Who we help
You should not have to explain your situation from scratch
Four kinds of people make up most of our work, and we have seen these situations enough times to recognize them quickly. Find the page that fits you best and see how much of it sounds like your year.
- Where we start→
Medtech executives
Base, bonus, RSUs, options, maybe a deferred comp election you make every fall. Four moving parts, four different tax treatments, and no one looking at them together.
- Where we start→
Physicians & specialists
High income, a shorter runway, real exposure if you cannot practice, and less time than almost anyone to think about any of it.
- Where we start→
Business owners
Your balance sheet, your income, and your identity all point at the same asset. Planning has to start with that concentration rather than ignore it.
- Where we start→
Corporate executives & CFOs
Most of the CFOs we work with say the same thing with a smile: rigorous about the company's balance sheet, and running personal decisions on autopilot for years.
Or start from what changed
Planning for life's biggest decisions
- Where we start →
Receiving stock compensation
RSUs, options, or an ESPP that arrived with a vest schedule and no instructions.
- Where we start →
Changing jobs
What you leave behind, what accelerates, and what expires once you resign.
- Where we start →
Becoming a partner
A buy-in, a K-1, and a tax picture that stops looking like a salary.
- Where we start →
Planning around a liquidity event
An IPO, a tender offer, or an acquisition with a date attached to it.
- Where we start →
Selling a business
The work that changes the number, most of which has a long lead time.
- Where we start →
Passing the business on
Handing it to family or management rather than selling to a stranger.
- Where we start →
Protecting your family
What happens to the people who depend on you if your income stops.
- Where we start →
Preparing for retirement
Turning what you have saved into a paycheck that lasts.
Or start from the work
How we help
Build it
- What this involves→
Equity compensation
Vest dates arrive whether or not anyone has thought about them. The work is deciding, ahead of time, what you sell, what you hold, and what the tax bill will be.
- What this involves→
Tax strategy
Most tax advice assumes you own a business. When your income is a paycheck, the levers are fewer, and using them depends entirely on timing.
- What this involves→
Executive compensation
Deferral elections, bonus timing, benefit choices, severance terms. Each one is a decision, and most of them default if you leave them alone.
- What this involves→
Investment management
Allocation is a consequence of what your money has to do and when. Reversing that order is how people end up with a portfolio that has nothing to do with their life.
Move through a transition
- What this involves→
IPO & acquisition planning
Most of the decisions worth making about an IPO or acquisition have deadlines that pass before the money arrives.
- What this involves→
Business exit planning
Two owners can sign the same purchase price and keep different amounts, sometimes by a wide margin. The difference is structure, timing, and planning that happened years earlier.
Protect it
- What this involves→
Disability planning
For a surgeon or interventional specialist, the ability to do one specific job funds everything else. Group coverage rarely protects it as well as people assume.
- What this involves→
Life insurance & cash value
The useful order is obligation first, product second. Most people meet it the other way around, which is why the subject carries so much suspicion.
- What this involves→
Premium financing
This page is educational. It exists because the strategy gets presented enthusiastically and explained poorly, and because the risks deserve equal billing.
- What this involves→
Estate & legacy
Most estate problems we find are not missing documents. They are documents that no longer match the accounts, the titling, or the family.
This material is for general educational purposes only and is not intended as tax, legal, or investment advice. Neither GGM Wealth Advisors nor Cambridge provides tax or legal advice. Please consult a qualified professional about your specific situation.
Let's start with a conversation
Bring whatever is on your mind: a vest date you are unsure about, an offer you are weighing, a business you might sell in three years. Nothing to prepare, no cost, and you will leave with something useful whether or not we end up working together.