Cairn Financial Advisors, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$17,573,480
Clients
26
46% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
26
TypicalAverage account size
$675,903
About
Cairn Financial Advisors, LLC is a state‑registered independent investment adviser managing roughly $17.6 million for about 26 clients, serving individuals (including high‑net‑worth clients), as well as corporations and other businesses. The firm provides discretionary portfolio management, comprehensive financial planning (one‑time, follow‑up, and hourly engagements), and coordinates access to third‑party sub‑advisers.
The firm’s investment process is individualized and guided by Modern Portfolio Theory, with portfolios constructed to match client goals, risk tolerance and tax considerations; implementation may be through direct management or by recommending sub‑advisers. CFA discloses use of sub‑advisers including Geo Wealth and Betterment, monitors those managers’ holdings and strategies, accepts client‑imposed restrictions, and does not impose an account minimum.
Distinctive features include the principal’s CFP and CDFA credentials and operation of a separate divorce‑financial consulting business, indicating a focused capability in divorce financial planning that is less common among peers. The firm does not accept third‑party compensation, does not vote client proxies (clients retain voting responsibility), and operates with a small client base supported by custodial relationships that provide institutional custody and soft‑dollar services.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
General retirement planning
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
Fee options
$1,200 - $10,000 for one-time financial plans, negotiable; $1,200 - $10,000 fixed annual fee for follow-up financial planning
$0 - $1,000,000: 1.00% $1,000,000+: 0.75%
$350 per hour for limited scope financial planning projects
Main office location
Cairn Financial Advisors, LLC
Denver CO, United States
Number of offices
1
Most active in
Cairn Financial Advisors, LLC has reported serving >5 clients in these states in the last 12 months.
Colorado · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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.
Forms ADV
Quick links
Advisors at this firm
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