- Kwanti
- Morningstar Advisor Workstation
- Pershing NetX360 Research Center
- Nitrogen*
- Tolerisk
- Totum Risk
- YCharts
- Zacks
*Previously RiskAlyze
Arm your administrative professionals, both licensed and unlicensed, with the integrated suite of tools they need to tackle critical tasks for your business.
- CLIC Advisor
- CLIC Client
- CLIC Dashboard
- CLIC New Account Open
At Cambridge, we embrace cutting-edge technology to help you stay ahead. With the growing capabilities of Artificial Intelligence (AI), you have the opportunity to integrate smart, flexible solutions into your business.
To protect your clients and your business, any AI tools that access private client data or sensitive business information must first be reviewed under our vendor due diligence policy. Additionally, AI-generated transcriptions or outputs shared with clients must meet standard correspondence requirements.
Your clients trust you to keep their information secure. By using only Cambridge-approved AI tools, you ensure compliance, maintain confidentiality, and safeguard your business.
Events
Stay ahead of industry trends and connect with your peers at one of over 25 live events we host each year. We offer tailor-made, top-tier content regardless of your niche or business interest.
Featured Live Events
National Event – Ignite
Ignite is more than an event; it is an experience. Financial advisors and their staff are invited to connect with Cambridge leaders, sponsors, and peers to network and learn from one another in an exciting atmosphere. The event has fun and educational experiences, small group sessions, motivational speakers, and more.
Accelerate
Accelerate is an exclusive event celebrating the critical role support staff play in your business. It equips attendees with the knowledge and tools to drive even greater success while making deep connections with their peers.
Cambridge Community of Women Forum
At our annual forum, the community comes together for educational sessions and intimate networking opportunities with CEO and Co-Chairman of the Board Amy Webber, their peers, and many Cambridge leaders focusing on driving greater gender diversity within the advice industry. The community continues this vital conversation through a monthly webinar series.
Retirement Plan Summit
A premier educational event for financial advisors interested in expanding a retirement plan practice. Engage with ERISA attorneys and other industry experts as they share growth strategies, address plan sponsor risk mitigation, and reveal strategies to meet participant’s ultimate retirement readiness goal.
Recognition Events
Recognition events offer a more intimate group size, desired locales, and 1:1 access to Cambridge executive leadership. These invitation-only events honor the qualifying financial advisor’s outstanding performance and accomplishments.
2025 Cambridge Recognition Events and Qualifications
| Recognition Event | Personal Business Development | Office Business Development |
|---|---|---|
| Circle of Excellence | $1,500,000 + | $4,500,000 + |
| Premier Club | $1,000,000 - $1,499,999 | $3,000,000 - $4,499,999 |
| Signature Club | $750,000 - $999,999 | $2,250,000 - $2,999,999 |
| Leaders Club | $500,000 - $749,999 | $1,500,000 - $2,249,999 |
Qualification for attendance at these events is based on annualized production from October 1, 2023, through September 30, 2024, and is non-transferable.
Support for Recruiting Offices
If you’re a business manager focused on recruiting financial advisors to your firm to expand your business, Cambridge considers you a recruiting office and an important long-term partner. Growing your business through recruiting is an effective and rewarding strategy to reach your growth goals.
We are committed to recruiting through our partnership with recruiting offices and recognize it as an innovative, sustainable growth strategy. We consistently partner with offices that actively recruit, and in 2023, more than half of all new financial advisors joined Cambridge through an existing office.
Business Development Support
Our Business Development Directors collaborate with recruiting offices to answer questions and support you as you work to seal the deal with a recruit. Your dedicated director, familiar with the unique needs of a growing office, remains current on the competitive landscape and frequently collaborates with recruiting offices like yours to provide recruiting support.
Cambridge welcomes recruits to visit us at the home office, whether virtually or in person. We tailor the home office visit experience to focus on the topics that are the most relevant to the recruit.
Technology consultations and demos are available to help in your office's recruiting efforts, highlighting how Cambridge's digital solutions enable financial advisors to win, service, and retain clients – all while maintaining flexibility. With technology designed around the needs of financial advisors, we will show how our technology creates office efficiencies.
Leverage the Cambridge family of financial advisors and leaders to close more business. Invite your recruit to an event to have them begin building connections and experience our one-of-a-kind culture firsthand. We’re happy to offer this unique opportunity nationwide, with events hosted annually on various hot topics in the industry.
