What do I get from the complimentary consultation?
The complimentary consultation is a relaxed opportunity to review your financial goals and retirement plans, including income, insurance, annuities, estate matters and anything else you wish to discuss. You can ask questions and gain clarity about your current strategies without any obligation. The focus is on helping you understand your situation, ensuring you have the tools needed for a holistic plan and providing helpful guidance at no charge.
What makes you a fiduciary?
As fiduciaries, we are licensed to place clients’ interests first when recommending financial strategies. Our approach centers on clear communication and helping clients understand actions taken on their behalf.
How does your fee structure work?
Fees for assets under management are discussed openly and are based on a flat rate, with no commissions involved and low expense ratios (if applicable) due to our institutional structure. Insurance companies may pay us to use their financial solutions. Clients receive clear cost information so they can make informed choices without concerns about hidden fees.
How do you communicate with your clients?
Communication at Cain Financial Solutions includes in-person meetings, phone and email, with quick responses to client inquiries. We schedule quarterly reviews and regular updates to keep clients informed. Four educational client events are held each year to support and engage our clients, ensuring ongoing, accessible dialogue.
Will I work directly with the founder of Cain Financial Solutions?
Clients benefit from a team approach, working with the founder, David Cain, as well as other fiduciary advisors. This structure ensures multiple advisors, based on specialization, are available to address your needs, fostering relationships built on trust and continuity. You will have access to the team, so support is always available.
Who will be the custodian of my money?
Client assets are held with independent custodians such as Fidelity and Charles Schwab, ensuring security and separation from advisory services. The firm has discretionary authority to manage investments but cannot move money without your permission. No advisors or investments from the custodians are used in managing your funds.
How long have you had your corporation?
David Cain has worked in financial services since 1986 and became a holistic advisor in 2008. Cain Financial Solutions was established in 2013 to support continued growth and tax efficiency. Further details about the firm’s history are available upon request.
Why should I choose Cain Financial Solutions over other local advisors?
Our approach centers on individualized attention, careful listening and education. Guided by core beliefs of faith, the Golden Rule and the fiduciary standard, we aim to put clients’ interests first and prioritize relationships over returns. We strive for thoughtful, ethical service and focus on building genuine, lasting connections with clients.
Do you have a specialty?
Our specialty is retirement planning, with a focus on managing returns and minimizing risk rather than maximizing growth. We take a comprehensive approach, considering how retirement, investments and estate planning are connected and impact each other. If you have specific needs, we can discuss our experience in those areas during your consultation.
What if something happens to David Cain?
We have a succession plan and a dedicated team of caring, knowledgeable fiduciary advisors in place. This ensures clients receive uninterrupted support and ongoing management, so service continues smoothly regardless of any leadership changes.