Cairn Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Cairn Financial Planning serves individuals and high-net-worth clients through fee-only financial planning rather than ongoing discretionary asset management. The firm provides comprehensive, year-long planning engagements as well as limited-scope, project-based (hourly) planning and does not accept custody of or directly manage client assets.
When investment recommendations are part of a plan, the firm generally applies modern portfolio theory and a passive, asset-allocation approach, using diversified mutual funds and ETFs while considering tax efficiency and fund overlap. Planning is delivered through a collaborative process tailored to each client’s goals, with implementation typically carried out by the client or third-party custodians.
Noteworthy features include operating as a solo practitioner with its principal office located outside the United States and offering both fixed (flat) planning fees and hourly billing—arrangements that are uncommon among peers. The firm is led by a CFP® professional, maintains a small client roster, and does not act as a private fund adviser or provide performance-based or discretionary investment management.
Client services
Expertise
Fee options
Flat fee between $2,500 and $10,000 for comprehensive financial planning
$250 per hour
Fee-only: Flat fees ranging from $2,500 to $10,000 for comprehensive financial planning; hourly rate of $250
Most active in
Texas · Washington
Also doing business as
Cairn Financial Planning · Cairn Financial Planning, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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