Cambridge Investment Research, Inc.

There are many different components and business entities within the financial industry. Sometimes, the different relationships between these entities can be confusing. People Make the Difference is a Registered Investment Adviser. This means that we are registered with the Securities and Exchange Commission (SEC) and state securities agencies to receive compensation for investment advice.

This fee could be as a percentage of a client’s assets, a fixed cost, or an hourly rate.

In order to provide a more complete service to our clients, we have also partnered with a broker-dealer.

Broker-dealers are registered with the Financial Industry Regulatory Authority (FINRA) and process our commission business generated from the sale or purchase of securities (i.e. a stock or bond). Broker-dealers help financial professionals adhere to FINRA rules and oversee independent financial firms such as ours.

People Make the Difference chose Cambridge Investment Research, Inc. (Cambridge) as our broker-dealer. As independent entities, both Cambridge and our office work solely in your best interest to deliver quality financial advice and a wide footprint of investment products.

Among the most respected independent broker-dealers in the industry, Cambridge is a destination of choice for financial professionals that need the freedom to run their business, their way. They empower us to provide the best service possible while remaining objective in the evaluation of your long-term financial needs. With Cambridge, we create a true alliance of independents.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Investment advisory services offered through People Make the Difference, a Registered Investment Advisor. People Make the Difference and Cambridge are not affiliated. We are able to conduct a limited amount of advisory business in additional states as permitted by various de minimis exemptions. This communication is strictly intended for individuals residing in the states of AL, CO, FL, and GA. No offers may be made or accepted from any resident outside the specific states referenced. The information being provided is strictly as a courtesy. When you link to any of these websites provided herein, PMD Advisory makes no representation as to the completeness or accuracy of information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information, and programs made available through this site. People Make the Difference, also doing business as PMD Advisory.

Cambridge’s Form CRS (Customer Relationship Summary)
PMD's Form CRS

PMD Advisory

2032 Shady Crest Drive | Vestavia Hills, AL 35216

205-986-0060 | jmccormick@pmdadvisory.com

PMD Advisory