Candela Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$20,900
Clients
1
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
1
Very LowAverage account size
$20,900
About
Candela Financial provides wealth management and financial planning services to individuals, high‑net‑worth clients, and residency programs, offering both ongoing wealth management and one‑time, project‑based planning. The firm also conducts educational seminars and speaking engagements on personal finance topics and may refer clients to third‑party professionals when appropriate.
The firm’s investment process emphasizes asset allocation and Modern Portfolio Theory, using a blend of passive and active strategies across stocks, bonds, mutual funds, ETFs and cash equivalents. It may employ outside managers, subscribes to the Altruist Model Marketplace for model portfolios, and typically manages client accounts on a discretionary basis while allowing clients to impose written investment restrictions.
Noteworthy distinctions include the firm’s small scale and limited assets under management relative to many peers, and a principal who maintains outside businesses — including a tax preparation entity and tutoring/teaching roles — and holds the Enrolled Agent tax credential; the brochure discloses that the tax practice may involve client overlap and a potential conflict of interest. The firm’s provision of low‑cost educational seminars (fee range $0–$500) and its institutional relationship with Altruist are also atypical features for an independent adviser of this size.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
Wealth management
Business sale tax planning
Occupation focus
Founder/Business Owner
Educators, Teachers, and Academics
Demographic focus
Young Professionals
Fee options
Fixed fees for project-based financial planning ranging from $4,000 to $10,000; fees for educational seminars range from $0 to $500
$0 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.80% $3,000,001+: 0.60%
$250 per hour for project-based financial planning
Minimum fee: Initial fee up to $5,000 for comprehensive financial plan, may be reduced or waived at Advisor's discretion Fee-only: Fee-only firm; no commissions received
Main office location
Candela Financial
Ottawa Hills OH, United States
Number of offices
1
Most active in
Candela Financial has reported serving >5 clients in these states in the last 12 months.
Ohio
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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