Flat-fee financial planning · Boulder + nationwide
Fee-only fiduciary planning for mid-career professionals navigating equity compensation, rising income, and a life already in motion.
Where planning starts
Financial life rarely arrives one topic at a time. Cairn turns the moments interrupting your week into one visible decision system.
A sell / hold choice, a withholding gap, and three other goals competing for the same dollars.
The money is there. The missing piece is a way to see it, route it, and make decisions together.
More capacity creates more options—and a stronger need to decide what the next dollar is for.
Planning session · one table, the whole picture
Vesting week
A sell / hold choice, a withholding gap, and three other goals competing for the same dollars.
Tuesday night
The money is there. The missing piece is a way to see it, route it, and make decisions together.
After the raise
More capacity creates more options—and a stronger need to decide what the next dollar is for.
The Cairn difference
Equity, taxes, cash flow, benefits, and family goals live on the same map—so one decision doesn’t quietly undo another.
The Cairn route
No black box. Every stage ends with something useful in your hands, with the first plan built in six to eight weeks.
Goals, money history, and the decisions that feel loudest right now.
A one-page priorities brief
Every account, document, benefit, and vesting date in one picture.
Your complete financial inventory
A written route for cash flow, tax, equity compensation, and investing.
The plan and decision calendar
The checklist, executed together—I don’t hand you homework and disappear.
A working 90-day action list
Tax-season syncs, vesting reviews, and scheduled course corrections.
A plan that keeps moving with you
Six connected planning chapters
The homepage view stays short: every chapter names the decision it resolves, while the full interactive panel lives on What’s Included.
01
A tax-aware strategy for RSUs, stock options, and ESPP—so vesting dates become planned decisions, not recurring surprises.
02
A practical system for the money coming in, the goals competing for it, and the habits that make the plan work month to month.
03
Year-round projections and decisions led by an Enrolled Agent—not a scramble after the tax year is already over.
04
Advice that connects your portfolio to the rest of your plan, without product sales, commissions, or a portfolio minimum.
05
A clear review of workplace benefits, insurance, college funding, and the estate basics that protect the people who count on you.
06
College funding, estate basics, and decisions that protect your people without turning the plan into a legal textbook.
The fee is on the website
No asset minimums. No commissions. No percentage of your portfolio quietly compounding into a larger fee.
Ongoing planning
01 / OngoingDesigned for a plan that needs to keep moving with your vesting dates, tax calendar, and life.
One-time plan
02 / ProjectDesigned for when you need the full plan now and prefer to carry it forward on your own.
Focused engagement
03 / FocusedFor a clearly scoped equity-compensation, tax, or benefits question.
The fee is the fee. It doesn’t rise because your account did.
Never tied to account growthWho I help
Cairn is designed for households that want a plan and a partner, not a product.
A repeatable policy for every vesting date—not another one-off answer.
One shared operating system without tracking every latte.
A job for the next dollar before lifestyle quietly claims it.
Client perspective · Demo testimonial
For the first time, our stock, taxes, benefits, and family goals feel like one plan—not six unrelated decisions.
Illustrative mid-career household
Illustrative testimonial. No actual client experience or endorsement is represented.Field notes
Useful guidance before the question becomes urgent.
A practical way to turn each vest into a repeatable tax, concentration, and cash-flow decision.
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When every goal sounds responsible, sequence matters more than perfection.
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Two common fee models, one plain-English comparison, and the questions worth asking.
Read article
Your guide
Founder and lead planner
I built Cairn for people doing well on paper who still feel the friction of disconnected advice.
My job is to make the landscape visible, name the next marker, and stay beside you while the plan becomes real.
Ready when you are
The first call is free, relaxed, and useful—even if we decide Cairn is not the right fit.
Book a free intro call