Our Partners Strive to be The Best in Their Areas of Expertise.

We have a lot of people we work with behind the scenes.  When we look at providing a comprehensive solution, we realize that we are not experts in every area of financial planning.  Through the planning process, we can include your trusted professionals or ones that we have confidence, experience and history with.  Below is a list of professionals we partner with.  With your approval, we rely on these industry specialists to help complete specific areas of your comprehensive plan.


INVESTMENT BANKING

Ladenburg Thalmann

Through Ladenburg Thalmann Financial Services, Inc., Cambridge can offer traditional “Wall Street” products and services to Independent Advisors objectively or without corporate influence. Ladenburg Thalmann’s expertise in the investment banking arena dates back to the 1870s. They provide access to a broad menu of institutional banking, research and capital markets services, including Initial Public Offerings, Private Equity, PIPE Offerings, Mergers and Acquisitions, Valuations and Special Purpose Acquisition Companies (SPACs).

Ladenburg Thalmann’s businesses include:
• Asset Management
• Equity Research
• Independent Brokerage and Advisory Services
• Institutional Sales and Trading
• Investment Banking
• Private Client Services


The above/below named entities are unaffiliated with Cambridge.


ASSET MANAGEMENT

Jeff Anderson, Efficient Market Advisors

In addition, to serving as National Sales Manager, Jeff is also is a member of the Investment Policy Committee. Mr. Anderson comes to EMA with 18 years of financial services experience.

Mr. Anderson most recently was President of StandSure Wealth Management an independent investment advisory firm. Prior to founding StandSure Wealth Management in 2003 Mr. Anderson worked for Smith Barney as a Financial Consultant (1996-2003) and Tullett and Tokyo Forex as an inter-bank broker (1989-1996).

Mr. Anderson holds an MBA from Pepperdine University (1993) and a BA from the University of California, Los Angeles (1989). In addition, he also holds a Professional Certificate in International Business from the Thunderbird School of Global Management (1990) and attended the graduate seminar of International Finance at London University (1989).


ASSET MANAGEMENT

Herb Morgan, Efficient Market Advisors

Herb Morgan is CEO and Chief Investment Officer of Efficient Market Advisors, LLC (EMA), which he founded in 2004.  Mr. Morgan is the creator of the Efficient Market Advisors Managed ETF Account, a unique low cost, tax-efficient investment account that utilizes Exchange Traded Funds. (ETFs)

Prior to becoming CEO of EMA, Mr. Morgan held the post of Senior Vice President of Advisory at Linsco/Private Ledger Financial Services, Inc. Mr. Morgan was also Sr. Vice President with Dreyfus as well as Sr. Vice President with ING Funds group. (Then known as Pilgrim Funds) From 1990 to 1996 Herb held positions with J&W Seligman & Co. Herb Morgan graduated from The University of California, Santa Cruz with a Bachelor of Arts Degree in Economics. (Honors)

Mr. Morgan has been interviewed by multiple publications including Forbes Magazine, CBS Market Watch, Business Week, Investment News, Investors Business Daily and The Wall Street Journal. Mr. Morgan has also been a guest on Fox News and CNBC television. Additionally, Herb has served as an expert witness in cases involving mutual fund trustee fiduciary liability.

Herb served as President of the Board of Administration of the San Diego City Employees Retirement System (SDCERS) where he was a member of the Investment , Business Governance. Audit and Disability Committees. He was a member of the Board of Administration from April 2009 to July 2013.

Mr. Morgan is involved with philanthropy in education where he served on the board of directors of The Foundation Chapter of Theta Chi Fraternity, Inc. from 2005 through June 2011. During his tenure he served as chair of the Investment Committee.


LEGAL SERVICES

Strazzeri Mancini, LLP

At Strazzeri Mancini LLP, we assist families and their advisors through our: FamilyCare Group™ – Estate & Business Planning and Succession, FamilyCounselor Group™ – Wealth Protection and Transfer Strategies, FamilyGovernance Group™ – Supporting family offices and fiduciaries, Wealth Advisor Partnering Program – Collaborative planning.


