If you know your why, we'll find your how.

You’re in a phase of uncertainty and transition. You’re not sure of the next step you should take, and you certainly can’t afford to make a mistake.

Let us guide you.

We make sure that we intimately understand your long-term goals and short-term needs; then we prepare a plan that will work for you.

There isn’t a one-plan-fits-all. Let us work with you on the best approach for your situation and help you implement.

Can I retire?

Can I send my children to college?

Are my investments working for me?

Let's get your questions answered

Our Services

Ongoing Advisory Services

At Cairn we like to partner. All ongoing services include a comprehensive plan and ongoing access to your advisor.

As life evolves with work and life changes, so too does your financial life and concerns.  At Cairn we like to partner with our clients to guide them through their financial opportunities and challenges. Ongoing services start at $3000/year (paid monthly or quarterly) and are based on the complexity of your situation.  All ongoing services include a full financial plan and access to your advisor throughout the year as questions and situations arise.

Ongoing services are structured in two ways:

blank
Wealth Planning investment advice and financial plan
Wealth Planning includes investment advice and financial planning for one fee. In this traditional model option, Cairn designs a diversified portfolio for you based on your timeline and risk profile. Your investments are held at T.D. Ameritrade (our preferred custodian).  We also provide ongoing planning services throughout the year in addition to the monitoring and management of the portfolio (see areas covered below).  You pay for this service on a quarterly basis, from your investment accounts; fees start at 1% of the assets under management and the percentage decreases after you reach $1 million. This works best if you have at least $300,000 to invest.
blank
Monthly subscription
(Minimum 12 month term).

This option works well for clients that may not need or desire management and administration of their investment portfolio, (for example, most of your investments are in a work retirement plan).  You will get portfolio recommendations and check-in meetings, but you will be responsible for the implementation of the strategies we discuss. This service allows you to have ongoing advice and access to a trusted advisor, without having to move your assets or if you are just starting to invest and accumulate. You pay for this service via a monthly or quarterly subscription planning fee. Fees start at $250 month, or higher based on complexity.

blank
What's included in the financial plan?
All ongoing services include comprehensive financial planning.  Addressing the key areas in your life. Your financial plan may include:

  • Determine your Net Worth as a starting point to track progress
  • Review spending plan
  • Establish an Emergency Fund
  • Insurance review to ensure adequate coverage for life, disability, home, auto and umbrella
  • Review your employee benefits (including retirement, medical, insurance, etc) and make sure you optimizing what is available
  • Make sure you are on track for your financial goals such as vacations, college, new home, big purchases.
  • Review estate and health care directives are in place to protect your family
  • Review your student loans (and any other loans!) to find options and strategies to reduce interest rates, pay them off early and/or receive loan forgiveness.
  • Recommend asset allocation for your investing strategy to meet your risk comfort level and meet your goals.
  • Recommend specific investments where needed, particularly within your accounts to help meet your 401(k) plan to improve overall efficiency of your portfolio and keep fees low.
  • Work together to create a retirement plan, examining variables such as retirement timing and the asset allocation and their impact on your retirement
  • Complete a Social Security maximization report to help you decide your best options for claiming.
  • Compare your pension options to determine your best claiming strategy.
  • Review your required minimum distribution timeline to avoid mistakes and penalties
  • Tax Planning Strategies
  • Model some unexpected events to help plan and mitigate

One Time Packages

If you are not quite ready for ongoing planning, consider trying our one-time planning packages listed below.

Family Financial Planning - $2500
Are you juggling mortgage payments, college savings, retirement, as well as wanting to enjoy life? This option will cover a holistic view of your financial picture and make the balancing act a little more manageable. Based on your family’s needs, we may cover: cash flow and budget analysis, debt reduction planning, savings progress, retirement planning with multiple “what-if” scenarios, home purchase or remodeling, college funding game plan, investment analysis, insurance audit, estate planning, employee benefit(s) review, and other lifestyle priorities.
Retirement Roadmap - $2900
Are you preparing for your retirement? Are you not sure that you’re ready and you’re afraid to leave the work force? We will review your long-term assets to optimize for your desired retirement lifestyle. Topics will include: retirement planning with many “what-if” scenarios, social security benefit review and claiming options, pension distribution, investment income analysis, medicare and health insurance, Required Minimum Distribution (RMDs) strategy, as well as other investment, estate, and tax planning strategy. We will also discuss long-term care needs. 
Back on Track - $2000
Have you recently experienced a divorce, job transition or loss of a loved one? We understand how difficult and stressful these times can be. With this plan, together we will create a course of action to put you back on track and meet your goals. Areas covered may include: financial information organization, cash flow and budget analysis, debt reduction, savings and bill payment automation, employee benefit optimization, savings target evaluation, retirement planning with several “what-if” scenarios, college funding projections, investment analysis, insurance audit, estate planning, and employee benefit(s) review.
Investment Portfolio Review - $600
Do you have everything in order (cash-flow, insurance, tax, and estate planning)? This option is right for you if you simply want a second opinion about your investment accounts. We will confirm that your investments are allocated properly based on your goals, timeline and risk tolerance. This package includes: comprehensive investment account review, goal-related timeline strategy, asset allocation recommendations, risk tolerance assessment, and rebalancing recommendations based on our thorough analysis. 

Discover your financial path today.

We’ll be happy to discuss any of the above information with you, as well as talk about any additional specific needs you may have. For any questions you may have, or to schedule an appointment, get in touch today!