Cairn joined Spence and Spence in October 2013 and is a Diploma Qualified Independent Financial Adviser. With over 20 years working in the financial services industry, he has considerable experience in all areas of financial planning. Cairn works with clients to help them to achieve their most meaningful financial plans and objectives, ensuring that they receive a personal and professional service that is tailored to their needs. Cairn strongly believes that in order to ensure that his clients reach their agreed goals, financial advice requires a comprehensive and holistic approach. In his spare time Cairn is a keen golfer.