Independent wealth management · Est. 2009
Capital that climbs steadily, across generations.
Cairn is a boutique advisory for families, founders and entrepreneurs. We build portfolios with the patience of a mountain guide: a clear route, honest risk and no shortcuts.
AUM
€2.4bn
Assets under management
Clients
310
Families and founders
Retention
97%
Client retention, 5 years
Offices
3
Andorra · Zürich · Geneva
Approach
Three principles, applied every quarter.
Every mandate starts with what you want your wealth to do. Then we work backwards to the allocation. No product quotas, no commissions on funds.
Independence
Fee-only advice
We are paid by you and only by you. A flat annual fee on assets, published up front, with no retrocessions.
Discipline
Rules before markets
An Investment Policy Statement sets your risk budget, rebalancing bands and drawdown limits before a single trade.
Continuity
Built to be handed on
Succession, governance and next-generation education are part of the plan from day one.
Services
Everything a family office does, at boutique scale.
Mandates from €1m. Each client works with one lead adviser and a dedicated analyst.
Discretionary management
We run your portfolio within agreed limits across equities, bonds, ETFs and alternatives, with monthly reporting.
From €1m
Advisory mandates
You keep the final say. We bring research, trade ideas and a second opinion before every decision.
From €500k
Wealth planning
Tax residency, estate structure and liquidity events, coordinated with your lawyers and accountants.
Fixed fee
Family governance
Family charters, investment committees and education programmes for the next generation.
On request
Process
From first call to first rebalance.
Most clients are fully invested within eight weeks of the first meeting.
Week 1
Discovery
Goals, horizon, constraints and a full map of your current assets.
Weeks 2–3
Policy
We draft your Investment Policy Statement and agree the risk profile.
Weeks 4–6
Construction
Allocation, custody and onboarding with the bank of your choice.
Ongoing
Stewardship
Quarterly reviews, rebalancing within bands and an annual plan update.
Insights
Notes from the investment committee.
Monthly commentary on markets, rates and planning, written by the people who manage the money.
Markets
Rate cuts and the case for duration
Why we added longer-dated bonds this quarter, and where we set the limits.
Planning
Selling a company: the 12 months before
Residency, structure and liquidity decisions that are hard to undo after the deal closes.
Portfolio
Why we cap single stocks at 5%
Concentration builds fortunes and also ends them. Our rule and the reasoning behind it.
Team
Advisers, not salespeople.
Twelve professionals across three offices, with an average of 18 years in private banking.
AV
Anna Vidal
Managing Partner, CFA
LM
Lukas Meier
Chief Investment Officer
CR
Clara Roig
Head of Wealth Planning
TB
Thomas Berger
Senior Portfolio Manager
Contact
Start with a 30-minute conversation.
No obligation and no sales pitch. We’ll tell you honestly whether we’re the right fit.
Andorra
Av. Meritxell 20, AD500
Zürich
Bahnhofstrasse 45, 8001
hello@cairn-wealth.com