Our Competitive Edge
How Cadent Capital Adds Value
Cadent Capital provides wealth management and multi-family office services. Wealth is shaped over time through a series of choices, and each step is an opportunity to make an impactful decision on accumulating, investing, and sustaining your wealth. Our role is to bring perspective and coordination to those choices. From the start, we take time to understand each client’s goals, priorities, and lifestyle to build a personalized plan designed to guide the relationship across multiple generations.
Team Approach
Cadent’s value is built through collaboration. This is extremely unique for our industry, and we’ve found that it has allowed clients to get the most out of their relationship with us. All of us at Cadent play a role on the team that serves all of our clients. Each member brings complimentary skills sets and contribute to relationships in their own way, at different times. Those perspectives are intentionally integrated into a single, cohesive strategy so clients benefit from collaboration rather than siloed advice. As goals evolve and complexity changes, we plug in the best combination of professionals given a client’s needs at the time.
This structure creates continuity, depth, and a higher standard of coordination across planning and investments. The result is guidance that is more complete, more consistent, and better suited to complex financial lives. It reduces blind spots, keeps priorities connected across disciplines, and ensures support matches the moment.
360-Degree Planning
We believe wealth management works best when it reflects real life. That means understanding what matters to you today and staying close as priorities change through job transitions, family changes, health updates, business decisions, and major financial events.
The more we understand, the more effectively we can guide you. With full context, we can connect decisions across taxes, estate planning, investments, and risk so your plan stays aligned with the life you’re building.
Depth of Expertise
Sound advice starts with a strong foundation: education, experience, and a commitment to ongoing development as laws, regulations, and guidance evolve. Our team includes professionals with industry credentials and specialized focus areas, including multi-generational planning, business owner strategy and liquidity events, estate and insurance planning, tax-aware coordination, and disciplined portfolio management.
Credentials are only part of the picture. What matters most is how that knowledge is applied—thoughtfully, consistently, and in coordination with your broader objectives. When we make recommendations, we focus on clarity, discipline, and an approach tailored to your circumstances.
Tax Strategy*
Tax-aware decisions can influence how wealth is built, sustained, and transferred. Our approach includes evaluating the potential after-tax impact of financial decisions while considering a broad range of relevant factors. When clients are evaluating estate structures or more complex planning strategies, we work in coordination with your CPA and attorney so that the legal and tax advice comes from the appropriate professionals while we help align the investment and planning implementation.
*While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.
Our Compensation Structure**
We primarily offer fee-based advisory services charging a fee based on a client's total assets under advisement. However, if deemed appropriate and in our client's best interest, we also provide commissioned brokerage services. Though our financial advisor provides clients with great care and recommendations, advisors only have a legal fiduciary obligation to advisory clients.
We use a fee-based advisory approach because it supports a relationship built around advice and ongoing guidance. We believe an asset-based fee helps align compensation with the work of monitoring, planning, and service over time. No compensation structure eliminates all conflicts, but a fee-based model can help reduce potential conflicts. We are committed to providing the broader support that comes with serving complex family needs. We strongly believe that transparency matters, so we prioritize each client’s understanding of how fees are charged and how they fit within the broader advisory relationship.
**In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the practice's Form ADV Part II as well as the client agreement. Services rendered will be dependent on applicable agreements. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision.