Cambridge’s Recruiting Website JoinCambridge.com: Provide the recruit with the JoinCambirdge.com URL or explore the site together for an elevated experience.
Cambridge’s Internal Website cir2.com: Provide the recruit with the cir2.com URL and credentials as a tool to highlight the variety of services supported through Cambridge. Explore the site with your recruit and access helpful information, FAQs, and more.
If you have an opening or exciting opportunity to fill within your office, your Business Development Director will help you get the word out.
We are proud to offer you access to the following to aid in your growth goals:
- Creation and distribution of sales letters
- Access to turnkey, customizable sales letters
- Access to turnkey sales emails
- Social media best practices
Leverage Cambridge’s existing marketing materials with your recruit. These materials can be used digitally or printed, and speaking to our value proposition and many programs and services.
We are proud to offer you access to items highlighting the following topics:
- Digital solutions
- Cambridge fast facts
- Ease of transition
- Outsourcing solutions
- Growth opportunities
- Support for financial institutions
- Insurance solutions
- Succession and acquisition solutions
- and more!
As a recruiting office, you’ll guide your recruits through their transition to Cambridge, but you do not have to do it alone. We understand efficient transitions are crucial to maintaining client satisfaction. Our Transition Team offers different levels of support based on your needs.
Prospecting Tools
Designed to “go wide,” prospecting tools reach a large group of financial advisors who meet your ideal profile. Your messaging should convey that your office’s strengths are backed by a national, internally controlled financial solutions firm – Cambridge. By combining your business's strengths with those of Cambridge, we present a compelling case for your opportunities. The goal is to be the office that recruits want to join.
We can help you connect with your ideal audience on a large scale and aid in your marketing efforts, so you can fill your open opportunity faster than ever.
Defining Your Audience
Unlock market opportunities through Discovery Data, a nationwide database of financial services and insurance professionals that offers a plethora of information to aid in your recruiting efforts. To help you find your ideal candidate, contact the Business Development Director and request a report be pulled from within the database.
Your Business Development Director will then discuss your open opportunity with you and work with you to define the parameters that will be most useful during your marketing campaign. Finally, your custom report will be delivered to you, increasing your overall reach.
Business Tools and Growth
We will support your goals with the helpful tools and resources provided by Cambridge’s experts.
Practice Management
Streamline operations, accelerate growth, and build practice equity with expertise from Cambridge’s Practice Management Team.
Consulting
Take advantage of one-on-one consultative sessions to determine your needs and create a support system to keep your business on track to meet your goals. Choose a consultation from a subject matter expert in the following areas. Other topics are available to suit the unique goals of your business.
Branding
Business growth
Digital strategy and social media
Practice management
Technology
Time management
Coaching
A short-term engagement lasting three or fewer months, designed to tackle your identified business challenges efficiently. You’ll be paired with a dedicated coach who will link you to training, resources, consultations, and educational opportunities to help you overcome obstacles and meet your goals.
Cambridge’s Real Practice Management (RPM) program combines the personalization of one-on-one coaching with the benefits of interactive peer group meetings so you can develop, implement, and achieve your goals purposefully.
Vision: Year One
Elevate your business through educational content and networking opportunities
Work closely with your coach to develop your business plan, marketing strategy, and continuity/succession plan
Focus: Year Two
Continue to work with your coach and develop a focused and strategic business continuity plan that covers three, five, and 10-year periods
Develop an office manual and disaster recovery plan
Recharge: Year Three and Beyond
Designed to keep you engaged and focused on industry topics so you can build on your success
Business Tools and Resources
Cambridge is proud to partner with Truelytics to bring you its complimentary practice management, business intelligence, and valuation tool to help you understand, create, and realize the value in your business.
Using Truelytics, you can personally model different numbers and scenarios for your business. An evaluation report will be created to help you understand business decisions and outcomes. Your evaluation report will identify strategies to improve value. Leverage scores and benchmarks to set priorities and identify ways to improve your business stability and productivity, prepare for an acquisition, develop individual continuity plans, and/or plan for future succession planning.
We recognize the most significant challenge in outsourcing is finding the right third party who understands you and the inherent complexities of our heavily regulated industry. Cambridge Source (Source) is our in-house solution for your common outsourcing needs, making selecting the right partner easy.
