Form CRS Supplement.pdf

Cambridge Investment Research, Inc. and Cambridge Investment Research Advisors, Inc. provide investment services and advice through registered representatives and investment advisor representatives. Registered representatives offer recommendations for security transactions, but clients must approve each transaction. Investment advisor representatives provide ongoing investment advice and can execute trades with discretionary authority. Both types of representatives are obligated to act in the client's best interest and disclose conflicts of interest. Fees and compensation vary, with registered representatives receiving commissions and investment advisor representatives receiving fees based on the advisory agreement. Financial Professionals must adhere to fiduciary responsibility and consumer protection standards, particularly when providing investment advice for retirement plan accounts or individual retirement accounts. Licensing and qualification restrictions apply to the services and products Financial Professionals can offer, based on exams passed, designations maintained, and state securities laws.