Cambridge Capital Management provides financial planning, portfolio management for individuals and small businesses, pension consulting, education planning, estate planning, and tax planning. Financial planning was provided to 1–10 clients last fiscal year.
Cambridge Capital Management reports 346 clients. They include 227 individual clients, 112 high-net-worth individuals, and 4 pension and profit-sharing plans. Of its assets, 92.1% ($422M across 961 accounts) are managed with discretion; $36M across 23 accounts are not. It advised 5 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 66% | 17% |
| High-net-worth individuals | 32% | 77% |
| Pension and profit-sharing plans | 1% | 5% |
| Charitable organizations | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 227 | $76.3M | 16.7% | $336K |
| High-net-worth individuals | 112 | $353M | 77.1% | $3.15M |
| Pension and profit-sharing plans | Fewer than 5 | $24.4M | 5.3% | $6.1M |
| Charitable organizations | Fewer than 5 | $4.14M | 0.9% | $1.38M |
| Total | 346 | $458M | 100% | — |
- Clients
- 227
- Regulatory AUM
- $76.3M
- AUM share
- 16.7%
- Avg. per client
- $336K
- Clients
- 112
- Regulatory AUM
- $353M
- AUM share
- 77.1%
- Avg. per client
- $3.15M
- Clients
- Fewer than 5
- Regulatory AUM
- $24.4M
- AUM share
- 5.3%
- Avg. per client
- $6.1M
- Clients
- Fewer than 5
- Regulatory AUM
- $4.14M
- AUM share
- 0.9%
- Avg. per client
- $1.38M
Total
- Clients
- 346
- Regulatory AUM
- $458M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 5
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Cambridge Capital Management charges 0.40%–1.25% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$250K | 1.25% |
| $250K–$750K | 1.00% |
| $750K–$2M | 0.75% |
| $2M–$7.5M | 0.50% |
| $7.5M and above | 0.40% |
Fee details and sources
Other fees
- Financial Planning and Consulting
- Financial planning is charged a flat fee set by the complexity of the project and stated in the client agreement.
- Retirement Plan Consulting
- Retirement plan consulting is a percentage of total plan assets, negotiable, and in most cases not expected to exceed 1.00%.
Nathaniel Klitzing owns 75% or more of Cambridge Capital Management. The leadership team of Cambridge Capital Management includes Chief Compliance Officer Nathaniel Klitzing. It has 5 employees, 4 of them in advisory roles.
Leadership
- Nathaniel KlitzingManaging Member and Chief Compliance Officer
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
Staff
- 5 employees
- 4 in advisory functions
- 4 state-registered reps
- Owns 75% or more of Cambridge Capital Management, LLC
Nathaniel Klitzing
Control person · since January 2011
Cambridge Capital Management’s regulatory assets grew 1.9× from $244M (March 2021) to $458M (February 2026); clients were 346 in both filings and employees were 5 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $458M | 346 | 5 | 2 |
| February 2025 | $385M | 348 | 5 | 2 |
| February 2024 | $325M | 344 | 5 | 2 |
| March 2023 | $270M | 348 | 5 | 2 |
| February 2022 | $295M | 345 | 5 | 2 |
| March 2021 | $244M | 337 | 5 | 2 |
Besides its headquarters, Cambridge Capital Management has 1 office, with 2 listed addresses in Illinois and Missouri.
Illinois · 1 listed address
- 781 Sunset BLVD, Suite 100, O'FallonHQ
Missouri · 1 listed address
- 7110 Oakland Ave, St. Louis
Contact and registration details
- Legal name
- Cambridge Capital Management, LLC
- Headquarters
- 781 Sunset BLVD, Suite 100, O'Fallon, IL 62269
- Website
- camcapmgt.com
- Phone
- 618-206-3262
- SEC file
- 801-80162
- Founded
- 1999
- Structure
- Illinois LLC
- Fiscal year end
- December
Cambridge Capital Management uses Charles Schwab ($420M) as custodian for its separately managed accounts. Cambridge Capital Management has custody of $88.8M in client assets for 103 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $420M100%
At year end, Cambridge Capital Management’s separately managed accounts were mostly in funds (97%). Its reported 13F holdings for the quarter ended 30 June 2026 total $263M across 47 positions; the largest are Vanguard Index Fds (15.1%), Vanguard Index Fds (13.3%) and iShares TR (10.1%).
What the accounts hold
- Stocks1%
- Funds97%
- Bonds1%
- Cash1%
Reported 13F holdings
- $263M
- Reported 13F value
- 47
- Positions
- 79.5%
- In the 10 largest
- +13.3%
- Value vs. prior quarter
- Vanguard Index Fds · Value ETF15.1%
- Vanguard Index Fds · Growth ETF13.3%
- iShares TR · Core S&P Scp ETF10.1%
- Dimensional ETF Trust · Intl Core Equity8.1%
- Vanguard Tax-managed Fds · Van FTSE Dev Mkt7.7%
- Vanguard Index Fds · Real Estate ETF7.0%
- Vanguard BD Index Fds · Intermed Term6.7%
- Vanguard Index Fds · S&P 500 ETF Shs5.0%
- Dimensional ETF Trust · Shor Dur Fix ETF3.6%
- Schwab Strategic TR · US Tips ETF3.1%
Together, the ten largest are 79.5% of reported value.
How many clients does Cambridge Capital Management have?
Cambridge Capital Management has 346 clients and manages $458 million for them, as of February 2026. They include 227 individual clients, 112 high-net-worth individuals, and 4 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 18 February 2026
What services does Cambridge Capital Management offer?
Cambridge Capital Management provides financial planning, portfolio management for individuals and small businesses, pension consulting, education planning, estate planning, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Cambridge Capital Management charge?
Cambridge Capital Management charges 0.40%–1.25% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.
Source: CCM ADV PART 2A ANNUAL AMENDMENT V.02.12.26, filed 18 February 2026
Which custodians does Cambridge Capital Management use?
Cambridge Capital Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $420M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 18 February 2026
How many financial advisors does Cambridge Capital Management have?
Cambridge Capital Management has 4 investment adviser representatives registered with state securities authorities, out of 5 employees, and 4 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Cambridge Capital Management invest in?
At the end of its last fiscal year, Cambridge Capital Management’s separately managed accounts held 97% registered funds (mutual funds, ETFs, BDCs), 1% exchange-traded equities, 1% state and local bonds and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Cambridge Capital Management?
Cambridge Capital Management’s direct owner is Nathaniel Klitzing (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 18 February 2026
How does Cambridge Capital Management get paid?
Cambridge Capital Management is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Cambridge Capital Management registered with the SEC?
Yes, Cambridge Capital Management has been registered with the SEC as an investment adviser since 25 August 2014. Its CRD number is 110932 and its SEC file number is 801-80162.
Source: Form ADV Part 1A, Item 1, filed 18 February 2026; IAPD firm record
How do I contact Cambridge Capital Management?
Cambridge Capital Management’s main office is at 781 Sunset BLVD, Suite 100, O'Fallon, IL 62269. Its phone number is 618-206-3262. Its website is camcapmgt.com.