Use our Acquiring Staff suite to simplify your workload and focus on what matters most – your clients.
Offerings:
Office Assistant: Hire a knowledgeable assistant who works for you virtually from the Cambridge home office
HR Consulting: Partner with Cambridge’s HR Consulting Team to find the right talent for your firm
The Next Step Internship Program: Assists with recruiting, hiring, and training the next generation to work in your practice
You've built a successful practice. Now it's time to ensure your business is set up for continued growth. Take advantage of these services to fine-tune your firm and give it the pieces it needs to stand out from the crowd.
Offerings:
Business Consulting: Analyze your practice and provide an evaluation of your current business model, identifying strengths, weaknesses, and areas for improvement
Customized Marketing: Collaborate with our experienced copywriters and designers to create a monthly or quarterly newsletter your clients or prospects won’t soon forget. To save you even more time, your consultant can facilitate advertising review on your behalf through collaboration with our in-house Compliance Department.
Website Design and Hosting: Work with our Source Marketing Team to create a modern, mobile, and search engine-friendly website that speaks to the professionalism of your business and what you do
Unlock your team’s potential with resources and tools that will help you and your staff expand your knowledge and consistently deliver exceptional client service. Programs are available for new and seasoned staff members.
Offerings:
Bring your new administrative hire up to speed on the financial services industry
Utilize new tools to manage client relationships and the day-to-day pressures of developing a new practice
Unlock potential and gain insight into your team
Protecting your business is always top of mind. Source offers various options to ensure your clients and business are covered, so you can focus on the day-to-day operations.
Offerings:
Cybersecurity Services: Cyber-attacks are a growing threat to all businesses. Source has partnered with several industry partners to bring you a cybersecurity solution to help control and protect your technology systems from ongoing cybersecurity threats.
Technology Services: Leverage our in-house IT Team to protect your devices, back up your data, and review your technology needs regularly
Beneficiary designations and rules
Charitable giving strategies
Education funding
Estate planning
Fiduciary responsibilities
Income distribution
IRA rules
Retirement planning
Social Security planning
Tax planning
Trust planning and trust service guidance
Retirement income planning solutions
Retirement product due diligence tools
Retirement/tax planning calculators
Networking and Mentorship
Cambridge Nation is a private online community for Cambridge financial advisors to share, recommend, brainstorm, and connect with peers – anytime, anywhere. Mobile-friendly, users can choose to receive email copies of discussion posts, with options for receipt of email digests that make it easy to keep up with perspectives and insights from Cambridge peers.
Synergy Exchange, a feature within Cambridge Nation, is an online networking tool designed to help Cambridge financial advisors find and connect with others. Whether new to the financial services industry or an experienced financial advisor, mentoring can be a valuable tool to help take your business to the next level.
Client Solutions
The marketplace regarding annuities, insurance, advisory products, and securities is rapidly changing. You have a partner on our Client Solutions Team who will work with you to ensure your business evolves for the future.
- Fee-based Solutions: Guidance to streamline your business using an array of fee-based strategies
- Insurance Solutions: Receive no-nonsense advice on industry trends, including legislative changes that impact your business
- Investment Solutions: Offering many different vendors and options of financial planning programs, an extensive list of third-party money managers, as well as cash and cash alternatives
- Private Client Solutions: Leverage firm-wide subject matter experts to support the complex financial needs of your high-net-worth and ultra-high-net-worth clients
- Retirement Plan Solutions: Delivering retirement plan tools and expertise enabling you to better prepare your clients for their life journey
Succession and Acquisition Solutions
We value independence and understand that protecting the value of your practice is critical. Whether you need a solution for an OSJ, a backed and funded plan, or a multi-level plan to accelerate growth to bolster valuation, you will find a knowledgeable, in-house partner to work with and guide you through the process.
Our Succession and Acquisition Solutions Team can help in creating a customized continuity plan and, when the time is right, a formal succession plan for retirement, complete with a consultation on the financial options available.
These consultants can even introduce you to fellow Cambridge financial advisors to partner with for emergency business continuity planning, longer-term acquisition, or succession planning. If you are looking to grow through an acquisition, we will deliver the resources, education, and guidance to help you through the process, to a successful conclusion.
Continuity Express
Supplying the security and protection you deserve.
