Important Disclosures

 

REGULATORY DISCLOSURE

Cambridge Wealth Counsel (CWC) is registered with the U.S. Securities and Exchange Commission (SEC) as a Registered Investment Advisor. CWC neither renders nor offers to render financial planning, tax, or personal investment advice through this web site. This web site is limited to the dissemination of general, non-specific information on Cambridge Wealth Counsel’s service offerings.

CWC may render advice only after the following conditions are met:

  1. Registration of the advisor with the U. S. Securities and Exchange Commission or appropriate state division of securities.
  2. Delivery of a Disclosure Brochure (Form ADV, Part 2) by advisor to client.
  3. Execution of a client agreement between the client and the advisor.
  4. Advisor may transact business only in states in which it is registered, or in which it is exempted from registration. The Investment Advisor must also be registered or exempted or excluded from registration in any state in which it responds to persons in that state to effect or attempt to effect transactions in securities or render personalized investment advice for compensation.

 

PRIVACY POLICY

Cambridge Wealth Counsel, like all providers of personal financial services, is now required by law to inform their clients of their policies regarding privacy of client information. Our Firm has been and continues to be bound by professional standards of confidentiality that are even more stringent than those required by law. Therefore, we have always protected your right to privacy.

 

Types of Nonpublic Personal Information We Collect 

We collect nonpublic personal information about you that is provided to us by you or obtained by us with your authorization.

 

Parties to Whom We Disclose Information

For Current, Former and Prospective clients, we do not disclose any nonpublic personal information obtained in the course of our practice except as required or permitted by law. Permitted disclosures include, for instance, providing information to our employees, and in limited situations, to unrelated third parties who need to know that information to assist us in providing services to you. In all such situations, we stress the confidential nature of information being shared.

 

Protecting the Confidentiality and Security of Current and Former Clients’ Information

We retain records relating to professional services that we provide so that we are better able to assist you with your professional needs and, in some cases, to comply with professional guidelines. At times, we may disclose nonpublic personal information to financial service providers (e.g. attorneys, bankers, mortgage brokers or insurance companies) with your consent for the purpose of obtaining products for your benefit.

In order to guard your nonpublic personal information, we maintain physical, electronic, and procedural safeguards that comply with our professional standards.

 

CAMBRIDGE BLOG DISCLOSURES

These articles and resources are provided for informational and educational purposes only and do not provide legal, tax, accounting or personalized investment advice. You should consult the appropriate professionals for advice that is specific to your situation. Past performance is no guarantee of future results. These articles and resources contain certain forward-looking statements that indicate future possibilities. Due to known and unknown risks, other uncertainties and factors, actual results may differ materially from the expectations portrayed in such forward-looking statements. Readers are cautioned not to place undue reliance on forward-looking statements, which speak only as of their dates.

There is no guarantee that the views and opinions expressed herein will come to pass. Additionally, these articles and resources contain information derived from third-party sources. Although we believe these third-party sources to be reliable, we make no representations as to the accuracy or completeness of any information prepared by any unaffiliated third party incorporated herein, and take no responsibility therefore. Investing in the stock market involves gains and losses and may not be suitable for all investors.

Some articles and resources contain performance results of certain market indices which are provided for illustrative purposes only as it is not possible to directly invest in an index. Indices are unmanaged, hypothetical vehicles that serve as market indicators and do not account for the deduction of management fees or transaction costs generally associated with investable products, which otherwise have the effect of reducing the performance of an actual investment portfolio.  It should not be assumed that your account performance or the volatility of any securities held in your account will correspond directly to any benchmark index. References to specific securities are presented principally to illustrate CWC’s investment methodology or approach and are not being referenced to demonstrate CWC’s performance or investment results. The information contained herein should not be construed as a solicitation or recommendation to purchase or sell any security.

A complete list of portfolio holdings and specific securities transactions for the preceding 12 months is available upon request. These articles and resources should not be regarded as complete analyses of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change without prior notice.

 

OTHER DISCLOSURES 

The information in this web-site is based on data gathered from what Cambridge Wealth Counsel believes are reliable sources. It is not guaranteed as to accuracy, and does not purport to be complete and is not intended as the primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor.

The information contained on this web site is general in nature and not a substitute for individual specific professional advice you would receive from an accountant, attorney, qualified tax preparer, or registered investment advisor. When making decisions as a result of the information you have accessed through this web site, you should always seek the counsel of an accountant, attorney, qualified tax preparer, or registered investment advisor to obtain advice applicable to your specific situation.

By your use of the links to third party sites provided on this web site, you agree that CWC shall not be liable for any damages resulting from or use of or access to these sites. You hereby acknowledge that CWC has no control over the content or availability of these sites, nor that of any additional sites that the third party sites may subsequently link to. Third-Party Content is the sole responsibility of the third-party providers. CWC has not reviewed the accuracy, timeliness or suitability of the Third-Party Content and does not endorse such Third-Party Content provider.

CWC does not render or provide legal advice.

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Modera

Cambridge Wealth Counsel Has Merged!

We are pleased to announce that effective July 1, 2016, we have merged with Modera Wealth Management, LLC (“Modera”), an independent, fee only wealth management firm with offices in Georgia, Florida, Massachusetts and New Jersey. The merger brings together two growing firms with a common set of values and wealth management philosophies. Both share a deep dedication to being a fee-only fiduciary, providing objective advice in the best interests of their clients, remaining independent and continue to deliver exceptional service.

The resources and expertise we can provide to our clients are enhanced; the combined group results in a team of 51 employees, including 25 holding the CFP ® certification, 5 with the CFA designation, 3 CPAs, one JD, one CDFA, one EA and one CFTA. Along with your current wealth management team, we may, depending on your needs, introduce other specialists in our expanded group.

The name “Modera” stands for “to manage, to moderate”, with various roots in Latin, Italian and Spanish. Given that we are creating long-term financial plans and managing assets for the long-term with emphasis on risk management, the name Modera embodies our core beliefs. It is up to date and forward looking, yet grounded in the principle of “take no more risk than one needs to achieve one’s goals”.

Please click here to be redirected to the ModeraWealth.com website. If you would like to have a conversation about the merger, please do not hesitate to reach out to us. We are reachable at the same unchanged phone number (770) 506-7377

We are so grateful for the trust and confidence of you, our clients. We look forward to continuing to serve you and your families in the years ahead.

Rob, Barry, Brandy, Tana, Salome and Doreth

The New Georgia Office of Modera Wealth Management