# Benjamin Cairns

> Benjamin Cairns is a fee-only financial advisor at Essex in Spring Lake, Michigan, who holds the CFP credential. Essex reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/benjamin-cairns/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Essex
- **Based in:** Spring Lake, Michigan
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $649.3M across 2,294 accounts
- **Credentials:** CFP
- **CRD:** 6309323 (https://adviserinfo.sec.gov/individual/summary/6309323)
- **SEC registration:** Investment adviser representative in IL, MI, TX
- **Exams passed:** Series 65 (2014)
- **Firm size:** 9 employees
- **Disclosures:** None reported
- **Website:** https://www.alignable.com/barrington-il/essex-llc

## Frequently asked questions

### Is Benjamin Cairns a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Benjamin holds no broker registration, and Essex reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Benjamin charge for financial advice?

Benjamin's firm, Essex, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Benjamin Cairns based?

Benjamin Cairns is based in Spring Lake, Michigan.

### What credentials does Benjamin Cairns hold?

Benjamin Cairns holds the CFP credential.

### Is Benjamin Cairns registered with the SEC?

Yes. Benjamin Cairns is registered as an investment adviser representative in IL, MI and TX (CRD 6309323), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Essex manage?

Essex reports $649.3M across 2,294 accounts in assets under management.

### How do I contact Benjamin Cairns?

Through Benjamin's website, www.alignable.com/barrington-il/essex-llc.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6309323): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.