Core Values
HARMONY | We cultivate trust and understanding, fostering a harmonious, inclusive environment.
INDEPENDENT THINKING | We strive to develop our own insights and are comfortable being different.
EXCELLENCE | We pay attention to the details and pursue continuous improvement.
SIMPLICITY | Simplicity — at its core — is about clarity. There is no need to over-complicate things.
As a Client, you can expect:
Personalized advice and service that adheres to the Fiduciary Standard of care laid out in Section 206 of the Investment Advisers Act of 1940.
Asset management as well as wealth management expertise
A cutting-edge digital wealth management portal — syncs all of your accounts and documents, helping facilitate clarity and harmony in your financial life.
Account Services
The Logo Story
The Cambridge Wealth Management (CWM) logo design is based on an ancient Japanese coin called the “Four-Mon” coin. It was conceived on the weekend of July 4th, 2014, when our founder’s mother, a Japanese native, showed him some "Four-Mon" coins during breakfast.
In Ancient Asia, the shape of coins was symbolically important. The earth was believed to be square, and heaven was round. Placing a square in the center of a circle symbolized perfect balance and harmony and held special significance as a symbol of prosperity. The coin-shape symbology is the genesis of CWM’s Mission: To help clients prosper by creating financial clarity and harmony in their lives.
The pattern of the eleven waves on the reverse of the “Four-Mon” coin symbolized happiness. Today, the seven waves depicted in CWM’s logo represent the vital components of an investment plan that, when appropriately implemented, can lead to prosperity. The logo colors red, white, and bluish-purple (blurple) are derived from the flag of the United States — a symbol of freedom. After all, the logo was conceived on the weekend of July 4th.
founder’s journey
Before my father's untimely death from pancreatic cancer, I promised him that I would look after my mother, a Japanese native, and her financial well-being. After his passing, I began my journey to acquire financial knowledge and expertise.
Given my interests and goals — becoming a financial advisor seemed like a logical step for me. I asked my younger brother, UBS Warburg's Japan economist, for advice, and he informed me that Merrill Lynch had an exceptional advisor training program. So, I sent my resume to the Albany, New York branch and was hired after my first interview.
My commitment to excellence and diligent work ethic enabled me to excel. Throughout my 5-year tenure at Merrill, I consistently outperformed expectations, surpassing annual assets under management (AUM) and revenue production goals, culminating with attaining President's Club recognition. In 2000, the District Director of Merrill Lynch asked me to be part of a team to help launch a new branch in Cambridge, Massachusetts.
After the dot-com bubble burst, I made it my mission to find a better way to manage portfolios that went beyond the conventional 60/40 asset mix and Modern Portfolio Theory (MPT), which tends to overlook company evolution and macroeconomic factors. During my tenure at UBS as a vice president of investments, I developed a portfolio that could control for volatility, thereby enhancing risk-adjusted returns. The 2008 Global Financial Crisis (GFC) was the ultimate test of my skills and strategy, and I am happy to say: "Mission accomplished. 📊 ✅👍"
Over time, I came to realize that the sales-oriented culture and high commission/fee structures, common at top-tier broker-dealers at that time, were at odds with my business philosophy. Initially convinced that the independent Registered Investment Advisor (RIA) model was inferior to the one I knew, I didn't even think about going independent. My move to UBS's Boston office at 100 Federal Street locked me into a seven-year contract that ended during the onset of the Great Financial Crisis of 2008. Despite facing adversity during and after my transition to UBS, I persevered. I had faith in my ability to build an even better asset management-focused business than before. In 2014, I founded Cambridge Wealth Management, an independent, fee-only investment firm with a simple mission: To help clients prosper by creating financial clarity and harmony in their lives.