Candela Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Candela Financial provides wealth management services—combining ongoing investment management and comprehensive financial planning—to individuals, high-net-worth clients, and residency programs. Offerings include continuous portfolio supervision, project-based planning engagements, and the use of third-party Outside Managers and model portfolios available through the Altruist Model Marketplace.
The firm’s investment process emphasizes asset allocation informed by Modern Portfolio Theory and uses a mix of passive and active funds to pursue client objectives, typically on a discretionary basis with quarterly account reviews. Financial planning work covers areas such as net worth and cash-flow analysis, retirement and tax planning, estate planning, insurance review, and results are delivered in a written plan when applicable.
Candela Financial delivers educational seminars and speaking engagements for organizations and the public—virtual or in-person, strictly educational in nature, and billed per event—which is a relatively uncommon service among similar independent advisers. The brochure also discloses that the firm’s principal holds an Enrolled Agent designation and operates a separate tax-preparation business (Candela Advisors LLC), a relationship the firm discloses and may involve referrals or fee arrangements described in the advisory contract.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Fixed fees range from $4,000 to $10,000 for Project-Based Financial Planning; up to $500 for Educational Seminars/Speaking Engagements
$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 waived or reduced) Fee-only: Candela Financial is a fee-only firm, receiving compensation solely from clients for its services
Main office
6800 W Central Ave, Suite L2
Toledo OH 43617
Advisors at this office
1
Most active in
Ohio
Also doing business as
Candela Financial · Medpath Financial · Medpath Financial 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 not active or affiliated with:
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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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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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