Stephen Michael Cairney
Professional Summary
Stephen Michael Cairney, who also goes by Steve Cairney, is a registered financial advisor currently at NATIONS FINANCIAL GROUP, INC. located in Cedar Rapids, Iowa. Stephen is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2000. Stephen has worked at 1 firm and has passed the Series 66, Series 52TO, Series 99TO, SIE, Series 7, Series 53 and Series 24 exams.
At a Glance
Fiduciary Standard
Fee Structure
Account Minimum
Active Clients
Fiduciary Standard
Fee Structure
Account Minimum
Active Clients
Other Aliases
Steve Cairney
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Videos & Posts
This advisor has not added any videos or posts yet.
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Contact Information
This advisor has not claimed their profile yet, so there is no contact information to display at this time.
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Disclosures are events reported to regulators, such as customer disputes, regulatory actions, employment separations, or financial events. Some are resolved, denied, or contested — a disclosure is not a verdict. We recommend asking an advisor directly about any disclosure on their record.
Disclosures on record.
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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Years of Experience
26 years in the financial services industry
Current & Past Employments
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Current Firm
FRONTIER INVESTMENT SERVICES | NATIONS FINANCIAL GROUP, INC. | NATIONAL BROKERAGE SERVICES, INC.
Contact Information
Main Address
3925 Fountains Blvd Ne Suite 200, Cedar Rapids, IA 52411Mailing Address
3925 Fountains Blvd Ne Suite 200, Cedar Rapids, IA 52411Phone Number
(319) 393-9541Established
Iowa since 11/14/1997Firm Type
CorporationFiscal Year End
DecemberFirm Size
Small# of Employees
94SEC notice filing (44 States and Territories)
Registered to provide investment advisory services in 44 US states and territories.
FINRA licenses (51 States and Territories)
Registered to provide investment advisory services in 44 US states and territories.
Documents
Direct owners and executive officers
Regulatory Assets Under Management
Total Number of Accounts
10,535AUM (Assets Under Management)
$4,771,466,316Disclosures
Arbitration
1Bond
1Accountant Surprise Examination Report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 09/28/2026 | Cover Page | Report |
| 11/26/2025 | Cover Page | Report |
| 09/26/2024 | Cover Page | Report |
| 11/22/2023 | Cover Page | Report |
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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.
The advisor shows no other business activity.
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Primary Firm SEC Registration
FRONTIER INVESTMENT SERVICES | NATIONS FINANCIAL GROUP, INC. | NATIONAL BROKERAGE SERVICES, INC.
State Registrations and Notice Filings
(5/31/2000)
(1/4/2002)
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.Note:This rule does not apply to broker-dealer activity.
Exams
Financial professionals may take different exams throughout their careers based on the types of services they provide and roles they perform.
Series 52TO — Municipal Securities Representative Examination
Passed Sep 2025About the Series 52TO examSRO Registrations
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CRS (Client Relationship Summary) - RIA
Click below to view Stephen Michael Cairney's CRS (Customer Relationship Summary).
CRS (Client Relationship Summary) - BD
Click below to view Stephen Michael Cairney's CRS (Customer Relationship Summary).
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