Our Firm Cairn Investment Group, Inc. ("we," "us" or the "firm"), is an investment adviser registered with the SEC. We have been providing investment advisory services since we were founded in 2007. The firm is owned by Timothy A. Mosier, Patrick J. Mason, Mark P. Farrelly and Cherie A. King. Advisory Services We provide discretionary investment management and financial planning services for individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business entities. Advice is provided through consultation with the client and may include determination of financial objectives, identification of financial challenges, cash flow management, investment management, education funding, retirement planning, and assistance with estate planning. Our investment strategies are described below in Item 8. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Investment Management Most clients choose to have us manage their assets to obtain ongoing investment supervision and in-depth advice. The scope of work and fee for an Investment Management Agreement is provided to the client in writing prior to the start of the relationship. An Investment Management Agreement may include cash flow management; investment management (including performance reporting); education planning; retirement planning; estate planning, as well as the implementation of recommendations within each area. In general, investments may include equities (stocks), real-estate investment trusts (REITS), corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities (closed-end funds, ETFs, and mutual funds shares), U. S. government securities, options contracts, and interests in partnerships. We generally invest our client’s accounts in individual stocks and bonds using a risk optimized strategy. Due to account size or client preference, we may invest some individual accounts in no-load or low-load mutual funds. These investments provide broad diversification and access to a wide array of asset classes. Form ADV Part 2A –Brochure 5 March 13, 2024 We provide an additional service through a third-party platform to facilitate the management of held-away assets, such as defined contribution plan participant accounts, with discretion. The system allows us to avoid being considered to have custody of Client funds since we do not have direct access to Client log-in credentials to affect trades. We are not affiliated with the platform

in any way and receive no compensation from them for using their platform. A link is provided to the Client allowing them to connect an account(s) to the platform where we can review the available investment options and allocations. We will rebalance the account if needed considering client investment objectives, risk tolerance, as well as current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client accounts will be reviewed at least quarterly, and changes will be made as deemed necessary. Financial Planning We provide a wide range of financial planning services at no additional cost to our investment management clients in the form of advice, assistance, and education on topics such as:
• Equity and fixed income investing
• Financial planning
• Retirement planning
• Estate planning
• Divorce settlement planning
• Wealth transfers between generations and to charitable organizations
• College savings
• Insurance planning Investment advice and specific recommendations may be provided as part of a financial plan. Implementation of such advice or recommendations are at the discretion of the client. Tailored Advisory Services Our relationships with our individual clients are in-depth and personalized. We tailor our advisory services to meet your needs. We work directly with you and your other advisors to build and protect your wealth over the long term. At the time of initial engagement with us, each client’s financial situation and investment needs are documented using a written Investment Policy Statement. This profile is periodically reviewed and evaluated. We use this information to provide investment advice and to guide investment activity. Periodic reviews may be held to provide updates to the specific courses of action that need to be taken. More frequent reviews may occur but are not necessarily communicated to the client unless immediate changes are recommended. Form ADV Part 2A –Brochure 6 March 13, 2024 Although we generally have a broad discretionary authority over client assets, clients may impose restrictions on investing in certain securities or types of securities in the Investor Profile or through any formal or informal communication to us. In those cases, we exercise our discretionary authority consistently with the client’s instructions and obtain the client’s approval before each transaction that may be inconsistent with those instructions. Wrap Fee Program We do not currently participate in any wrap fee programs. Assets Under Management As of December 31, 2024, Cairn Investment Group manages approximately $336,564,032 in assets in approximately 838 accounts. The amount managed on a discretionary basis was $305,292,085 in 791 accounts, and $31,271,947 in 47 accounts was managed on a non- discretionary basis.