Seven services, built around the pension family journey.
Camba Capital is a New York registered investment adviser, CRD# 343145. The services described below are offered under a written engagement agreement.
Every engagement starts with a conversation, not a product. Camba Capital operates as a fiduciary paid only by clients, never by fund companies, insurance carriers, or product sponsors. The seven services follow the real arc of a Long Island public-sector or hospital-system household: pension election analysis, retirement transition, retirement income, and the ongoing household planning that keeps everything coordinated for the next thirty years.
This is the decision Camba is built around. NYSTRS, NYCTRS, PFRS, NYSLRS, NYCERS, NYC Police and FDNY Pension Funds, LIRR, MTA, Northwell, Stony Brook Medicine, NYU Langone. Long Island pension packets hand households a one-time decision with permanent consequences. Maximum Allowance versus Option 1 versus 100% / 75% / 50% Joint-and-Survivor versus Pop-up versus 5- or 10-Year Certain. Camba walks every option on paper, present value of each income stream, survivor protection, Social Security coordination under current law, and the real tax picture, with no product pitch at the end.
Side-by-side present-value modeling of every available option election
Single life versus joint-and-survivor election (and the survivor math)
Lump sum versus annuity where the system allows it
Pension start-date timing, COLA, and break-even modeling
Social Security re-runs for households whose prior plan still assumes WEP / GPO reductions
Coordination with a spouse's pension or Social Security claiming strategy
Notary services included for the joint-and-survivor paperwork
The year before and the year after retirement is where most of the avoidable mistakes live. Rollover timing, 403(b) and 457(b) decisions, NYCTRS TDA rollout questions, deferred compensation elections, the first year of drawdown, Medicare enrollment timing, and whether to delay Social Security. Once engaged by a client, rollover and pension decisions are reviewed under the fiduciary standard applicable to investment advisers, with the actual numbers from the actual statements on the table.
Rollover decision analysis. Stay, move, or consolidate
403(b) / 457(b) / TDA coordination with the pension election
Tax-aware transition plan for the first five years of retirement
Clean handoff from legacy record-keepers to an independent SIPC-member custodian
Medicare enrollment and IRMAA-bracket awareness for the first year
Once the pension is elected and Social Security is claimed, the remaining question is how the investable portfolio supports those income streams over a thirty- or forty-year retirement. Camba builds and maintains the portfolio around the pension floor, not around a generic age-based glide path, with tax-aware drawdown, Roth conversion planning in the low-income years, and sequence-of-returns discipline. Client assets are held by an independent SIPC-member custodian. Camba does not take possession of client funds.
Sustainable withdrawal modeling across pension, Social Security, and investable assets
Sequence-of-returns risk and cash-reserve planning
Roth conversion sequencing in the low-income years before RMDs
Asset location across Roth, traditional IRA, and taxable accounts
Tax-aware rebalancing, lot selection, and loss harvesting by default
Service 04
Ongoing Household Planning
The work between formal reviews. Annual plan refresh, tax coordination with the household's CPA, estate document review with counsel, insurance audit, beneficiary reconciliation across every account, and direct phone access between meetings for the decisions that can't wait for a calendar invite. Available as part of an AUM relationship or under the Household CFO flat retainer.
Annual plan refresh and goal re-mapping
Tax coordination with the household's CPA. Roth conversion timing, estimated payments, realized-gain budgets
Estate and beneficiary review in coordination with counsel
Direct phone access to the founder between meetings
Service 05
Fee & Cost Analysis
Most investors have no idea what they are actually paying. Between advisory fees, fund expense ratios, platform fees, 12b-1 trails, and trading costs, the true total can be two to three times the headline number. Camba provides a clear, line-by-line accounting of what a household is paying today and what a fiduciary relationship paid only by clients would cost instead.
Line-by-line breakdown of current total cost of ownership
Fund expense ratio and share-class review
Advisory fee and platform fee transparency
Apples-to-apples comparison against a no-commission, fiduciary structure
Service 06
Existing-Product Audit
Send your existing retirement-account statements, life and long-term-care policies, annuity contracts, and pension paperwork. Camba sends back a written analysis of what each contract actually does, what it costs over its lifetime, and whether you need more, less, or different, with no recommendation to buy anything from the firm, ever. Daniel Zimon holds NY Life & Health and NY Real Estate licenses, used for analysis and never for sales. His Series 7 lets him read fund prospectuses and structured-product term sheets at the level of the people who write them. The audit comes with the engagement.
