Cairn Financial Group

11/10/2022

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10/25/2022

Elisa was honored as an “everyday hero” by the Nashville Public Library’s Nashville Voices campaign!

10/19/2022

“If Cairn was going to drink a Cab, this is the kind of Cab we’d drink.” - Nathan Greene from the Titan Investors Due Diligence Retreat in Sonoma.

The Cab in question: Passalacqua Winery Reserve Cabernet Lots 18 & 19

05/17/2022

Don’t forget to RSVP for our open house celebration this Thursday!

04/28/2022

Market downturns can be painful! Trying to “time the bottom” can be futile, but consider these time-tested strategies (that work well in any market but are even more potent when the market turns red).

04/01/2022

Cairn Financial Group is excited to introduce our newest team member, Taylor Whitt, CFP®️!

"I am excited to be working as part of a really great team where I can cultivate my passion and leverage my skill set with one very clear purpose:to enable wealth success for our clients"

01/24/2022

A 529 plan is a tax-advantaged account that can be used to pay for qualified education costs, including college, K-12, and apprenticeship programs.

01/17/2022

Debt repayment is often a major area of our client's finances that Cairn loves to work with. Some buzz words that you may hear tossed around when talking about debt repayment are Debt Avalance and Debt Snowball. These are two repayment strategies that Cairn will talk with you about if you ever need help figuring out how to pay off your debt. Ask us about it! And learn more about the differences between the two strategies here

If you’re in credit card debt, you are not alone. We’ll cover the two popular ways to tackle credit card debt--the debt snowball and the debt avalanche.

12/30/2021

Is short-term disability insurance worth it? It is possible to "self-insure" against a short-term loss of income by having a well-funded emergency reserve. If you have a separate savings account with roughly 3-6 months of your household's expenses stored away, many professionals may suggest that you don't need short-term disability insurance. Contact Cairn to talk about how you can protect against the risk of losing your income.

Yes, most people should just opt -in to their employer-sponsored short-term disability plan, which is usually free or subsidized. An individual plan isn’t usually worthwhile.

12/29/2021

Index funds and Target-Date funds are two great products that can make investing easy. Many Americans use these funds in their 401(k)s or IRAs as a way to be more hands-off and reduce fees. Although these two types of funds are not the same! Read more about them here, and reach out to Cairn if you'd like to discuss how we can help you invest!

Should 401(k) investors choose index or target-date funds? The decision depends on how much they know and how much time they want to spend.

12/16/2021

Cairn FG recently posted about the concept of front-loading your retirement accounts. Today we offer the counter-argument to front loading, Dollar Cost Averaging. DCA is a powerful strategy that helps you avoid the impossible task of timing the market. By investing in regular intervals you are setting yourself up for success. In part because the price you pay for a stock is not nearly as important as the amount of time your money spends invested in the market. If you have questions about your investments, or would like to speak with an investment advisor contact Cairn today!

Learn to use dollar-cost averaging to mitigate risk in your long-term investing strategy. See examples of how to do this effectively.

12/13/2021

Having a good credit score is incredibly beneficial for your financial life. For many of us, building credit has taken a very long time. But, for those of you with children nearing adulthood, adding your child as an authorized co-signer on your credit card can be a huge help to them, and enable them to benefit from your great credit - even more than they already have, of course :-) This way, when it comes time for them to take out their first personal loan, they will already have a good credit history.

p.s. When the new card comes in the mail, who says you have to tell your kid about it?

As a parent, you want to give your child every advantage you can to help them be successful later in life. One aspect of the future self that is often overlooked is their credit history. A good credit score can determine whether they get hired, where they live and their access to credit. Adding your