Candela Financial fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed September 14, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$250/hr

“Our hourly rate is $250.”

Flat or project fee

$4,000⁠-⁠$10,000

“Fixed fee rates range between $4,000 to $10,000.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Candela Financial bills

Payment and refund terms, quoted from the fee section of the brochure.

• “Fees are negotiable and some fees may vary by Client for similar services.”
• “The fee is based on an initial fee and a percentage of assets under management and is negotiable.”
• “The annual advisory fee is paid quarterly in arrears based on the average daily balance of the Client’s account(s).”

How Candela Financial’s fees compare

• Its hourly rate of $250 matches the Ohio median of $250. 40% of the 219 other Ohio planners that publish an hourly rate charge less.
• 1 of the 2 other planners in Toledo that publish an hourly rate charge less.
• Its flat or project fee of $4,000-$10,000 is above the Ohio median of $3,250. 78% of the 199 other Ohio planners that publish a flat or project fee charge less.
• 2 of the 2 other planners in Toledo that publish a flat or project fee charge less.

About Candela Financial

• Principal: Randall Johnson
• Solo practice: one person runs the firm, so you work directly with the planner.
• Meets clients remotely: the brochure mentions virtual or online meetings.
• Registered as an adviser: 2025.

Planning areas mentioned in the brochure

• Retirement planning
• Estate planning
• College planning
• Business owners
• Cash flow and budgeting

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

2% a year

Clients

1

Employees

1

Works with

Individuals

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, selecting other advisers, and educational seminars and workshops

Assets managed

$20,900

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

335785

Website

candelafinancial.com (opens in new tab)

Phone

(419) 299-6842

Other planners in Toledo that publish fees

• Alan B. Lancz & Associates, Inc.Toledo$275/hr, $500⁠-⁠$2,400
• Ruiz Financial Group, LLCToledo$250, $750/mo
• Tayyib Investments LLCToledo$90⁠-⁠$160/hr
• 1TaxfinancialCincinnati$300/hr
• Aan Wealth Advisors LLCCanton$250/hr
• Access Wealth Group, LLCDublin$150⁠-⁠$400/hr

Compare all 8 planners in Toledo