CND FINANCIAL

RIASEC RegisteredEst. 2021

Total AUM

$199M

Discretionary

$195M

98% of AUM

Avg account

$1.1M

Accounts

189

Employees

Advisory reps

Firm details

Headquarters: LIVONIA, Michigan
CRD number: 110180
Registered since: July 28, 2021
Custodians: CHARLES SCHWAB & CO., INC.
Fee structure: Percentage of AUM, Hourly Charges
Client types: HNWI80.52%
Individuals17.35%
Pension & Profit Sharing Plans2.13%
Services: Financial PlanningPortfolio Management for IndividualsSelection of Other Advisers

Firm profile

FINTRX

Overview

CND Financial is an independent registered investment adviser that acts as a capital allocator for both individuals and families as well as select institutional clients. The firm combines traditional financial planning and portfolio management for individuals and small businesses with the selection and oversight of third‑party managers, which positions it to outsource specialized sleeves while retaining strategic control over client asset mixes. Fee arrangements include a percentage of AUM and hourly charges. Investment emphasis skews toward pooled public vehicles—mutual funds and similar public funds—while the firm also makes targeted allocations to alternatives. CND Financial is not an active ESG investor and maintains a single‑owner structure under individual ownership. The adviser registered with the SEC in 2021 and describes itself as an independent RIA rather than a broker/dealer or wirehouse affiliate.