# Craig Cairns

> Craig Cairns is a fee-only financial advisor at Howe & Rusling in Rochester, New York. Howe & Rusling reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/craig-cairns/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Howe & Rusling
- **Based in:** Rochester, New York
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $2.44B across 3,397 accounts
- **CRD:** 2637602 (https://adviserinfo.sec.gov/individual/summary/2637602)
- **SEC registration:** Investment adviser representative in FL, NY, TX
- **Exams passed:** Series 63 (1997), Series 65 (1997)
- **Firm size:** 25 employees
- **Disclosures:** None reported
- **Website:** http://www.howeandrusling.com

## Frequently asked questions

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

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

### How does Craig charge for financial advice?

Craig's firm, Howe & Rusling, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Craig Cairns based?

Craig Cairns is based in Rochester, New York.

### Is Craig Cairns registered with the SEC?

Yes. Craig Cairns is registered as an investment adviser representative in FL, NY and TX (CRD 2637602), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Howe & Rusling manage?

Howe & Rusling reports $2.44B across 3,397 accounts in assets under management.

### How do I contact Craig Cairns?

Through Craig's website, www.howeandrusling.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/2637602): 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
- The firm's website (https://www.howeandrusling.com/): specialties, clients served, and fees, checked October 30, 2026

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