True Fee-Only Fiduciary
We are legally and ethically bound to put your financial interests first. We never accept commissions, 12b-1 trails, finder's fees, or kickbacks from any fund company, broker-dealer, or insurance provider.
Fee-Only • Advice-Only • Fiduciary RIA
Transparent, Evidence-Based Guidance for Long-Term Wealth.
Candid Wealth Advisory LLC is a fee-only, advice-only registered investment adviser based in Plano, Texas, accepting clients from all states. We help individuals and families build resilient, low-cost index portfolios, structure defined-maturity bond ladders, and optimize multi-account tax location—while you retain 100% control and custody of your accounts.
100% Fee-Only
Zero commissions, zero AUM percentage drag
No Minimums
Hourly ($250/hr) or per-session flat pricing
7-Day Scheduling
Daytime, evening, weekend & remote sessions
Candid Wealth Advisory LLC • Fee-Only Fiduciary RIA
About Candid Wealth Advisory LLC
Unconflicted Financial Advice Built Around Complete Transparency
Traditional wealth management locks your assets into ongoing percentage fees (often 1% of AUM every year) or commissioned products. We founded Candid Wealth Advisory LLC to offer a clear, mathematical, client-first alternative.
Advice-Only & Self-Directed
You keep your accounts at low-cost custodians like Vanguard, Fidelity, or Charles Schwab. We never take custody or discretionary trading authority—we give you the exact blueprint and coach you step by step.
Hourly or Per-Session Clarity
Why pay thousands every year just because your portfolio grew? Engage us at our transparent $250/hour rate or under a customized flat per-session agreement—with zero account minimums.
Built for Real Schedules
Based in Plano, TX and accepting clients from all states, we offer consultations by appointment seven days a week (Monday–Sunday), including evenings and weekends, via video conference, telephone, or on-site visits.
Our Basic Investment Philosophies
Six Integrated Pillars Designed for Long-Term Trajectory
Just as our C-to-W ribbon flows continuously upward, our six investment pillars work together to reduce fee drag, capture mean-reversion rebalancing gains, protect liquidity, and minimize lifetime taxes.
1
Passive Index Foundation
Broad-Market, Low-Cost Index Investing
We build globally diversified portfolios using low-expense-ratio index mutual funds and ETFs across domestic and international equity and fixed-income markets—capturing market returns efficiently while eliminating unnecessary fund fees and turnover drag.
2
Strategic Partitioning
Market Slicing & Mean-Reversion Rebalancing
We slice equity exposure across distinct size and valuation segments (Large/Mid/Small Cap, Growth/Value, International Developed & Emerging). By rebalancing systematically with new cash inflows or periodic trades, you buy relative underperformers low and trim outperformers high.
3
Volatility Protection
Fixed-Income "Buffer Bonds" & Defined-Maturity Ladders
We avoid uncompensated long-term interest-rate duration risk by structuring fixed-income reserves with short/intermediate U.S. Treasuries and rolling multi-year Defined-Maturity Treasury ETF ladders sized to protect planned portfolio withdrawals.
4
Household Coordination
Multi-Account Tax-Efficient Asset Location
We optimize asset placement across your entire household—coordinating 401(k)/403(b)/457(b)/TSP plans (including Mega-Backdoor Roth), Traditional & Backdoor Roth IRAs, Taxable brokerage accounts, triple-tax-advantaged HSAs, 529 plans, and UTMA/UGMA accounts.
5
Cash & Yield Modeling
Banking & Tax-Equivalent Yield Optimization
We evaluate your federal marginal tax bracket, NIIT exposure, and state tax rate to calculate true after-tax compound yields across state-tax-exempt Treasury money market funds, municipal funds, ultra-short T-bill ETFs, and high-yield cash accounts.
6
Financial Empowerment
Comprehensive Financial Planning & Education
We deliver actionable retirement readiness projections, safe withdrawal modeling, equity compensation guidance (RSUs/ESPPs), debt prioritization, and custom rebalancing workbooks so you can manage your wealth with total clarity.
Personal Fiduciary Consultation
See If Candid Wealth Advisory LLC Can Meet Your Needs
Whether you want a targeted portfolio and tax-location overhaul, a custom market-slicing rebalancing plan, or ongoing per-session financial planning check-ins, connect directly with Candid Wealth Advisory LLC.
Candid Wealth Advisory LLC
Fee-Only, Advice-Only Registered Investment Adviser
We combine over a decade of quantitative index portfolio structuring and tax-optimization experience with systems engineering precision to deliver clear, actionable financial guidance.
- Firm Candid Wealth Advisory LLC
- Email info@candidwealthadvisory.com
Reach Out to Candid Wealth Advisory LLC
Complete the fields below to launch an email directly to info@candidwealthadvisory.com.