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Regulatory information

Disclosures

Plain-language information about this fictional demonstration practice and its website.

Last updated July 22, 2026Cairn Planning · Public record
01

Regulatory documents

Cairn Planning is a fictional demonstration firm. The Form ADV Part 2A and Form CRS below are specimen references, not real regulatory filings.

02

Firm information

Cairn Planning LLC is presented as a Colorado state-registered investment adviser. Registration does not imply a particular level of skill or training. Cairn Planning LLC, Nora Blake, and all contact details shown are not real entities or persons.

03

Testimonial policy

The homepage testimonial is illustrative and does not describe an actual client experience or endorsement. A production advisory firm must state whether the person giving a testimonial is a current client, whether direct or indirect compensation was provided, and any material conflicts that could affect the testimonial. Those disclosures must appear with the testimonial.

04

Fiduciary oath

NAPFA maintains the official fiduciary oath. For this demonstration, Cairn’s operating commitments are to put the person receiving advice first, act in good faith, disclose conflicts before and throughout an engagement, accept no transaction-contingent product compensation, and accept no referral-based compensation. Read the current official source at https://www.napfa.org/mission-and-fiduciary-oath.

05

Fee-Only compensation

The firm is described as Fee-Only. Its only compensation comes directly from clients under written agreements. It does not accept commissions, product compensation, or referral fees from third parties.

06

Professional designations

The CFP® certification marks are used here only as fictional biographical content. Enrolled Agent status is a federal tax credential. Credentials do not assure investment results or the success of a financial plan.

07

No individualized advice

Website content is general educational information. It is not individualized investment, tax, accounting, or legal advice and does not create an adviser-client relationship.

Specimen register

The documents behind the relationship.

Each specimen uses the same firm, service, and price facts shown elsewhere on the Cairn site.

Specimen brochure

Cairn Planning LLC — Firm Brochure

A demonstration disclosure brochure assembled from the same canonical facts used across this site. It is not a filing and does not represent a real registered firm.

Filing date: Specimen prepared July 22, 2026
  1. 01

    Advisory business

    Cairn Planning LLC is presented as a Colorado state-registered investment adviser. The practice is virtual-first and serves households nationwide where registration permits.

  2. 02

    Services and planning scope

    The six connected chapters cover equity compensation, cash flow and savings, tax planning, investments, benefits and protection, and family, college and estate decisions. Recommendations are coordinated through one written plan.

  3. 03

    Fees and compensation

    Ongoing planning begins with $3,000 and continues at $250 per month. A one-time plan is $4,500. A focused engagement typically begins at $750.

    Fee-Only compensation means the practice is paid directly by clients and does not accept product commissions or referral fees.

  4. 04

    Assets and implementation

    No asset minimum applies. Investment advice is connected to the plan; the demonstration does not require a portfolio transfer or price the relationship as a percentage of assets.

  5. 05

    Methods, risk, and review

    Recommendations consider household goals, time horizons, taxes, liquidity, concentration, and capacity for risk. Investing involves uncertainty and possible loss. Plans are reviewed when facts, dates, or household priorities change.

  6. 06

    Disciplinary and other information

    Because Cairn Planning and Nora Blake are fictional, there is no regulatory or disciplinary record to report. Readers should not treat this specimen as evidence of registration, credentials, or a real advisory relationship.

Specimen relationship summary

Cairn Planning LLC — Client Relationship Summary

Questions and concise demonstration answers modeled on the purpose of Form CRS. This specimen is educational and is not a regulatory filing.

Filing date: Specimen prepared July 22, 2026
  1. 01

    What investment services and advice can you provide me?

    Cairn is presented as providing flat-fee financial planning and investment advice through six connected planning chapters. Ongoing, one-time, and focused engagements are available, with no asset minimum.

  2. 02

    What fees will I pay?

    Ongoing planning is $3,000 initially and $250 each month after implementation. The one-time plan is $4,500; a focused engagement typically begins at $750. Additional third-party account or investment expenses may apply outside this fictional practice.

  3. 03

    What are your legal obligations and conflicts?

    The practice is presented as a fiduciary when providing advisory services. A flat fee avoids compensation tied automatically to account size, but no business model eliminates every conflict; scope, capacity, and related arrangements still require candid disclosure.

  4. 04

    How does your financial professional make money?

    Nora Blake, CFP®, EA is presented as being compensated only through client-paid planning fees. The practice does not accept commissions, product compensation, or referral fees.

  5. 05

    Do you or your professional have legal or disciplinary history?

    No real firm or professional is represented. This specimen cannot be used to verify registration, credentials, legal history, or disciplinary history.

  6. 06

    What should I ask before engaging an advisor?

    Ask about total annual dollars, services and exclusions, investment authority, custody, conflicts, referral arrangements, advisor capacity, secure communication, and how either party can end the relationship.

Official source

Read the current NAPFA Fiduciary Oath.

NAPFA maintains the authoritative oath and code of ethics on its own website.

01

NAPFA Fiduciary Oath

Open the official source for the complete current wording.

Disclosures | Cairn Planning