Available exclusively to Cambridge financial advisors, Continuity Express® will help you get started on long-term planning by putting an emergency continuity plan in place. Continuity Express offers a smart, easy-to-implement solution, supplying a base level of security for your family, staff, and clients in the event of an untimely occurrence.
If an emergency arises, an elite cross-departmental group will provide on-site support to your practice to aid in daily operations and servicing your clients.
Customized Managed Account Solutions
Click each listed item to learn more or to view a full list of available offerings.
WealthPort
Experience a flexible managed account solution designed to meet the unique needs of your business model – no matter how you engage with your clients.
The umbrella of services WealthPort® offers results in time and cost savings, allowing you to spend more time doing what you do best – deepening the client experience.
Staying true to our core value of flexibility, you may use WealthPort with Cambridge Investment Research Advisors (CIRA) or an independent registered investment adviser (IRIA).
WealthPort advisor-directed allows financial advisors to act as portfolio managers which, with the utilization of the WealthPort Block Trading platform, simplifies the processing of tasks, creating model portfolios, and trading while using a broad array of investment products.
Tools available within the WealthPort Block Trading platform include:
- Rebalancing
- Security swaps
- Single multiple-order entry
- Trade to target
- Worksheet trading
Account Minimum
Accounts begin at $5,000. The minimum is waived if the household contains an account with a minimum of $25,000.
The team-directed solution allows offices to offer their models across their entire team and assign a designated trader for all accounts assigned to those models. The office executes trading through our WealthPort Block Trading platform.
CAAP®1 offers a wide variety of strategists and models for the financial advisor to consider depending on the investing client's values, needs, and goals. CAAP gives you more time with clients while supplying a sophisticated investment management solution.
- Mutual fund/ETF models
- Small account solutions
- Tax-aware
- Retirement income
- Equity SMA portfolios
- Social and Sustainable Investing
Account Minimum
- Small account solutions begin at $5,000
- Standard single strategy models begin at $50,000
The WealthPort unified managed account (UMA) solution allows you to combine multiple CAAP strategies and individual securities under one account.
Geared toward high-net-worth clients, this program allows you to conveniently outsource money management to one or more of our trusted CAAP strategists while further customizing the portfolio with your individually selected securities. UMA is used to access and allocate to various asset classes and strategies.
- Customization
- Diversification
- Sophistication
Account Minimum
Accounts begin at $100,000. Accounts may be split between multiple CAAP strategies with a minimum $50,000 in each strategy or a combination of CAAP strategies and Equity SMA portfolios.
If including Equity SMA portfolios, a minimum of $100,000 is required
Additional Asset Management Options
The Cambridge Managed Account Platform (CMAP) is a flexible, unbundled, advisor-directed platform that allows you to use a wide array of investment products, including general securities, load funds, no-load funds, bonds, and more. Electronic trading, as well as discretionary and non-discretionary trading are available.
Account Minimum
- Accounts begin at $25,000. The minimum is waived if the household contains an account with a minimum of $25,000. Account minimums do not apply to retirement accounts.
Cambridge supports one-time and subscription financial planning services and accommodates various financial planning software programs. Fees for financial planning services may be calculated as hourly, asset-based, or a flat service fee. Financial planning fees done under the Cambridge RIA count toward revenue. Financial planning fees done in an independent RIA may be kept in full by the IRIA firm and do not count toward revenue credit.
The Flexible Managed Account Platform (FlexMAP) supplies access to custodians, such as Fidelity Institutional®, Pershing Advisor Solutions and Charles Schwab to leverage the electronic trading systems and services the firm offers.
Cambridge has one of the most extensive lists of money managers and platform providers available, making it easy for financial advisors to meet the unique needs of their investing clients.
¹CAAP® is a registered mark of Cambridge Investment Research, Inc. for its program for investment managers.
Investment Solutions
Quality and choice are equally important, so we offer one of the industry's broadest product footprints while maintaining thorough due diligence. Click each item listed in this section for a detailed list of eligible product companies you may choose to work with.
