Joel E. Fay

CAMBRIDGE FINANCIAL ADVISORS

Lexington, KY

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CRD#: 7444923

Professional summary

Joel E. Fay is a registered financial advisor currently at CAMBRIDGE FINANCIAL ADVISORS, LLC located in Lexington, Kentucky.

Joel is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2021. Joel has worked at 1 firm and has passed the Series 65 exam.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

Christ Church Cathedral Episcopal Church The business (church) is not investment related, but my role is. 166 Market Street, Lexington, KY 40507 Church - spiritual community Position - Endowment Sub-Committee Member Relationship - Volunteer Started - December 2022 less than 0.5 hours/month activity. Zero hours during securities trading hours. Duties - I serve on an endowment sub-committee for my church. The sub-committee assists the vestry (board) in monitoring investment performance reports provided by the Fund Manager. The sub-committee is advisory to the vestry and has no decision authority.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joel E. Fay's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

September 24, 2021 - Present

CAMBRIDGE FINANCIAL ADVISORS, LLC

RIA

CRD#: 118314

Lexington, KY

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Colorado
(9/24/2021)

IAR

Florida
(6/5/2025)

IAR

Kentucky
(3/24/2022)

IAR

Ohio
(9/24/2021)

IAR

Texas
(9/24/2021)

IAR

Wisconsin
(9/24/2021)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 9/17/2021

Uniform Investment Adviser Law Examination

Current Firm

CAMBRIDGE FINANCIAL ADVISORS, LLC

CRD#: 118314 / SEC#: 801-129597

RIA

Registered Investment Advisory firm - (10/31/2024 Terminated)

Colorado

Registered Investment Advisory firm - (9/27/2024 Approved)

Florida

Registered Investment Advisory firm - (5/29/2025 Approved)

Kentucky

Registered Investment Advisory firm - (10/21/2024 Approved)

Ohio

Registered Investment Advisory firm - (8/19/2024 Approved)

Texas

Registered Investment Advisory firm - (10/7/2024 Conditional Restricted)

Wisconsin

Registered Investment Advisory firm - (10/10/2024 Approved)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

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Contact information

Main Address

339 E Highway 50 Suite 104, Salida, CO 81201

Mailing Address

Phone number

(719) 539-1040

Established

Firm type

Fiscal year end

# of Employees

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Joel E. Fay

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joel E. Fay's CRS (Customer Relationship Summary).

Certified licenses

Experience

CAMBRIDGE FINANCIAL ADVISORS, LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 9/17/2021

Current Firm

CAMBRIDGE FINANCIAL ADVISORS, LLC

Contact information

Documents

Red Flags

Company Information

CAMBRIDGE FINANCIAL ADVISORS, LLC

TRUST BUT VERIFY

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