# Joel Fay

> Joel Fay is a fee-only financial advisor at Cambridge Financial Advisors in Salida, Colorado, who holds the ChFC credential. Cambridge Financial Advisors reports charging fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/joel-fay/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Cambridge Financial Advisors
- **Based in:** Salida, Colorado
- **Fee model (firm's Form ADV):** Fixed fees
- **Credentials:** ChFC
- **CRD:** 7444923 (https://adviserinfo.sec.gov/individual/summary/7444923)
- **SEC registration:** Investment adviser representative in CO, FL, KY, OH, TX, WI
- **Exams passed:** Series 65 (2021)
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** http://www.cambridgefinancialadvisors.com

## Frequently asked questions

### Is Joel Fay a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Joel holds no broker registration, and Cambridge Financial Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Joel charge for financial advice?

Joel's firm, Cambridge Financial Advisors, reports charging fixed fees on its SEC Form ADV.

### Where is Joel Fay based?

Joel Fay is based in Salida, Colorado.

### What credentials does Joel Fay hold?

Joel Fay holds the ChFC credential.

### Is Joel Fay registered with the SEC?

Yes. Joel Fay is registered as an investment adviser representative in CO, FL, KY, OH, TX and WI (CRD 7444923), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How do I contact Joel Fay?

Through Joel's website, www.cambridgefinancialadvisors.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7444923): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.