Cairn Investment Group Inc

Item 5 – Fees and Compensation

Our Fees

We charge our clients investment management advisory fees calculated as a percentage of the
market value of the assets in their accounts, without adjustment for any margin debt. Financial
planning services are provided with Investment Management without additional cost. We
reserve the right to negotiate your fees. Some clients pay more or less than others depending
on certain factors, including the type and size of the account, the range of additional services

Cairn Investment Group, Inc.
Form ADV Part 2A –Brochure                       6                                     March 24, 2026

provided to the client, and the total amount of assets managed for a group of related clients.
Your fee is specified in your agreement with us.

Investment Management Fee Schedule. The annual fee for investment management services is
based on a percentage of the investable assets overseen by the Firm according to the following
schedule:

                               Assets Under Management            Fee
                               First   $0 - $1,000,000            1.00%
                               Next    $1,000,001 - $3,000,000    0.75%
                               Next    $3,000,001 - $5,000,000    0.65%
                               Next    $5,000,001 - $10,000,000   0.50%
                               Next    $10,000.001 and up         0.30%

Payment of Our Fees

We deduct our investment management fees directly from your account at the beginning of
each quarter unless we both agree otherwise. If your agreement begins during a quarter, we
will prorate the fee you pay for the initial partial quarter, based on the number of days from the
beginning of your agreement until the end of the initial quarter.

Fees are deducted directly from a designated client account. If you do not have enough cash in
your account to pay our fee, we may sell some of your account assets to pay the fee. Fees
deducted from a specific account are documented by the custodian on their monthly statement.

Our investment management agreements may be terminated on written notice by either you or
us. If you pay fees in advance and if your agreement with us terminates during a quarter, we
will refund a pro rata portion of the fee you paid for that quarter, based on the number of days
between the date we received notice and the end of the quarter.

Financial Planning Fees

We provide a wide range of financial planning services at no additional cost to our investment
management clients.

Cairn Investment Group, Inc.
Form ADV Part 2A –Brochure                         7                                  March 24, 2026

Occasionally, we may provide standalone financial planning services for a fee to clients who do
not maintain an investment management relationship with our firm. This practice is not routine
for us and is solely offered on a case-by-case basis at our discretion.

We charge a fixed fee for financial planning services, which generally ranges from $2,500 to
$7,000. The fee is negotiable depending upon the complexity and scope of the plan, your
financial situation, and your objectives. Fixed fee financial planning services do not constitute
ongoing advisory services, and opting for our financial planning services alone does not
establish an investment management relationship between you and our firm.

If you request additional consulting services after the completion of the financial plan, we offer
consulting services on an hourly basis. Our rate for such services ranges from $300 to $450 per
hour. This rate is negotiable depending on the scope and complexity of the plan, your financial
situation, and your objectives. An estimate of the total time/cost will be determined at the start
of the advisory relationship. In limited circumstances, the cost/time could potentially exceed the
initial estimate. In such cases, we will notify you in advance and request that you approve the
additional fee.

We require that you pay 100% of the fee in advance for a full financial plan. Hourly consulting-
based fees are calculated and payable at the completion of each session. In some cases, the
hourly fees may be paid weekly, monthly, or periodically in arrears.

You may terminate the financial planning agreement by providing written notice to our firm.
You will incur a pro rata charge for services rendered prior to the termination of the agreement.
If you have prepaid advisory fees that we have not yet earned, you will receive a prorated
refund of those fees.

Expenses

In addition to our advisory fees, clients are responsible for certain other fees and expenses. We
consider the cost of transactions and seek to minimize these costs where possible.

Mutual Funds and ETFs. If you have mutual funds or ETFs in your portfolio, you will incur fees in
addition to our fees. For example, you may incur a commission or transaction fee when the
mutual fund or ETF is purchased, and you will incur an annual management fee payable to the
manager of the fund, neither of which is shared with us. If a fund also imposes sales charges,
you may pay an initial or deferred charge. These fees and expenses are described in each fund's
prospectus. When considering an investment in a mutual fund or ETF, we use a no-load, open-
end fund when appropriate. We evaluate the relative annual costs as a part of our decision
process.
Cairn Investment Group, Inc.
Form ADV Part 2A –Brochure                      8                                    March 24, 2026

You could invest in a mutual fund or ETF directly, without our services. In that case, you would
not receive the services we provide, which are designed in part to help you determine which, if
any, mutual funds, and ETFs are best suited to your financial condition and objectives. You
should review the fees charged by the mutual fund and/or ETFs and our fees to fully understand
the total amount of fees you will pay and to evaluate the advisory services we provide.
...

Item 7 – Types of Clients

We provide traditional discretionary investment management and financial planning services for
individuals, pension and profit-sharing plans, trusts, estates, charitable organizations,
corporations, and other business entities. Client relationships vary in scope and length of
service.

 In general, we require a minimum of $400,000 to open and maintain an investment advisory
account. At our discretion, we can waive this minimum account size. For example, we could
waive the minimum for anticipated future additional assets, related accounts, and family
relationships. We may group certain related client accounts for the purposes of achieving the
minimum account size requirements.

Cairn Investment Group, Inc.
Form ADV Part 2A –Brochure                      9                                   March 24, 2026