Choose from many different companies and products to meet your clients’ needs.
| Ares-Black Creek | Bluerock |
| Cantor Fitzgerald | Cottonwood Communities Inc. |
| FS Investments | Hines |
| Inland Real Estate Investment Corp. | Invesco |
| Jones Lang LaSalle | Nuveen |
| RREEF | Sealy & Company |
| Starwood Capital | Strategic Storage-Pacific Oak |
| The Blackstone Group |
- Braemar
- CIM Group
- Preferred Capital Securities
- Griffin Capital
- Cantor Fitzgerald
- Apollo Global Management
- Blackstone
- Blue Owl-Owl Rock
- CNL
- Goldman Sachs Exchange Fund
- ICapital KKR Commitments Fund
- Keystone National Group
- Ironwood Partners
- Bluerock
- Cantor Fitzgerald
- Inland
- Passco
- APX
- Mewbourne
- US Energy
| Blackcreek | BlackRock |
| Blackstone | Bluerock |
| CIM Real Assets | CION Ares |
| Clarion Partners | Conversus StepStone Private Markets |
| FS Credit Income | Griffin Capital |
| Goldman Sachs | Invesco |
| PIMCO | VOYA |
| Absolute Advisers | Alger | AllianzIM |
| American Beacon | Anchor | AQR |
| Arbitrage Funds | Assetmark | AXS Investments |
| BlackRock | BNY Mellon | Brinker |
| Calamos | Cambria | Catalyst |
| CMG | Direxion | Eaton Vance |
| FirstTrust | Franklin Templeton | FS Investments |
| GlobalX | Guggenheim Funds | Horizon |
| iM Global Partners/PartnerSelect Funds | IndexIQ | Innovator |
| Invesco | John Hancock | J.P. Morgan |
| LoCorr | Meeder | Morningstar |
| Natixis | Nuveen | PIMCO |
| Proshares | Rational Funds | Rydex |
| Swan | WisdomTree |
Cambridge offers a robust list of variable and fixed-indexed annuities to meet the ever-changing needs of your clients.
| AIG Variable Annuities | Allianz | Ameritas |
| Athene | Brighthouse | CUNA Mutual Group |
| Delaware Life | Equitable | Forethought-Global Atlantic |
| Great American | Integrity Companies (W & S) | Jackson National Life |
| Kansas City Life | Lincoln Financial | Nationwide |
| Nationwide Advisory Solutions | New York Life | Pacific Life |
| Principal | Protective Life | Prudential |
| Sammons Retirement Solutions | Securian/Minnesota Life | Security Benefit |
| Transamerica |
| Allianz Life | American Equity | American General |
| ANICO – American National | Athene | Delaware Life |
| Eagle Life | Fidelity & Guaranty (F&G) | Gleaner Life |
| Global Atlantic (Formerly Fore Thought) | Great American | Integrity Life |
| Jackson National Life | Lafayette | Lincoln Financial Group |
| Midland National | National Life Group | National Western |
| Nationwide | North American | OneAmerica (State Life) |
| Pacific Life | Protective | Prudential |
| Reliance Standard | Sammons | Securian |
| Security Benefit | Symetra | The Standard |
| United Life | US Life (AIG) |
Leverage one of Cambridge’s fixed income relationships for extensive search engines access, enter purchase orders online, request bids, and generate reports of potential bond purchases and bond ladders for portfolios.
Existing Relationships:
Advisors Asset Management (Pershing and Fidelity Institutional®)
Bond Trader Pro (Fidelity Institutional®)
Bond Central (Pershing)
Southwest Business Corporation (Fidelity Institutional®)
Frequently requested mutual fund companies include:
| American Funds | BlackRock |
| Federated | Fidelity Institutional® |
| Franklin Templeton | Invesco |
| J.P. Morgan | Lord Abbot |
| Oppenheimer | PIMCO |
| Putnam | T. Rowe Price |
| Vanguard | Virtus |
| Aberdeen Funds | AIG SunAmerica Funds | Alger Funds |
| AllianceBernstein Funds | Allianz Global Investors | Alpine Funds |
| American Century Funds | American Funds | American Pension Investors Trust |
| Aquila Funds | Ariel Funds | BMO Global Asset Management |
| Calamos Financial Services, Inc | Calvert Group Funds | Columbia Funds |
| Credit Suisse Funds | Davis Funds | Delaware Funds |
| Dodge & Cox Funds | Domini Social Funds | Dreyfus Funds |
| Dunham Funds | DWS Investments | Eaton Vance Funds |
| Eventide Funds | Federated Funds | Fidelity Funds |
| First American Funds | First Eagle Funds | Forward Funds |
| Franklin Templeton Funds | Goldman Sachs Funds | Guggenheim Funds |
| Hartford Funds | ICON Funds | IDEX Funds/Transamerica |
| Invesco Funds | IVA Funds | IVY Funds |
| John Hancock Funds | JP Morgan Funds | LAZARD Asset Management |
| Legg Mason | Lord Abbett | Mainstay |
| Manager Funds | Manning & Napier | MFS |
| Nationwide | NATIXIS Global Asset Management | NEUBERGER BERMAN |
| Nuveen | Oppenheimer | Pacific Funds |
| Pax World Funds | PIMCO Funds | Pioneer Funds |
| PNC Funds (formerly Allegiant Funds) | Praxis | Principal Funds |
| Pro Funds | Prudential | Putnam |
| Quaker Funds | Royce Funds | Thornburg |
| Timothy Plan | Touchstone | Tweedy Browne Funds |
| Van Eck | Virtus Investment Partners | Voya Investment Management |
| Wells Fargo Funds |
To help streamline your business and client experience, Cambridge uses SIMON as an all-in-one, interactive technology platform to offer structured products.
