Nothing gets recommended in the first meeting

The first meeting is free, and it always will be. It is a discovery conversation, and it is how we both work out whether this is a fit. If we go ahead together, planning carries a fee, and you will know the number before you commit to anything. Engagements come in three levels, starting at a one-time strategy engagement of $3,500 plus $250 a month from the second month, and the level depends on the complexity of your situation. For households above $1 million in assets we manage, the planning fee is typically waived. If we also manage investments, that is a separate and optional asset-based fee, quoted on our fee sheet and charged on top of the underlying fund, manager, and platform expenses. Cambridge's Form CRS also describes the services offered, fees and costs, conflicts of interest, and the standard of conduct that applies.

The first conversation is about an hour. Gathering what we need and building the analysis usually takes two to three weeks, depending on how quickly documents come together and whether your employer plan documents are easy to get hold of. Implementation runs from there in priority order rather than all at once.

For the first meeting, nothing. After that: recent statements, your equity grant documents, your employer plan documents including any deferred compensation plan, your insurance policies, and your estate documents. We keep the list to what genuinely changes the answer rather than asking for everything on principle.

Built around your calendar rather than a fixed quarterly slot. For most executives that means enrollment season for deferral and benefit elections, a fall conversation on the tax year with your CPA involved, and a check-in around vest dates or open trading windows. Plus whenever something changes.

Not necessarily. Planning and where your assets are held are separate decisions. Some clients work with us on planning while accounts stay put, which is common where a workplace plan has limited options. Where consolidating genuinely improves coordination we will explain why rather than assume it.

Plenty of people come to us for a second read on a specific decision: an equity position, a deferred comp election, an exit. That is a reasonable thing to want, and it does not have to end in changing advisors. If your current setup is working, we will tell you that.