Candlelight Financial Solutions
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Candlelight Financial Solutions is a newly formed registered investment adviser that provides ongoing portfolio management and financial planning to a broad set of client types, including individuals, high‑net‑worth individuals, pension and profit‑sharing plans, corporations, and municipal entities. The firm typically charges asset‑based advisory fees for portfolio management and states it imposes no account minimum.
The firm establishes an Investment Policy Statement for each client, seeks discretionary authority to implement strategies consistent with clients’ goals and risk tolerances, and applies fundamental analysis and modern portfolio theory across long‑term, margin, and options strategies. CFS may also refer portions of client assets to third‑party advisers after conducting due diligence and provides regular custodial account reporting.
Distinctive features disclosed in the brochure include an ownership and operational affiliation with an insurance practice (Income & Estate Planning Partners, P.A.), and supervised personnel who are licensed insurance agents and may receive commissions for insurance product sales, a conflict the firm says it will disclose and manage. CFS also publishes a free monthly newsletter—an offering relatively uncommon among peers—and its March 2026 brochure reflects that the firm is newly formed with no assets under management or client accounts at that time.
Client services
Expertise
Fee options
Negotiated fixed fee between $500 and $15,000 for financial planning
$0 - $249,999: 1.25% $250,000 - $749,999: 1.00% $750,000 - $999,999: 0.90% $1,000,000 - $1,999,999: 0.75% $2,000,000 - $2,999,999: 0.60% $3,000,000+: 0.50%
Negotiated hourly fee between $200 and $750
Main office
Lincoln University PA
Advisors at this office
3
Most active in
Delaware · Pennsylvania
Also doing business as
Candlelight Financial Solutions · Candlelight Financial Solutions LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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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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
Advisors at this firm
Ethan L
Series 65
Lincoln University, PA
Candlelight Financial Solutions
Ethan Lytle is a financial advisor at Candlelight Financial Solutions with a Series 65 designation and one year of industry experience. Prior to his advisory role, he worked for 19 years at Lincoln University. He is also affiliated with Income and Estate Planning Partners P.A. Candlelight Financial Solutions is a newly formed registered investment adviser that serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and municipal entities. The firm focuses on customized investment policy statements, discretionary portfolio management using fundamental analysis and modern portfolio theory, and offers a free monthly newsletter.
Craig L
CFP®, Series 63, Series 65
Lincoln University, PA
Candlelight Financial Solutions
Craig Lytle is a CFP® professional with 26 years of industry experience. He currently serves at Candlelight Financial Solutions and has held previous roles at Integrity Alliance, Lion Street, and Signator Investors. Lytle owns Income and Estate Planning Partners, P.A., a firm focused on comprehensive financial planning, and is also an independent insurance agent specializing in life, accident, health, and property/casualty insurance. Candlelight Financial Solutions provides portfolio management and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and municipal entities. The firm uses fundamental analysis and modern portfolio theory, establishing personalized Investment Policy Statements and occasionally referring client assets to third-party advisers after due diligence.
Ryan R
Series 66
Lincoln University, PA
Candlelight Financial Solutions
Ryan Ruark is a financial advisor at Candlelight Financial Solutions with three years of industry experience. He holds a Series 66 designation and has worked at firms including Integrity Alliance, LLC and Lion Street Advisors. Outside of his advisory work, Ruark serves as a volunteer board member for the JT Dorsey Foundation and is a committee member of The Foundation for Enhancing Communities. Candlelight Financial Solutions is a registered investment adviser providing portfolio management and financial planning to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and municipal entities. The firm uses fundamental analysis and modern portfolio theory to implement strategies tailored to clients’ goals and risk tolerances and offers a monthly newsletter as part of its client communications.
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