# Values Added Financial

Values Added Financial is a Bank / Wealth / Trust based in Washington, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Washington, United States
- **Region:** North America
- **Address:** Washington, DC, United States
- **Founded:** 2017
- **Assets under management:** Undisclosed
- **Website:** valuesaddedfinancial.com
- **LinkedIn:** https://www.linkedin.com/company/11203957

## Regulatory record

- **CRD number:** 288912
- **SEC file number:** 801-122265
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/288912

## About

Candace J. Kaplan established Values Added Financial in 2017, structuring it as a registered investment advisor in Washington, DC. The firm grew from Kaplan's prior advisory practice and serves households, trusts, and small entities. Its wealth-management franchise is built around high-touch financial planning rather than a proprietary capital base, setting it apart from single-family offices or institutional multi-family platforms. Values Added Financial advises clients on retirement accumulation and distribution, tax-aware asset location, estate-transfer planning, and charitable strategies. The firm constructs portfolios primarily from low-cost exchange-traded funds and mutual funds, implemented on institutional custodial platforms. Client mandates skew heavily toward capital preservation and income generation, reflecting a base of near-retiree and retiree households across the greater Washington metro. The practice does not run co-investment vehicles, direct private-company deals, or SPVs. As a boutique advisory practice, the firm reports no dedicated institutional deployment capital or published AUM. Public records indicate a small professional footprint consistent with a two-to-five-person advisory team anchored in the District of Columbia. Recent disclosures show the firm strengthening its service model for nonprofit endowments and small foundations, advising on investment-policy statements and board education for mission-aligned portfolios. Structurally, Values Added Financial functions less as an allocator deploying pooled family wealth and more as a fee-only gatekeeper orchestrating third-party-sourced investment building blocks. This architecture differs from the multi-family-office trend toward consolidated balance sheets and direct co-investment programs. By operating as an independent fiduciary without an in-house asset-management arm, the firm's economic incentives align with client-level advisory fees rather than product manufacturing margins.

## Questions

### How does Values Added Financial construct client portfolios?

Values Added Financial builds portfolios using low-cost exchange-traded funds and mutual funds held on institutional custodial platforms. The firm does not operate proprietary funds or private investment vehicles. Its investment approach focuses on retirement income, capital preservation, and tax-aware asset location rather than opportunistic or concentrated bets.

### Does Values Added Financial participate in direct private-market deals or fund commitments?

No. The practice does not engage in private-company direct investments, venture capital, private equity fund commitments, or co-investment vehicles. Its advisory model is built entirely on publicly traded securities and liquid fixed-income instruments implemented on third-party platforms.

### Who runs investment decisions at Values Added Financial?

Candace J. Kaplan serves as the founder and principal responsible for the firm's advisory framework. Day-to-day investment decisions follow a centralized process overseen by Kaplan, implemented through standard institutional custodial workflows rather than a separate investment committee or external CIO structure.

## Related profiles

- [Valued Wealth Advisors](https://altss.com/profile/valued-wealth-advisors)
- [ValueTrend Wealth Management](https://altss.com/profile/valuetrend-wealth-management)

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Last updated: 2026-06-03T20:00:00.000Z

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