{
  "crd_number": 148889,
  "slug": "cambridge-retirement-partners-148889",
  "primary_business_name": "CAMBRIDGE RETIREMENT PARTNERS",
  "legal_name": "CAMBRIDGE WEALTH ADVISORS, LLC",
  "dbas": [],
  "city": null,
  "state": null,
  "country": null,
  "cbsa_code": null,
  "metro": null,
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2022-05-20",
  "years_registered": 4,
  "period": "2026-10-01",
  "filing_date": "2026-03-03",
  "carried_forward": false,
  "raum_total": 237029977.0,
  "raum_discretionary": 9334827.0,
  "raum_non_discretionary": 227695150.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 2,
  "advisory_employees": 2,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "other": {
      "raum": 0.0,
      "count": 0
    },
    "charitable": {
      "raum": 0.0,
      "count": 0
    },
    "individuals": {
      "raum": 1921291.0,
      "count": 6
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 225203780.0,
      "count": 18
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 9904906.0,
      "count": null,
      "fewer_than_5": true
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 0.0,
      "count": 0
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "other",
    "pension_consulting",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "GA"
  ],
  "websites": [
    "https://cambridgeretirementpartners.org",
    "https://facebook.com/CAMBRIDGE-WEALTH-ADVISORS-LLC"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/148889",
  "city_as_filed": null,
  "url": "https://advisorcensus.com/firm/cambridge-retirement-partners-148889",
  "display_name": "Cambridge Retirement Partners",
  "summary": "Cambridge Retirement Partners is an SEC-registered investment advisory firm, registered since 2022, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 3, 2026.",
  "citation": "AdvisorCensus. Cambridge Retirement Partners (CRD 148889): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Portfolio management for businesses (other than small businesses) or institutional clients",
    "Pension consulting services",
    "Other"
  ],
  "quick_answers": [
    {
      "q": "How is Cambridge Retirement Partners compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Cambridge Retirement Partners reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Cambridge Retirement Partners charge?",
      "a": "Its Form ADV Part 2A brochure dated March 3, 2026 states: Hourly rate: $750 an hour (retirement planning & consultation services). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Is Cambridge Retirement Partners registered with the SEC or a state?",
      "a": "Cambridge Retirement Partners is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 148889."
    },
    {
      "q": "How much does Cambridge Retirement Partners manage?",
      "a": "Cambridge Retirement Partners reports $237,029,977 in regulatory assets under management in its Form ADV filing dated March 3, 2026 (4% discretionary)."
    },
    {
      "q": "How have Cambridge Retirement Partners' assets and staff changed since 2022?",
      "a": "In the Form ADV data for Cambridge Retirement Partners: Regulatory assets under management: $156,000,000 in the October 2022 data and $237,029,977 in the October 2026 data, up 52%. Total employees: 2 in October 2022 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Cambridge Retirement Partners serve?",
      "a": "By number of clients on Form ADV Item 5.D: pension and profit sharing plans (but not the plan participants or government pension plans) (18); individuals (other than high net worth individuals) (6)."
    },
    {
      "q": "Does Cambridge Retirement Partners report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/148889"
    },
    {
      "q": "Does Cambridge Retirement Partners state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 3, 2026 says: \"There is a minimum family of investment accounts value of $1,000,000. The minimum may be waived based on the complexity of the situation, needs of the client, and other criteria at the sole discretion of the Firm.\""
    },
    {
      "q": "What changed in Cambridge Retirement Partners' recent Form ADV filings?",
      "a": "In the March 2026 filing data: Regulatory assets under management went from $211,124,983 to $237,029,977 (+12%)."
    }
  ],
  "filing_history": [
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 156000000.0,
      "total_employees": 2,
      "filing_date": "2022-04-26"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 143362237.0,
      "total_employees": 2,
      "filing_date": "2023-05-09"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 171077030.0,
      "total_employees": 2,
      "filing_date": "2024-03-01"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 211124983.0,
      "total_employees": 2,
      "filing_date": "2025-01-22"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 237029977.0,
      "total_employees": 2,
      "filing_date": "2026-03-03"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-03-01",
      "period_label": "March 2026",
      "notes": [
        "Regulatory assets under management went from $211,124,983 to $237,029,977 (+12%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 3, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$1,000,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $750 an hour (retirement planning & consultation services)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $1,000,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "There is a minimum family of investment accounts value of $1,000,000. The minimum may be waived based on the complexity of the situation, needs of the client, and other criteria at the sole discretion of the Firm."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $750 an hour (retirement planning & consultation services)"
        ],
        "quotes": [
          "We earn hourly fees at a rate of up to $750.00 per hour for retirement planning & consultation services."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 1000000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": 750.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "retirement planning & consultation services"
        }
      ]
    },
    "quotes": [
      "There is a minimum family of investment accounts value of $1,000,000. The minimum may be waived based on the complexity of the situation, needs of the client, and other criteria at the sole discretion of the Firm.",
      "We earn hourly fees at a rate of up to $750.00 per hour for retirement planning & consultation services."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [],
  "custodians_note": null,
  "markdown_url": "https://advisorcensus.com/firm/cambridge-retirement-partners-148889.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 6,
      "fewer_than_5": false,
      "raum": 1921291.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": null,
      "fewer_than_5": true,
      "raum": 9904906.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 18,
      "fewer_than_5": false,
      "raum": 225203780.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/148889",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}