Cairn Investment Group Inc

Add to Favorites

Investment Advisory Service, Financial Planners, Financial Planning Consultants

Be the first to review!

17 Years

in Business

Accredited

Business

(503) 241-4901Call Visit WebsiteVisit Website Map & DirectionsDirections310 SW 4th AvePortland, OR 97204 Write a ReviewWrite Review

Is this your business?

Customize this page.

Claim This Business

Hours

Regular Hours

Mon - Fri:	6:30 am - 4:30 pm

Places Near Portland with Investment Advisory Service

Raleigh Hills (7 miles)
Jantzen Beach (10 miles)
Cedar Mill (11 miles)
Beaverton (11 miles)
Lake Oswego (11 miles)
Vancouver (13 miles)
Marylhurst (13 miles)
Happy Valley (14 miles)
Durham (15 miles)
Tanasbourne (15 miles)

More Info

BBB Rating

Extra Phones

Phone: (503) 206-5157

Location

Board of Trade Bldg

Neighborhoods

Neighbors West-Northwest, Downtown Portland

AKA

Kensington Investment Group

Other Links

http://www.cairninvestment.com

https://www.kensingtoninvest.com/news

Categories

Investment Advisory Service, Financial Planners, Financial Planning Consultants, Financial Services, Investment Management, Investments, Mutual Funds, Retirement Planning Services, Stock & Bond Brokers

Gallery

Be the first to add a photo!

Reviews

Hi there!
Be the first to review!

Click to Rate

Details

Phone: (503) 241-4901

Address: 310 SW 4th Ave, Portland, OR 97204

Website: http://www.cairninvestment.com

People Also Viewed

View similar Investment Advisory Service

Suggest an Edit

Cairn Investment Group Inc

Tax Planning
Before becoming a member of Cairn Investment Group, Dan accumulated more than four years of experience at Ameriprise Financial as a Financial Advisor and Planning Specialist. He possesses expertise in various areas, including retirement planning, accumulation planning, education/college planning, insurance analysis/planning, proactive tax planning, and asset allocation.
Charitable Giving
Charitable giving not only helps support the causes that we hold dear, but it may also lead to increased tax savings if you itemize your deductions. If you intend to make a charitable contribution, it’s often necessary to plan well in advance. At the very latest, donations need to be received and processed by December 31
Tax Services
2% miscellaneous itemized deductions were eliminated, doing away with the deductibility of tax preparation and investment management fees.
Roth IRA
With the abundance of financial information now accessible online, the interest in Roth conversions has increased substantially in recent years, and for good reason. Roth IRAs are largely considered to be one of the most appealing retirement savings vehicles available. Coupled with declining tax rates and a proliferation of newly retired baby boomers – an estimated 29 million in 2020 – more and more people are left wondering, “Does a Roth conversion make sense for me?”
Income Tax
It’s not uncommon for investors with 529 plans to have account balances remaining even after college expenses are paid in full. Under current law, a withdrawal for anything other than qualified education expenses may be subject to ordinary income tax and a 10% penalty.
Tax Deferral
Under current rules, an employer is only allowed to match a participant’s pre-tax deferral or after-tax contribution into their retirement plan. SECURE 2.0 allows employers to make matching contributions on behalf of employees making student loan payments, even if they are not contributing anything to the plan. Beginning in 2024, employers are authorized to match those loan repayment amounts.
Capital Gains Taxes
It’s important to understand the interrelationship that exists between ordinary income, capital gains, social security and other taxes and surcharges; including net investment income tax and Medicare premium surcharges. Long-term capital gains stack on top of ordinary income, so an increase in ordinary income can trigger additional capital gains taxes. Ordinary income also plays a factor when calculating “provisional income,” which is used to determine how much, if any, of your social security benefit will be subject to tax. Lastly, more ordinary income can trigger Medicare premium surcharges and/or net investment income tax.

Investment Management
In an age of automated investing and poor customer service, Cairn stands committed to provide personal service, advice, and investment management.
Mutual Funds
Polaris Foreign Value Fund (QFVIX/QFVOX): This is not an individual company but an actively managed mutual fund that invests in companies outside the U.S. We have owned a position in this fund for almost a year and chose them to represent foreign exposure in select portfolios. Polaris’ investment philosophy and process are very similar to our own, making them a nice complement to our individual equity investments. One interesting fact is that they recently hired a new analyst who was a former Navy Seal. The reason for this addition was not for his mathematical skills in company analysis, but for his skills in being able to analyze people and their behavioral quirks. They believe this will be useful in management and analyst meetings.
Bonds
Wealth Management
Currently serving as the Director of Operations and Compliance, Cherie brings over two decades in the wealth management industry. Her multifaceted role encompasses overseeing various operational functions within the firm, ensuring compliance with industry regulations, and actively contributing to the strategic planning and direction of the company.
Money Market Funds
My last topic involves cash management within your portfolios. As interest rates have done a U-turn over the last 12 months, interest paid on cash and money market funds has continued to fall. To make sure we are earning the highest interest on your cash while we either construct a portfolio, or wait for a new opportunity, we have implemented new cash management tools. To efficiently manage your cash, we are using liquid and safe securities consisting of CDs, T-Bills, position traded money markets, and short-term Treasury Bond ETFs that earn a higher interest rate than cash. We don’t want a lot of idle dollars earning very little in this challenging environment, and feel it is our job to manage your cash as effectively as possible.

Cash Flow Analysis
“Through our quarterly letters and individual meetings we have discussed our process for uncovering successful investments, our current view of U.S. stocks, and how we are managing assets concurrent with that view. First, we are always on the lookout for industry leading companies that generate significant cash flows, with balance sheets that can provide financial flexibility. The final, and what we believe is the most important, piece is paying a price for a company that is significantly lower than what our analysis says the business is worth. We use a combination of cash flow analysis and the historical operating performance of the business to identify suitable investments, avoiding ones for which we would be paying too high a price, therefore limiting appreciation potential.”

Financial Planning
I am pleased to announce that Mark Farrelly, CFP®, CDFA® (Certified Divorce Financial Analyst), has joined Cairn Investment Group as Senior Advisor and Director of Financial Planning. Mark’s expertise in specialized Financial Planning promises to elevate our game significantly in the coming years. Check out his bio here.
Retirement Planning
Passed in December 2019, the Setting Every Community Up for Retirement Enhancement (SECURE) Act included several provisions designed to address a wide variety of retirement planning topics. Considered one of the most comprehensive pieces of legislation affecting retirement savings, it contained several reforms designed to make saving for retirement simpler and more accessible for everyone.
Asset Management
Genesee & Wyoming Inc (GWR): We have been investors in Genesee & Wyoming for many years. GWR is a short-line railroad company operating freight railroads along the Pacific and Atlantic coasts. Fortunately and unfortunately, on July 1st GWR has agreed to be acquired by Brookfield Asset Management for $112 per share, so we will not be investors much longer.
College Funding

View All Services

Provided by