Our Services

Cambridge Financial Services provides clients with a comprehensive financial analysis as well as specific product recommendations in the areas of insurance, investments, pension plans and employee benefits. First we will analyze your current needs, coupled with your goals and objectives. Next, we will assist you in implementing a personalized plan using products and ideas that best suit your individual situation. We offer a complete range of services. Together with your accountant, attorney or other consultants, we'll complete your team of trusted advisors.

BUSINESS PLANNING

Business continuation planning
Pension plan design
Profit sharing plan design
401(k) plans
SIMPLE 401(k) / IRA plans
Business overhead insurance
Buy-sell agreement funding
Disability buy-sell agreement funding
Employee benefit programs
Key employee insurance
Key employee retention/recruiting programs

EXECUTIVE BENEFITS STRATEGIES

Deferred compensation
Split dollar insurance
Executive bonus plans
Corporate owned life insurance
Disability income protection
Welfare benefits trusts

RETIREMENT PLANNING

Tax Sheltered Annuities - 403(b) plans
Simplified Employee Pensions
Employee Stock Option Plans
Defined benefit plans
Defined contribution plans
Early retirement plan withdrawal options
Keogh plans
Traditional IRAs
Roth IRAs
Pension plan rollovers

PERSONAL PLANNING

Financial ProfilesTM
Asset allocation
Tax savings strategies
Education IRAs

ESTATE PLANNING

Estate analysis
Estate tax solutions
Charitable giving
Family business transfer
Tax exempt trusts
Charitable remainder trusts

WEALTH ACCUMULATION STRATEGIES- Services offered through HTK, Inc.

Mutual funds
Professional money management
Variable annuities
Fee based planning
Money market funds
Tax free municipal bonds
Stocks and bonds
Wrap fee programs

PROTECTION STRATEGIES

Life insurance
Disability income insurance
Long term care insurance
Health insurance
Auto and home insurance