C
CND Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$195,200,000
This total excludes 1 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
188
39% high-net worth
Advisors
1
of 3 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
188
Very HighAverage account size
$1,038,298
About
CND Financial provides discretionary investment management and hourly financial planning/consultation services to individuals — including high‑net‑worth clients — as well as retirement plans, trusts, estates, charitable organizations and corporations. The firm operates as a fee‑only registered investment adviser and manages individualized portfolios for roughly 189 clients with about $199.45 million in assets under management.
Investment implementation relies primarily on diversified allocations to no‑load mutual funds and ETFs organized into five model strategies, from Global Defensive to Global Equity, with investment policy statements tailored to each client’s risk profile and time horizon. The firm uses both fundamental and technical analysis, generally favors longer‑term holdings, rarely recommends individual stocks, and may recommend an unaffiliated sub‑advisor to implement covered‑call option strategies when clients request that approach.
A distinctive feature of CND Financial is its business affiliations: it shares back‑office administration with an affiliated advisory entity and maintains an affiliated certified public accounting firm that provides separate services and may receive referrals. Those direct affiliations with another adviser and with an accounting practice are uncommon among peers of this size and can affect operational arrangements, data sharing, and referral pathways that prospective clients should review.
Client services
Financial planning
Portfolio management
Selection of other advisers
Financial planning-consulting
Expertise
Options & derivatives strategies
Active portfolio management
Concentrated stock management
Wealth management
Fee options
$0 - $1,000,000: 1.00% $1,000,001 - $1,500,000: 0.80% $1,500,001+: 0.60%
CPA/Personal Financial Specialist or Certified Financial Planner: $250/hour; Chartered Financial Analyst: $250/hour; Financial Planner: $200/hour; Clerical: $60/hour
Account minimum: $250,000 Fee-only: Fee-only advisor compensated solely via advisory fees; no commissions accepted.
Main office location
CND Financial
33762 Schoolcraft Rd, 2 Nd Floor
Livonia MI 48150, United States
Number of offices
2
Most active in
CND Financial has reported serving >5 clients in these states in the last 12 months.
Florida · Michigan · Texas
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 active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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.
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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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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.
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