Line-by-line reading of variable-annuity contracts, life and LTC policies, and pension option illustrations
Total-cost-of-ownership accounting for the existing portfolio. Fund expense ratios, layered platform fees, advisory fees, surrender charges, mortality and expense charges
Coverage-gap analysis on insurance. Too much, too little, or the wrong product type for the household
Written recommendation: keep / replace via a low-load or commission-free specialist / drop, with no commission to Camba in any direction
Held under fiduciary duty (Series 66). Documented in writing.
Some of the most consequential retirement decisions sit outside the four walls of investment advice. A tax-aware Roth conversion strategy, a properly drafted trust, a long-term-care insurance review, the right attorney for a co-op transfer or downsizing closing. Camba is not a CPA, an estate attorney, or an insurance broker, and the firm refuses to pretend otherwise. Instead, the firm coordinates with a small, vetted network of Long Island professionals so the household gets the right specialist for the right question, without a referral fee, a kickback, or a commission structure tilting the recommendation. Daniel Zimon's NY Life & Health and NY Real Estate licenses serve a complementary purpose: to read the specialists' work product at the level of the professionals who write it, so the household gets a fiduciary translation of what the closing documents, the policy illustrations, or the trust draft actually do, not just a referral. For tax optimization, the firm will coordinate with the household's CPA or, where one is needed, an independent tax specialist sourced from the network.
Tax planning. Coordination with the household's CPA on multi-year Roth conversion ladders, capital gains planning, and required minimum distribution timing; for households with complex or concentrated positions, an independent tax specialist is brought into the planning conversation
Estate planning. Referrals to local trust and estates attorneys for wills, revocable trusts, healthcare proxies, and beneficiary designations
Insurance. Independent review of life, disability, and long-term-care coverage with referrals to low-load or commission-free specialists
Real estate. Referrals to LI real estate counsel and attorneys for downsizing, co-op transfers, and 1031 exchanges (NY Real Estate license held in-house)
No referral fees, no revenue sharing, no kickbacks. The firm is paid only by clients
Fee schedule
Plain-English, no-commission pricing.
The fee schedule below is how Camba Capital charges. Fees are agreed in writing in the engagement agreement before any work begins. The firm is compensated only by clients. No commissions, no product revenue, no platform kickbacks.
Tier 1
0.90%
Annual fee on the first $500,000 of assets under management.
Tier 2
0.80%
Annual fee on assets from $500,000 to $1,500,000.
Tier 3
0.70%
Annual fee on all assets above $1,500,000.
In plain dollars
What this actually costs at typical portfolio sizes.
The rates above blend across your balance, so the effective rate drops as assets grow. A quick, honest look at what that means for real households:
Portfolio size
Estimated annual fee
Billed each quarter
$250,000
≈ $2,250 / year
≈ $563 / quarter
$500,000
≈ $4,500 / year
≈ $1,125 / quarter
$1,000,000
≈ $8,500 / year
≈ $2,125 / quarter
$2,000,000
≈ $16,000 / year
≈ $4,000 / quarter
Illustrative only. Actual fees depend on the specific assets under management on the day the quarter is calculated.
How billing works
Each quarter, Camba Capital calculates the fee on the account value on the last business day of the quarter. The fee is then debited directly from the custody account. You never write a check, and the management fee is billed after the quarter it covers, not before.
How this compares
Many small-firm wealth advisors charge 1.00% to 1.25% for households of this size. Camba's published standard schedule starts at 0.90% and steps down as assets grow, and the flat-fee planning engagements have no asset minimum at all. Either way, the household-level planning, tax-aware implementation, and direct founder access on the process page come with the engagement.
No account minimum. Engagements are evaluated on fit, not size. Standalone financial planning engagements are available on a flat-fee or hourly basis. Scope and pricing agreed in writing before any work begins.
How Camba meets
Camba comes to you.
No office visit required. Camba Capital meets clients at the kitchen table, the workplace, or over Zoom. Wherever the conversation about money is easiest. Serving all of Long Island, Nassau and Suffolk Counties, from Garden City and Mineola in the west, through Hicksville, Plainview, Syosset, and Huntington, out to Smithtown, Commack, Stony Brook, and Port Jefferson in the east.
Notary services are included at every in-person meeting at no additional cost. Most paperwork that requires a notary stamp, beneficiary updates, IRA rollover forms, account transfers, joint-and-survivor elections, can be handled at the kitchen table instead of a trip to the bank.
Next step
A thirty-minute call is how most households decide if Camba Capital is a fit.
No cost, no obligation, no sales pitch. A conversation about where you are, where you want to be in ten years, and whether the firm is the right partner for the work in between.