Candela Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$20,900
Total clients
1
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
1
Average account size
$20,900
About
Candela Financial serves individual clients — including high‑net‑worth individuals and residency programs — by providing ongoing and project‑based financial planning and discretionary investment management. The firm also refers clients to third‑party professionals as needed and offers educational seminars and speaking engagements to groups and the public.
The firm’s investment approach is grounded in Modern Portfolio Theory, with an emphasis on strategic asset allocation and a combination of passive and active vehicles to align portfolios with clients’ goals and risk tolerance. Candela may subscribe client accounts to model portfolios through the Altruist Model Marketplace, use outside managers, and conducts account reviews on a quarterly basis while typically managing accounts on a discretionary basis.
Distinctive aspects disclosed in the brochure include that the firm is a recently registered, solo‑advisor practice with modest assets under management (about $20,900) and a very small client base at the time of filing. The principal also holds an Enrolled Agent credential and operates a separate tax‑preparation business and tutoring/teaching activities — relationships the firm discloses as potential conflicts of interest — and the offering of public educational seminars is an uncommon service among peers of this size.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General tax planning
Occupation focus
Self-Employed
Fee options
Project-Based Financial Planning fixed fees range from $4,000 to $10,000; Educational Seminars fees range $0 to $500
$0 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.75% $3,000,001+: 0.50%
Project-Based Financial Planning hourly rate $250
Fee-only: Ongoing Financial Planning: Initial fee up to $5,000; recurring quarterly fees $300 to $1,500; Project-Based Financial Planning fixed fees $4,000 to $10,000 or $250/hour; Educational Seminars $0 to $500 per seminar
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.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
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.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")