Candlelight Financial Solutions logo

Candlelight Financial Solutions

Updated today

Client assets under management

$0

Clients

0

Advisors

2

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

0

Very Low

Average account size

About

Candlelight Financial Solutions is a newly formed SEC‑registered advisory firm that reports no assets under management and currently has no active advisors. The firm offers portfolio management for individual clients and provides financial planning services, and it lists individuals, high‑net‑worth clients, pension and profit‑sharing plans, corporations, and municipal entities as its client types.

CFS documents client goals in an Investment Policy Statement, typically seeks discretionary trading authority, and uses fundamental analysis and modern portfolio theory to pursue long‑term investment strategies that may include margin and options trading. The firm may refer clients to third‑party investment advisers after due diligence, receives negotiated fee‑shares for those referrals, and provides quarterly custodial account reporting and periodic reviews.

Noteworthy aspects include a monthly newsletter and the availability of both fixed‑fee and hourly financial planning engagements, which the brochure emphasizes alongside its portfolio management services. The brochure also discloses an ownership and affiliation with an insurance business and that supervised persons may sell commissionable insurance products, requires custodianship at Schwab Institutional, and states it does not act as a private fund adviser.

Client services

Financial planning Portfolio management Selection of other advisers Newsletters or periodicals

Expertise

Options & derivatives strategies Concentrated stock management College savings (529s, UTMA, etc.) Life insurance needs analysis General retirement planning

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Fee options

Fixed

Fixed fees for financial planning between $500 and $15,000

Percentage

$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 - AND UP: 0.50%

Project-based

Hourly fees for financial planning between $200 and $750

Other

Fee-only: Hourly fees between $200 and $750

Main office location

Candlelight Financial Solutions

Lincoln University PA, United States

Number of offices

2

Most active in

Pennsylvania

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Craig L

CFP®, Series 63, Series 65

Lincoln University, PA

Candlelight Financial Solutions

Craig Lytle is a CFP® professional with 26 years of experience in the financial services industry. He is currently with Integrity Alliance, LLC and has previously worked at Signator Investors, Inc. and Transamerica Financial Advisors, Inc. In addition to his advisory role, he owns an independent insurance agency specializing in life, accident, health, and property/casualty insurance, as well as Income and Estate Planning Partners, P.A., which provides comprehensive financial planning services. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans through a network of 164 independent investment adviser representatives. The firm offers continuous asset management, financial planning, retirement plan consulting, and access to third-party manager programs, utilizing a variety of portfolio management approaches and custodial platforms.

Options & derivatives strategies Concentrated stock management College savings (529s, UTMA, etc.) Life insurance needs analysis General retirement planning
user avatar

Ryan R

Series 66

Lincoln University, PA

Candlelight Financial Solutions

Ryan Ruark is a financial advisor with Integrity Alliance, LLC, holding a Series 66 designation and two years of industry experience. Prior to joining Integrity Alliance, he worked at Cambridge Investment Research and Lion Street Financial. He serves as a volunteer board member for the JT Dorsey Foundation and is a committee member for The Foundation for Enhancing Communities. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans through a network of 164 independent advisors. The firm provides a range of investment management and financial planning services, employing various portfolio construction approaches and offering access to multiple custodial platforms and third-party manager programs.

Options & derivatives strategies Concentrated stock management College savings (529s, UTMA, etc.) Life insurance needs analysis General retirement planning
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