Wealth Cairn, LLC

Wealth Cairn provides advisory services to institutional and plan clients as well as individuals, including pension and profit‑sharing plans, corporations, and nonprofit entities. Services described in the brochure include portfolio management with documented Investment Policy Statements, pension consulting (including 401(k) plan review and manager recommendations), financial planning, and the selection or referral to third‑party investment advisers.

The firm says it applies modern portfolio theory and a long‑term trading approach, documents client risk tolerance in an Investment Policy Statement, and conducts regular portfolio monitoring and quarterly reviews. CAIRN does not claim discretionary trading authority in the brochure and often implements strategies by referring clients to third‑party managers, with ongoing due diligence of those managers noted as part of its process.

What is distinctive in the brochure is the mix of manager‑selection and plan consulting with other financial product activity: a principal is a licensed insurance agent who may recommend commissionable insurance products and annuities, CAIRN may receive fee‑sharing from third‑party managers (including a co‑advisory relationship with Matson Money), and the firm discloses offering both fixed and hourly financial planning fees. The brochure also notes participation in educational events made available through custodians and discloses related conflicts of interest and mitigation practices such as due diligence, disclosure, and a written Code of Ethics.