LEGAL SERVICES

Albrecht & Barney Law Corporation


LEGAL SERVICES

Edward S. Inouye

Edward Inouye completed his undergraduate work at U.C.L.A. and received his Bachelor of Arts Degree in Economics in 1975.  He worked in the estate planning field in the insurance industry prior to receiving his Juris Doctorate from Western State University College of Law in 1982.  Ed was admitted to the California State Bar in 1983 and served as Director of the Estate and Financial Planning Division of Resource Insurance and Investment Services, Inc. from 1982-1985.

Beginning in 1986, Ed entered private practice in Orange, California, with an emphasis in Estate Planning and Business Continuity Planning.  In 1990, he joined the firm of Oshins and Gibbons in Las Vegas, Nevada, as an Associate, while maintaining his private practice in California.  In 1991, he became a partner at Oshins and Gibbons and concurrently formed the California Partnership of Oshins & Inouye in which he continued to be a partner until 1995.

Since 1995, Ed has been a sole practitioner in Orange County, specializing in basic and advanced estate planning, tax planning, and business continuity planning.  He continues to maintain his home office in Irvine, but also maintains a strong and active clientele in the West Los Angeles, Northern California, and Las Vegas areas.  He lectures extensively to the general public as well as major financial institutions including John Hancock Life Insurance Company, Signature Resources, Inc., RSM McGladrey, Inc., Oppenheimer & Co., and Union Bank of California in the area of advanced estate planning.

Ed also acts as a special counsel to other estate planning attorneys for their advanced estate planning cases.


INSURANCE SERVICES

Producers Choice Network (PCN)

Producers Choice Network (PCN) believes in placing others first, keeping promises and planning for life.

PCN also believes that every person deserves to live the life that they planned for and experience the joy of pursuing financial independence with a greater sense of peace and security. 

As a trusted partner, PCN delivers client-centric longevity strategies and protective insurance solutions to help Broker-Dealers, RIAs and Financial Professionals become a stronger center point of guidance to those they serve.


INSURANCE SERVICES

Costello & Sons Insurance (CSI)

Costello & Sons Insurance (CSI) is a third generation brokerage with offices throughout California. CSI is a niche broker that specializes in two areas: Personal Lines for Affluent Individuals/Families and Commercial Lines for Technology Companies and Venture Capital/Private Equity. Our Private Client Division focuses on asset and income protection through a combination of risk management and insurance solutions. We pride ourselves on the ability to tailor coverage and mitigate the unique exposures of a high net worth individual or family.


MORTGAGE LENDING

Bill Kelso, V.P. Mortgage Lending, The Kelso Group

While doing something that he truly enjoys, Bill Kelso has not only earned the respect of his peers, but he has built a solid reputation in the real estate financing field by putting his clients’ needs first. He knows the value of personal service and is committed to helping each of his clients go well beyond the simple financing solution by helping them realize their ultimate goals.

Prior to starting The Kelso Group, Bill was a consistent top producer with Bank of America, Countrywide, On Q Financial, and JPMorgan Chase. In his professional career, Bill has been the recipient of numerous awards and distinctions including being personally recognized in both 2004 and 2005 as JP Morgan Chase’s #1 Top Producer Nationwide in the area of construction lending. Bill and his team have earned accolades in service excellence from their clients, peers, and competitors alike.

Bill’s broad professional experience enables him to deliver a variety of complex loan solutions to his clients. By closely monitoring financial trends and developments within our local real estate community, Bill has been successful in helping his clients maximize their market opportunities.

Bill was born in Newport Beach and raised in the local community. Bill, his wife Kori, and their (3) children – Charlie, Lily, and Pete, currently reside in Laguna Beach. Bill is actively involved in sports and the community, and feels uniquely blessed by the simple things in life such as family, friends, and faith.


TAX AND ACCOUNTING

Steven Olmsted, CPA, MST, Olmsted & Associates