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Services

Planning is never finished at Cambium. 

Each day, each chapter of our lives need to be reviewed and sometimes a tweak or maybe a major adjustment made. We realized years ago that this process is continual but not tended to on a rigid schedule. As a result, we use this list as a tool to keep us on a disciplined path.


Portfolio Allocation

• Retirement income needs analysis
·· Social Security
·· Pensions
·· Investment accounts
·· Investment properties
·· Business interests
• Outflow analysis
• Assign purpose to assets
• Risk

Estate Planning

• Review documents
·· Trust / Will / POA / TODs
·· Review Asset Titling
• Work with professional to establish if needed
• Inform responsible parties
• Document vault

Insurance Analysis

• Insurance vs. liquidity
• Life / DI / LTC

Legacy Planning

• Charity
• Beneficiary planning outside of estate planning

Tax Planning

• Meeting with CPA
• Tax harvesting
• Estate planning
• Assets location
• Roth conversions

Education Planning

• Loans
• Gifts
• Offer services to kids

Parental Care


Life Transitions

• Marriage / Divorce
• Life / Death
• Business succession
• Moving
• Disability

Business Planning

• Succession
• Structure
• Buy / Sell
• Key person insurance

Financial Planning Review


Document Storage


Getting what you want out of life...

• Impacting family and society
• Vacations
• Second home