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The Cambridge System

The Cambridge System™ is a revolutionary approach to financial planning. The brainchild of Bert Whitehead, MBA, JD, it rejects the traditional approach to financial planning (including the financial plan document and asset allocation models developed for institutional investors) and instead places emphasis on the needs, including taxes and personal real estate, of real people. The Cambridge System™ uses innovative tools and decision-making rules that are much different than the standard process taught in the Certified Financial Planning (CFP) training programs. The methodology is practiced by 160 CFPs across the US, with thousands of clients in one-on-one, interactive relationships. The Cambridge System™ advocates fiduciary advice on a fee-only basis.

More specifically, the Cambridge System™ analyzes the core beliefs and financial dysfunctions of investors that may be impede them from achieving financial peace of mind. The system also supports the belief that investors must base their financial decisions on endogenous factors (e.g., our stage of life, occupation, marital status) rather than on the exogenous factors (e.g., world affairs, interest rates) that are typically pushed by “financial experts” in the media.

Functional Asset Allocation (FAA) is used in the Cambridge System™ rather than the more widely used modern portfolio theory. In contrast to modern portfolio theory, FAA incorporates holistic fee-only financial planning for the vast majority of investors who must work for a living and accumulate and invest sufficient capital to fund retirement.

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