# Sirkka Wood

> Sirkka Wood is a fee-only financial advisor at Cairn Financial Group in Nashville, Tennessee. Sirkka focuses on student loans. Cairn Financial Group reports charging a percentage of assets, hourly fees, fixed fees and performance-based fees on its Form ADV.

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

## Facts

- **Firm:** Cairn Financial Group
- **Based in:** Nashville, Tennessee
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees; Performance-based fees
- **Assets under management (firm):** $77.4M across 671 accounts
- **Specialties:** Student loans
- **Works with:** Physicians, Executives
- **CRD:** 7946787 (https://adviserinfo.sec.gov/individual/summary/7946787)
- **SEC registration:** Investment adviser representative in AL, CO, LA, MS, NC, TN, TX
- **Exams passed:** Series 65 (2025)
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** http://cairnfg.com

## Frequently asked questions

### Is Sirkka Wood a fee-only financial advisor?

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

### How does Sirkka charge for financial advice?

Sirkka's firm, Cairn Financial Group, reports charging a percentage of assets, hourly fees, fixed fees and performance-based fees on its SEC Form ADV.

### Where is Sirkka Wood based?

Sirkka Wood is based in Nashville, Tennessee.

### What does Sirkka specialize in?

Sirkka's specialties include student loans. Sirkka works with physicians and executives.

### Is Sirkka Wood registered with the SEC?

Yes. Sirkka Wood is registered as an investment adviser representative in AL, CO, LA, MS, NC, TN and TX (CRD 7946787), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Cairn Financial Group manage?

Cairn Financial Group reports $77.4M across 671 accounts in assets under management.

### How do I contact Sirkka Wood?

Through Sirkka's website, cairnfg.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7946787): 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.cairnfg.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.