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Bringing Your Full
Financial Picture
to Light

Independent, fiduciary financial planning built on one idea: your plan should be as personal as your life.

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Independent RIAFiduciary StandardSchwab Custodied

Our Approach

Independent advice.Your best interest. Always.

As an independent Registered Investment Advisor, we're free from broker-dealer affiliations. That means our advice starts and ends with what's right for you — not a product shelf or a sales quota.

We believe financial planning should provide clarity and confidence, guiding you through every stage of life with a strategy that evolves alongside you — including self-employed professionals such as real estate agents exploring Solo 401(k) and other retirement options.

“We want clients to feel comfortable, understood, and supported — not like just another account number.”
Candlelight Financial Solutions

What We Do

Comprehensive planning,personally delivered

Every service is woven into a single, cohesive strategy — because your finances don't exist in silos.

Retirement Planning

Build a retirement strategy that reflects how you actually want to live — not just a number on a spreadsheet.

Investment Management

Disciplined, diversified portfolio strategies aligned with your goals, timeline, and comfort with risk.

Tax-Aware Planning

Coordinate investment decisions and financial strategies to help minimize your tax burden over time.

Estate Planning

Coordinate your estate strategy so your wealth is protected and your wishes are carried out clearly.

Business Strategies

Whether you're growing, transitioning, or selling — align your business decisions with your personal financial goals.

Comprehensive Planning

See your full financial picture — income, assets, goals, and risks — woven into one cohesive plan.

Who We Serve

Built for people buildinglong-term wealth

Healthcare & Tech Professionals

Navigating equity compensation, high-income tax planning, and building long-term wealth alongside demanding careers.

Real Estate Agents

Commission-based income, variable cash flow, and self-employment — we help you coordinate tax-aware saving, Solo 401(k) options, and a plan that fits how you actually earn.

Retirees & Pre-Retirees

Transitioning into retirement with confidence through income strategies, Social Security optimization, and legacy planning.

Young Families

Getting ahead early with college savings, insurance coverage, budgeting, and building a foundation for generational wealth.

How It Works

From first conversation to lasting partnership

01

Introduction

Schedule a relaxed conversation so we can learn about each other. No pressure, no commitment — just a genuine connection.

02

Discovery

We gather your statements, goals, concerns, and dreams to understand the full picture of where you are and where you want to be.

03

Strategy

We build a personalized financial plan with clear recommendations — and walk through every detail together until it feels right.

04

Partnership

Ongoing guidance, proactive adjustments, and regular check-ins. Life changes, and your plan evolves with you.

0%

Fiduciary — Always

Independent

No Broker-Dealer Ties

Schwab

Custodian of Choice

Insights

Learn with us

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Retirement

When Should You Actually Start Planning for Retirement?

The best time to start was yesterday. The second best time is today. Here's what to focus on at every stage.

Coming Soon

Self-Employed

Solo 401(k)s for Real Estate Professionals

Independent agents often have access to powerful retirement savings tools — but only if they're set up and funded with intention. Here's what to know.

Coming Soon

Tax Planning

5 Tax Strategies Most Families Overlook

Smart tax planning isn't about tricks — it's about intentional decisions that compound over decades.

Coming Soon

Life Transitions

Navigating Financial Decisions During Major Life Changes

Marriage, new baby, career change, inheritance — how to make confident financial moves when everything feels uncertain.

Coming Soon

Common Questions

What to know before we meet

What is a fiduciary financial advisor?

A fiduciary is legally obligated to act in your best interest — not sell you products. As an independent RIA, Candlelight Financial Solutions operates under the fiduciary standard at all times, with no broker-dealer affiliations influencing our recommendations.

Do I need a minimum amount of assets to work with you?

We work with clients at various stages of their financial journey. Whether you're just starting to build wealth or managing a complex portfolio, we'd love to have a conversation to see if we're a good fit for each other.

Where will my assets be held?

Client assets are primarily custodied with Charles Schwab & Co., Inc. — one of the largest and most trusted custodians in the industry. Schwab is an independent company and is not affiliated with Candlelight Financial Solutions.

What does the first meeting look like?

The first conversation is relaxed and low-pressure. We'll learn about each other, talk through your goals and concerns, and see if there's a mutual fit. There's no cost or commitment — just a genuine conversation about where you are and where you want to be.

Ready to get started?

The first step is simple — reach out. No pressure, no obligation. Let's see if we're the right fit.

Start client intakeTry retirement calculator

The intake takes a few minutes and helps us prepare for a focused first conversation. Prefer email only? info@candlelightfs.com

We'll respond within one business day. Your information is kept private and secure.