Our company is "Cambria Investment Management." We're proud to offer many investing products and services to meet the varying needs of our clients, which include individual investors, institutions, and registered investment advisors. Our "Cambria Digital Advisor" service is our managed investment account service for individual investors. Click here to lean more about a Cambria Digital Advisor account.
As a fiduciary, Cambria's major concern is "how do we best serve our clients?" While we believe our investing approach is the best market strategy for serving our clients, we partnered with Betterment as we believe their operational and technological platforms make trading, rebalancing, and tax loss harvesting simple and efficient. Furthermore, we believe Betterment’s intuitive, beautiful client [...]
The asset management business is a $30 trillion+ industry, and most of the low-cost automated investment solutions (such as Betterment) are far better than other options on the market today because of their much lower fees. For instance, many mutual funds and advisors still charge over 2% a year. While our investing philosophy is different than [...]
Sure. Email Betterment support at support@Betterment.com to get the process started. Since you will not be going through the normal onboarding process, we will send you the Cambria client agreements, ADV Part 2A, and Privacy Policy - no signature needed, just an email confirm that you received them.
If your assets with Betterment are held in a taxable account, then yes.
No. However, we are currently working with Envestnet to offer our Trinity portfolios to advisors on its platform. We expect this offering to be available sometime in Q1 2017, and will send out an announcement when it is available. Please keep in mind, you can always replicate the six Trinity allocations in your own practice. We publish the underlying assets found [...]
Cambria charges a 0% management fee on all personal investment accounts. The client pays a 15 basis points (0.15%) platform fee which passes through to our technology partner, Betterment. The client will pay no commission on trades, no fees on tax loss harvesting, and no rebalancing fees. The total fee paid by client is 0.15% plus the [...]
We construct our six Trinity portfolios with what we believe are the best ETFs in the market. Some of these ETFs come from respected providers such as Vanguard, while others are our own (Cambria's). Whether from Cambria or an outside provider, these ETFs have related expense ratios. Therefore, Cambria generates revenues from the underlying expense [...]
To open an account, we require an initial account balance of $100,000.
Yes. The $100,000 minimum is an aggregate amount. You can open accounts with smaller balances as long as your total investment with Cambria across all your accounts totals a minimum of $100,000.