Cambridge offers a robust list of College Savings Plans to meet the needs of your clients as their goals evolve.
| American Century Investment Services, Inc. | American Funds | Ascensus College Savings |
| BlackRock | College Savings Bank | Columbia Funds |
| Fidelity Investments | First National Bank of Omaha | Franklin Templeton |
| Hartford | Invesco | IVY Funds |
| John Hancock | J.P. Morgan | MFS |
| Northern Trust Securities, Inc. | NorthStar | Nuveen |
| Nuveen Securities LLC | Principal | Putnam Investments |
| Union Bank & Trust Company | Virtus Investment Partners | Voya |
- American Funds
- BlackRock
- Fidelity Investments
- American Funds
- John Hancock
- Voya
Choose a direct Health Savings Account (HSA) or an HSA through Fidelity Institutional® or Pershing. Cambridge offers the flexibility to work with other HSAs if properly registered as an outside business activity.
Cambridge offers a variety of recordkeeping platforms to meet the needs of your diverse plan sponsor relationships.
| ADP | Alerus Retirement and Benefits * | American Funds * |
| American Trust Retirement *^ | Ameritas * | AMI Benefit Plan Administrators, Inc. * |
| Ascensus * | AssetMark, Inc. * | AXA * |
| Benefit Consultants Group *^ | BlueStar * | BPAS * |
| California Pension Administrators & Consultants *^ | Cambridge Retirement Plan Strategies (RPS) * | Cambridge RPS Turnkey * |
| Coastal Daily Balance * | CUNA Mutual Retirement Solutions * | Digital Retirement Solutions * |
| Employee Fiduciary * | Empower-Retirement * | EPIC Advisors * |
| ePlan Services ^ | Fidelity * | Future Benefits of America * |
| Guideline | Heritage Pension Advisors, Inc. * | John Hancock |
| JP Morgan | July Business Services * | KTRADE *^ |
| Lincoln * | Mutual of Omaha | Nationwide * |
| Newport Group * | Northwest Plan Services, Inc. * | OneAmerica * |
| Orion / FTJ Fundchoice | Pai ^ | Paychex * |
| Pentegra *^ | Principal * | Professional Capital Services (PCS) * (FKA Aspire) |
| Prudential * | Retirement Plan Consultants *^ | Retirement Strategies Group * |
| RPG Consultants * | Schwab | Securian * |
| Security Benefit * | Sheakley Workforce Management, LLC * | Spectrum Employee Benefits *^ |
| Sunwest Pensions * | T. Rowe Price | The Standard * |
| Touchstone Retirement Group * | Transamerica | Ubiquity |
| Vanguard * | Vestwell* | VOYA* |
* Also does 403(b) plans
^ Limited to only Matrix or Mid-Atlantic as the Custodian
Through Cambridge’s trust company relationships, access a variety of services including trust planning and administration, and accounting, tax, and insurance support.
- Accounting support
- Insurance support
- Tax support
- Trust planning and administration
- Independent Trust Company of America
- SEI Private Trust Company
- Capital First Trust Company
- Renaissance Trust Services
- Zia Trust, Inc.
We are pleased to offer you a variety of credit and lending choices.
