Cape Cod · Since 1996Transition Guidance for Life's Next Chapter
A divorce, a layoff, a death in the family, a move, or a retirement date all arrive with financial decisions attached, usually on a timeline nobody chose. We have worked with families across the Cape through these moments since 1996, and we know which decisions have to be made first.
Who We ServeThose Facing Significant Financial Decisions
The people we work with come from different starting points, though most share a decision on the horizon that carries real financial weight.
Are you a High Net Worth Individual/ Family, Executive, or Professional Looking for a Coordinated Financial Strategy?
Learn more
How We WorkFee-Only Since 1996
We are fiduciaries, legally required to put your interest ahead of our own. We earn no commissions and sell no financial products, so our income comes entirely from fees paid to us directly. Alongside the transition work, we handle tax planning and preparation, investment management, estate coordination, and annual reviews for the families we work with.
40 + Years Tax Accounting Experience
30+ Years Serving Cape Cod
100% Fee-Only Fiduciary
Local KnowledgeAdvice That Aligns
with the Town You Live In
Nearly three decades of guiding families through what matters most.
Every town on the Cape sets its own property tax rate, and the spread between them adds up over a thirty-year retirement. Some run their own transfer station and some contract it out. Massachusetts taxes retirement income on different terms than the state you are leaving, and the difference surfaces the first April after the move. These questions come up in nearly every conversation with someone relocating here, and we have been answering them since 1996.
Our ProcessHow We Get Started
01Introductory Call
Fifteen minutes to hear what is happening and see whether we are a fit.
02Discovery Meeting
A closer look at your finances, your goals, and the details that shape the sequence of decisions ahead.
03Ongoing Partnership
Recommendations put into action, followed by annual reviews, ongoing attention and really fun client events.
Where to StartWhat Is Happening Right Now
Each situation below has its own tax treatment, its own sequence, and its own set of decisions that cannot wait. Pick the one closest to yours.
Divorce
How do we separate finances we spent twenty years building together?
Assets get divided once, and the version signed is the version lived with. A house, a pension, and a brokerage account carry three different tax consequences, and all three get settled in the same negotiation.
Loss of a Spouse
My husband died last month. What has to happen first?
A few deadlines are real and the rest are not, and separating the two is the first useful thing anyone can do. Very little has to be decided this week.
Job Separation or Layoff
My position was eliminated. How long does our money last?
Severance terms, a 401(k) with a decision attached, and health coverage that ends on a specific date all land in the same week. Which one gets handled first depends on numbers you likely have not run.
Retirement Readiness
Can we retire in three years, or is that wishful?
The answer comes out of your actual spending rather than a multiple of your salary. Running the real number takes about two meetings, and it tends to move the date in one direction or the other.
Aging Parents, Long-Term Care & Serious Illness
My mother needs care she cannot pay for on her own. What now?
Care costs land on two generations at once, and the decisions usually get made under time pressure by whichever sibling lives closest. Getting ahead of it changes what the options are.
Inheritance or Windfall
I inherited more than I expected. What am I supposed to do with it?
An inherited IRA comes with a withdrawal schedule. A taxable account comes with a cost basis nobody has told you yet. What arrives is rarely one thing, and each piece follows its own rules.
Relocating to Cape Cod
We are moving to the Cape. What changes?
Property tax rates vary by town, Massachusetts treats retirement income differently than the state you are leaving, and residency has a legal definition worth getting right in your first year here.
Business Exit
I have an offer for the business. What will actually be left?
How the sale is structured determines how much of the price you keep, and that gets decided months before closing. Once the wire clears, the proceeds become a portfolio question you have never had to answer before.
Career Change
I want work that pays less and matters more. Can we afford it?
Trading income for something you would rather be doing is a math problem before it is anything else. The question is which years absorb the cut and what it costs at the far end.
Early Career
I am thirty-four with a good income and no plan. Where should this money be going?
Decisions made in your thirties compound longer than any others you will make. Getting the order right between debt, retirement accounts, and taxable savings matters more than which funds you pick.
Marriage or Remarriage
We're getting married. What actually needs to change?
Beneficiaries, account titling, and estate documents do not update themselves, and one overlooked form can undo the rest of the plan. For a second marriage, that list gets longer, not shorter.
Starting and Raising a Family
We had a baby and haven't touched our own retirement savings since. Where do we start?
A 529 is optional. Your own retirement contributions are not, and getting the order right matters more than how much goes into either one. Guardianship and beneficiary updates take one afternoon — start there.
Ready To Get Started?Let's Start With a Conversation
A fifteen minute call is enough to see if we're the right fit for your situation. Introductory calls scheduled every Tuesdays and Thursdays.
"Because living life well is the ultimate reward."Cambridge Cape Cod Advisors
who we areThree Decades on Cape Cod
A small firm built for deep client relationships.
Cambridge Cape Cod Advisors has worked with families across the region since 1996, operating as a fee-only, fiduciary team with no products to sell. Get to know how that structure shapes every recommendation we make.
Contact UsLet's Start With
a Conversation
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A 15-minute call is the best place to start.
Fifteen minutes is enough to know whether we are the right fit. Reach out and we will find a time.