CAMBiA Managed Capital Advisory, Inc.

To build the soundest foundation with clients, Cambia believes the key is a thorough understanding and analysis of the client’s investment goals and financial needs, leading to the development of a comprehensive investment plan and overall asset allocation. The portfolios under management may constitute all, or only a portion, of the overall allocation.

Included in the management of investments, Cambia will perform specific investment planning analysis for specific areas of an individual client's concern. Education and retirement savings plans, as well as insurance reviews and total comprehensive plan analyses can be performed.

Cambia encourages personal contact with all clients or their representatives on a regular basis to monitor their changing investment needs and goals. Clients can choose to be contacted by telephone or e-mail. Through this regular communication, clients can gain fresh insight into the investment process and security selection.

One example of how this contact benefits the client is that portfolios can be more tax-efficient. Every individual client has a unique tax situation. Cambia can make specific actions in the process of managing investments to enhance tax efficiency and after-tax investment returns.

Cambia provides detailed portfolio reporting on a quarterly basis for its clients. Those reports include a detailed listing of the portfolio’s holdings, an accounting of all transactions during the reporting period and the portfolio’s total return in comparison to the appropriate benchmarks