Our Services

Through our association with Cambridge Investment Research Advisors, Inc., Perry L. Smith Consulting has many financial managements platforms and services. Cambridge Investment  Research, Inc., a registered Broker/Dealer, can make available a wide selection of investment services and products, including investment advisory services, stock and bond brokerage, mutual funds, ETF's (Exchange Traded Funds), variable annunities, variable life insurance and unit investment trusts.

Because of the diverse range of investments and services offered by Cambridge Investment Research, Inc., a wide variety of client needs can be analyzed and accommodated. These needs include client investments for personal accounts, qualified plans, non-qualified plans, individual retirement accounts, methods for qualified plan distributions, and asset as well as estate planning.

Headquartered in Fairfield, Iowa, Cambridge Investment Research, Inc. is a member of the Financial Industry Regulatory Authority, Inc. (FINRA) and the Securities Investors Protection Corporation (SIPC), and is a Registered Investment Advisor with the Securities and Exchange Commission.

Brokerage Services are available through a clearing arrangment with the Pershing a division of the Bank of New York, a leading company providing correspondent brokerage services to the world's financial community.

Investment Advisory Services
Investment advisory services and fee based asset management is one of the fastest growing segments of the financial services industry today. Perry L. Smith Consulting offers you the added value of "managing investment risk and performance expectations" through consultant services, which are provided on an ongoing basis.

Investment advisory services offered by Perry L. Smith Consulting and affiliated companies include but are not limited to: Investment Management Accounts, Asset Allocation Services, and Financial Planning - Investment Advisory Services .

Investment Management Accounts :
Mutual funds managed by private money managers and individual professional private money management accounts are packaged into a comprehensive investment program which offers asset allocation, manager search and selection, performance reporting, custodial and transaction services for an all inclusive periodic fee.

Investment management accounts that use mutual funds pool your assets with those of other mutual fund shareholders. Accounts managed by a professional private money manager are kept separate from the money managers' other accounts. The investment advisor assists you in the active management of your account in accordance with your risk tolerance, investment time horizon, and cash flow needs.

Investment advisory accounts typically have investment minimums that range from $50,000 - $150,000 for mututal fund accounts and $25,000 - $250,000 for investment advisory accounts managed by professional private money managers.

Asset Allocation Services
I, as the financial advisor, can assist you in diversifying your portfolio across a broad spectrum of asset categories. Asset Allocation services take into consideration your investment objectives and constraints, and attempt to help increase returns while seeking to reduce exposure to risk.

Specific investment advisory programs offered by Cambridge Investment Research, Inc. include but are not limited to the following programs:

  • Lockwood Advisors Inc.
  • American Guaranty & Trust Company Capital mangement Service
  • Brinker Capital-Core Program
  • Brinker Capital-Destinations
  • Pershing-PEAK I
  • Pershing-PEAK II
  • SEI Asset Allocation Program
  • The Manager's Funds
Financial Planning - Investment Advisory Services:
I can advise and provide financial services responsive to individual and business situations for a fee. I can also assist in formulating goals and objectives and following through with strategies and services such as:
  • Individual Financial Planning
  • Insurance Benefit Planning
  • Retirement Planning
  • College Planning
  • Pension Design and Planning
  • Estate Planning
  • Tax Analysis and Planning
More Services.....

Brokerage clients can also enjoy:
  • Easy to read consolidated statements, monthly or quarterly depending on account activity.
  • Automatic sweep of idle cash into a choice of money market funds (checkwriting optional)
  • Automatic collection of dividend and interest payments paid directly into the account.
  • Optional margin borrowing.
  • A helpful year-end tax report, summarizing investment transactions, income, and margin interest payments.

With Cambridge Investment Research, Inc.'s cash management account, ProCash Plus -you will also benefit from:

  • Combined features of a brokerage, checking and debit-card account.
  • Unlimited check writing privileges with no minimum check amount.
  • Optional direct deposit of your paycheck, pension check, or government check.
  • Optional bill payment service that streamlines your payments and saves you time.
  • Access to over 10 million MasterCard debit card locations inlcuding 185,000 ATMs worldwide.
The Securities Investors Protection Corporation (SIPC) protects securities in each customer account up to $500,000, including up to $100,000 in cash. This account protection applies only in the event of Cambridge Investment Research, Inc. or Pershing* experience a financial failure. This coverage does not protect against losses in your account as a result of changes in market conditions. Pershing also provides additional coverage, through a private insurer, with no maximum per account. Pershing's additional coverage also applies only in the event Pershing experiences a financial failure.

* An arrangement with the Pershing, a division of The Bank of New York, permits Cambridge Investment Research, Inc. to act as an introducing broker/dealer, offering competitive securities brokerage. This relationship gives Cambridge Investment Research, Inc. representatives and you direct access to the financial markets.

Our Products

Mutual Funds offer diversification and the expertise of professional management. In addition, because your money is pooled with other investors, mututal funds give you access to opportunities that may have been beyond your reach if you made direct investments on your own.
We also offer stock, bond, ETF's (Exchange Traded Funds), and money market funds that are suitable for a broad range of client investment objectives. These include: balanced funds, growth funds, international funds, government bond funds, high yield bond funds, municipal bond funds, sector funds and asset allocation funds.

Variable Annuities are insurance products that make it possible for you to invest in a variety of stock, bond, and fixed rate investment options. With variable annuities you pay no tax on the earnings in your account until you withdraw your money.

Variable Life Insurance is a type of insurance policy that provides the protection and tax advantage of life insurance and the growth potential of equity investments. Your policty account value can be invested among a variety of separate accounts and a guaranteed account. Depending upon the investment performance of your chosen separate accounts, your policy account value and death benefit may increase significantly. Earnings on your policy account value accumulate on a tax deferred basis, and withdrawals up to your tax basis and loans taken from your policy account value are not taxed. In addition, beneficiaries usually receive death benefits tax-free.

Unit Investment Trusts (UITs) are investment companies that purchase fixed portfolios of income producting securities such as corporate, municpal or government bonds, mortgaged backed securities and preferred stocks. UITs offered through Cambridge Investment Research, Inc. are distributed by John Nuveen and Co., Van Kampen Merritt, Inc., Kemper Securities, Inc., and a construction of major wirehouse sponsors, including Merrill Lynch, Prudential Securities, and Bear Stearns Company.

Mutual funds, variable annuities and unit investment trusts are made available through selling agreements with over 100 well-known financial institutions.