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About Us

A full-service employee benefits consulting firm, Cairnstone Financial Group partners with companies, like yours, who want to invest in the physical and financial health of their employees.

Together, we develop long-term strategies that transform the way you deploy benefits. This strategic plan puts you on the right path to realizing efficiencies, cost savings, and compliance, while enabling your employees to meet their own personal goals. When your employee population is on the right path, your plan is on the right path.

The Cairnstone Difference

With our blend of technology and structured analytics, we identify – and predict – factors which affect your employees’ well-being. Then we design an effective wellness program, grounded in education and behavioral science, with response measures to reduce negative outcomes and encourage positive changes. The result: improved health for your employee and retiree populations.

At its core, the Cairnstone difference is about creating an environment that empowers employees to make meaningful life changes – and our approach makes us a seamless extension of your human resources department.

Your Navigator for a New Era

  • Diagnostic-based underwriting

    The benefits landscape is changing from claims-based to diagnostic-based underwriting

  • Data analytic models

    The benefits landscape is changing from referral-based pricing models to data analytic models

  • High-performance networks

    The benefits landscape is changing from network-driven utilization to high-performance networks

It is a challenge to keep up with the latest news and regulations. As your benefits partner, we help you navigate this flow of information – translate it practically and implement it strategically.

We understand the demands of addressing the HR requirements of your employees. That’s why we stay connected and involved with a dedicated contact who knows you and your employees well. Committed to personalized service, we help you manage and monitor your plan, alerting you to both changes and opportunities.


Customize Your Implementation

Cairnstone offers an entire suite of support services, including:

  • Robust enrollment system to capture and track all the applicant’s data to support an HR audit
  • Powerful software tools to provide a wealth of data for analysis to proactively assist your employees improve their well-being
  • Daily interactions with employees – advising, assisting, and applying a vast resource network – to encourage and equip them in the positive evolution of behaviors
  • Experienced team of industry-leading attorneys, CPAs, third party administrators, carriers, and technical specialists to advise you when needed

We welcome the opportunity to discuss how we can help. Our services are comprehensive. You may need all of our solutions, or only a few. We tailor a plan that is right for your employee populations – and you receive only what you need.

GettyImages-157674014Find Perfect Balance

Your employees count on their benefits to maintain their physical and financial health. In return, you retain a healthy, loyal, and more productive workforce. But, it requires much work to manage all the HR obligations. In fact, it’s a balancing act. With Cairnstone you can find the perfect balance.

The Cairnstone Difference

Our culture is one of service and high-touch engagement. As advisors and advocates, we seek to make your life easier and your employees’ lives better. Let’s talk about how to enrich your workforce – and your bottom line.

Call: 317-669-9470   Toll free: 1-877-977-0117

What’s the meaning of Cairnstone?

For the Cairnstone team, cairn represents more than a stack of rocks.

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Transform the way you deploy benefits

Cairnstone designs customized benefit plans to help your employees reach their health goals, while realizing cost savings and compliance.

Learn more