- Goldman Sachs Select
- GS Select for Advisors
- U.S. Bank Private Banking
- Fully Paid Lending
- Margin Lending
- LoanAdvance™
- BNY Mellon
- Investment Credit Line
- Fully Paid Securities Lending
- Margin Lending
| 12th Street Asset Management | 3EDGE Asset Management | American Funds |
| Aristotle Capital Management | Atlanta Capital Management | Berkshire Asset Management |
| BlackRock | Boston Advisors | Brinker Capital |
| Capital Group | Dearborn Partners | Duff & Phelps |
| Fidelity | First Trust Advisors | Franklin Templeton |
| Goldman Sachs Asset Management | Harding Loevner | Horizon Investments |
| iM Global Partner | Invesco | J.P. Morgan Asset Management |
| Kayne Anderson | Kennedy Capital | Lazard Asset Management |
| Morningstar Investment Management | Nuveen | Ocean Park |
| OneAscent | PIMCO | Polen Capital |
| Portfolio Management Consultants (PMC) | Principal Global Investors | Renaissance Investment Management |
| Richard Bernstein Advisors (RBA) | Russel Investments | Schafer Cullen |
| SEI | State Street | Symmetry |
| Trillium | T. Rowe Price | Zacks Investment Management |
| 3D/L Capital Management, LLC. | Absolute Capital Management | Advisors Asset Management (AAM) |
| Advisors Capital Management | Aristotle | Beacon |
| BNY Mellon Wealth Management | BTS Asset Management | City National Rochdale Investment Management |
| Clark Capital Management Group (CCM) | CMG Capital Management Group | Dunham Funds |
| First Ascent Asset Management | Flexible Plan Investments, LTD | Frontier Asset Management |
| Hanlon Investment Management | Howard Capital Management, Inc. | ICON Advisers |
| Integrated Capital Management (ICM) | ITS Asset Management | Maple Capital Management, Inc |
| Manning and Napier Advisors | Mariner Wealth Advisors (formerly Vantage Investment Advisors) | Meeder Investment Management |
| Morningstar Investment Services | Pacific Financial Group | Portfolio Strategies |
| PTS Asset Management | Q3 Asset Management | Redwood Investment Management |
| SEM Wealth Management (formerly Strategic Equity Management) | Stonebridge Capital | Wealth Builder Investments |
| AssetMark | Envestnet Direct | Eqis Capital |
| Fedility Institutional® | Lockwood Financial Services |
Managing General Agent
Through Cambridge’s five MGA relationships, access a full line of traditional insurance, as well as fixed annuity and variable products.
TruChoice supplies financial advisors:
- Peer to peer collaboration
- Industry-leading practice management in person and virtual training solutions designed for you
- Expansive product options, including access to 50-plus top rated carriers
- Branding and advertising opportunities
- Customizable consumer platforms, numerous turnkey programs, developed by top financial advisors and proven to drive results
- 24/7 online portal, calculators, and sales concepts
- Access to an entire team dedicated to you
Advisors Excel supplies financial advisors:
30+ mastermind and training events annually
Ongoing monthly marketing, sales, and CEO coaching connections
Sales, client management, back office, IT, and marketing software
Sales desk and full-service case follow-up for annuity, life insurance, and Medicare
Ultramodern ad agency and marketing and communications studio for branding and marketing material
Turnkey presentations, ads, book writing, and referral programs directly from the field
Emmy Award winning TV studio and radio/podcast production team
Legal, compliance, and cybersecurity consulting
Ash Brokerage supplies financial advisors:
Life insurance
Long-term care
Disability coverage
Impaired risk underwriting
Retirement solutions
Advanced sales concepts
CreativeOne supplies financial advisors:
Product Information Knowledge (PIK) database
Sales tools
Marketing portal
Supplies and eKits
Digital Creative Edge magazine
Advanced marketing and compliance consulting
Education and training for professionals
Crump Life Insurance Services supplies financial advisors:
Premier sales support
Exceptional back-office services
Technology-driven insurance distribution solutions
Leading edge administration system to support all aspects of processing
Clearing and Custody Firms
We believe in the freedom of choice. That’s why we have established multiple clearing and custody relationships, so you can select the choice that best fits your unique business.
- Fidelity Institutional®
- Pershing
- Charles Schwab
- Fidelity Institutional®
- Pershing Advisory Solutions
V.CIR.1124-3740
Cambridge Investment Research, Inc.
1776 Pleasant Plain Road, Fairfield, IA 52556-8757
Business Development: 877.688.2369
Reception: 800.777.6080
