Craig D. Cairns

HOWE AND RUSLING

Rochester, NY 14620

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CRD#: 2637602

Professional summary

Craig Douglas Cairns is a registered financial advisor currently at HOWE AND RUSLING, INC. located in Rochester, New York.

Craig is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1997. Craig has worked at 2 firms and has passed the Series 65, Series 63, Series 7 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

Since May 2021, Craig Cairns has served as member of the Board of Directors of Transcat, Inc., which is not an investment related business located at 35 Vantage Point Drive, Rochester, NY 14624. He devotes approximately 10 hours per month to this activity, with zero hours devoted during securities trading hours.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Craig Douglas Cairns's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

July 9, 2021 - Present

HOWE AND RUSLING, INC.

Office #1: 165 Culver Rd Suite 100, Rochester, NY 14620

RIA

CRD#: 104627

Rochester, NY

Past

January 14, 1997 - May 19, 2000

MANNING & NAPIER INVESTOR SERVICES, INC.

CRD#: 26266

FAIRPORT, NY

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

HOWE AND RUSLING, INC.

CRD#: 104627 / SEC#: 801-294

RIA

Registered Investment Advisory firm - (1/3/1941 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Florida
(1/31/2023)

IAR

New York
(7/9/2021)

IAR

Texas
(2/10/2023)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 9/23/1997

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 1/6/1997

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 7

Date: 12/9/1997

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 1/13/1997

Investment Company Products/Variable Contracts Representative Examination

Current Firm

HOWE AND RUSLING, INC.

CRD#: 104627 / SEC#: 801-294

RIA

Registered Investment Advisory firm - (1/3/1941 Approved)

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Contact information

Main Address

165 Culver Rd Suite 100, Rochester, NY 14620

Mailing Address

Phone number

(585) 325-4140

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (29 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

HOWE & RUSLING ADV PART 2 BROCHURE (8/12/2025)

Regulatory assets under management

Total Number of Accounts	3,045
AUM (Assets Under Management)	$ 2,026,253,586

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Craig D. Cairns

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Craig Douglas Cairns's CRS (Customer Relationship Summary).

Certified licenses

Experience

HOWE AND RUSLING, INC.

MANNING & NAPIER INVESTOR SERVICES, INC.

Primary Firm SEC Registration

HOWE AND RUSLING, INC.

State Registrations and Notice Filings

Exams

Series 65

Date: 9/23/1997

Series 63

Date: 1/6/1997

Series 7

Date: 12/9/1997

Series 6

Date: 1/13/1997

Current Firm

HOWE AND RUSLING, INC.

Contact information

SEC notice filing (29 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

HOWE AND RUSLING, INC.

TRUST BUT VERIFY

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