Process & Services

At Candent, we partner with our clients to help them achieve and maintain financial wellness. We believe that financial wellness enables people to enjoy their pursuits with confidence. Our job is to protect savings and grow wealth while simplifying the complexities of personal finance for our clients. At the direction of our clients, we will coordinate with their tax and legal advisors to streamline the process and provide comprehensive solutions to address their financial needs.

How Candent Works With Clients - New

Candent simplifies the complexities of personal finances by coordinating with other advisors while providing financial planning and investment management services

Financial Planning

Candent's wealth management process is consistent and continuous

Candent’s wealth management process emphasizes consistency and continuity

  • Development of comprehensive understanding of your current financial position
  • Comprehensive action plan for financial wellness based on
  • Comprehensive review and integrated evaluation of situation across financial accounts (including banking, investments, IRA, 401(k), etc.)
  • Define & quantify investment goals and needs
  • Risk review – Tolerance, Need, Capacity
  • Tax coordination, asset location
  • Net worth analysis
  • Spending analysis
  • Retirement analysis
  • Education savings analysis
  • Stock option analysis
  • Insurance analysis

Investment Management

  • Determine comfort level for investment risk
  • Review current investment strategy
  • Establish personalized investment guidelines in Investment Policy Statement (IPS)
  • Diversify portfolio
  • Perform due diligence on funds, managers and securities to implement portfolio
  • Employ risk controls
  • Regularly monitor conditions, rebalance and adjust portfolio as needed