Who We are

We Bring Clarity To Your Future

candent (ˈkan-dənt)

: glowing from or as if from great heat

We shine a bright light on your finances so you can see what’s possible. Our goal is to help you find your freedom.

Our light is powered by:

  • Decades of experience providing objective and thoughtful advice
  • Our commitment to be an independent, fee-only fiduciary acting in your best interest
Bill Kan, Founder of Candent Capital

About Bill Kan, CFA®, CFP®

Career Changer
  • Entire 30 year career dedicated
    to financial services
  • Became entrepreneur with launch of
    Candent Capital, LLC in 2013 as a
    registered investment adviser in California
  • Former senior investment strategist and research economist on Wall Street serving institutional clients
  • Research staff of Federal Reserve Board
    in Washington, D.C.
  • CFA® Charterholder
  • CFP® Professional
American Dream Believer
  • Humble upbringing as immigrant latchkey kid in New Jersey speaking Cantonese
  • Phi Beta Kappa from Rutgers University, Published honors thesis in academic journal and president of the Squash Club
  • M.B.A. in Finance from Columbia University
  • Enjoying entrepreneurship helping families after my career on Wall Street
  • Made work optional a reality for my parents
  • Loving life in San Francisco with my wife Pam and my mom, exploring the outdoors, and enjoying food adventures wherever our travels take us
Food adventures in wine country
Exploring a bamboo forest with mom.
Urban hike with Pam

The Candent Difference

Happiness First Approach

Money may not buy happiness, but it does buy options that can make it easier for you to be happy. Our approach starts with trying to understand what makes you happy, what makes you unhappy, or gives you anxiety. From there, our process focuses on helping you address the financial side of these issues.

Trust Must Be Earned

Everything we do for clients builds upon a foundation of trust. We can’t imagine many roles with more gravitas than helping someone construct and manage their financial future. We strive to earn your trust every day. We’ll be transparent in what we do for you, open to your questions, and happy to address issues for you. What our 30+ years of experience reminds us of each day, is how much more there is to learn.

Love Cookies. Not Cookie Cutter Solutions

We specialize in providing advice on personalized solutions for your personal finances. Clients that work with us receive solutions and ongoing care customized to their circumstances, priories, and needs as if they are family.

Simplicity Over Complexity

Personal finances should be made as simple as possible, but not over simplified. Taxes, regulations, and emotions about money add complexities, and we strive to help you navigate around them. Financial jargon adds undue complexity. We translate the jargon and will try our best to be jargon free. Financial products are often laden with complexity. We don’t see financial products, but we’ll give you objective advice about them. 

Certified Financial Planner

CFP Board is a non-profit organization acting in the public interest by fostering professional standards in personal financial planning. Only those financial planners who have fulfilled the CFP Board’s rigorous requirements and adhere to strict ethical standards can call themselves a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional.

Chartered Financial Activist

The CFA Institute is the premier global organization for investment management professionals. The CFA® designation is the highest distinction in the investment management profession, and demonstrates a strong understanding of advanced investment analysis and real-world portfolio management skills.

XY Planning Member

Regardless of your age or assets, fee-for-service XY Planning Network advisors are dedicated to working in your best interests. XYPN planners hold the CFP designation, are sworn fiduciaries and offer virtual financial planning.

NAPFA Member

The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.