CFS Wealth Management provides financial planning and portfolio management for individuals and small businesses.
CFS Wealth Management reports 465 clients. They include 396 individual clients and 69 high-net-worth individuals. Of its assets, 96.4% ($182M across 461 accounts) are managed with discretion; $6.71M across 4 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 85% | 23% |
| High-net-worth individuals | 15% | 77% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 396 | $43.4M | 23.0% | $110K |
| High-net-worth individuals | 69 | $146M | 77.0% | $2.11M |
| Total | 465 | $189M | 100% | $407K |
- Clients
- 396
- Regulatory AUM
- $43.4M
- AUM share
- 23.0%
- Avg. per client
- $110K
- Clients
- 69
- Regulatory AUM
- $146M
- AUM share
- 77.0%
- Avg. per client
- $2.11M
Total
- Clients
- 465
- Regulatory AUM
- $189M
- AUM share
- 100%
- Avg. per client
- $407K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
CFS Wealth Management charges 1.25%–2.00% a year for its Percentage of Account Value. The fee is billed in advance. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Hourly Financial Plans
- Financial plans and retirement evaluations are billed hourly at $250, with a maximum cost stated in the agreement.
Wade Chapman owns 75% or more of CFS Wealth Management. The leadership team of CFS Wealth Management includes President Wade Chapman. It has 3 employees.
Leadership
Wade ChapmanSole Member, Managing Member, Named President, Chief Compliance Officer & (3.2008) 100% Owner
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- 1 broker-dealer rep
- 3 insurance agents
- Owns 75% or more of CFS Wealth Management, LLC
Wade Chapman
Control person · since May 2005
CFS Wealth Management’s regulatory assets grew from $136M (July 2024) to $189M (March 2026); clients rose from 314 to 465 and employees were 3 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $189M | 465 | 3 | 2 |
| May 2025 | $159M | 457 | 3 | 2 |
| July 2024 | $136M | 314 | 3 | 2 |
Besides its headquarters, CFS Wealth Management has 1 office, with 2 listed addresses in Georgia.
Georgia · 2 listed addresses
- 1515 Bass Road, Suite D, MaconHQ
- 121 North Broad Street, Thomasville
Contact and registration details
- Legal name
- CFS Wealth Management, LLC
- Headquarters
- 1515 Bass Road, Suite D, Macon, GA 31210
- Website
- cfswealth.com
- Phone
- 478-471-1875
- SEC file
- 801-130591
- Structure
- Georgia LLC
- Fiscal year end
- December
CFS Wealth Management uses Fidelity ($189M) as custodian for its separately managed accounts. CFS Wealth Management does not have custody of client assets.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $189M100%
At year end, CFS Wealth Management’s separately managed accounts were mostly in stocks (62%) and cash (30%).
What the accounts hold
- Stocks62%
- Funds5%
- Bonds3%
- Cash30%
How many clients does CFS Wealth Management have?
CFS Wealth Management has 465 clients and manages $189 million for them, as of March 2026. They include 396 individual clients and 69 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 12 March 2026
What services does CFS Wealth Management offer?
CFS Wealth Management provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does CFS Wealth Management charge?
CFS Wealth Management charges 1.25%–2.00% a year for its Percentage of Account Value. The fee is billed in advance.
Source: FORM ADV PART 2A CFS WEALTH MANAGEMENT, LLC, filed 12 March 2026
Which custodians does CFS Wealth Management use?
CFS Wealth Management’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $189M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 12 March 2026
How many financial advisors does CFS Wealth Management have?
CFS Wealth Management has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 3 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does CFS Wealth Management invest in?
At the end of its last fiscal year, CFS Wealth Management’s separately managed accounts held 62% exchange-traded equities, 30% cash and equivalents, 5% registered funds (mutual funds, ETFs, BDCs) and 3% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns CFS Wealth Management?
CFS Wealth Management’s direct owner is Wade Chapman (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 12 March 2026
How does CFS Wealth Management get paid?
CFS Wealth Management is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is CFS Wealth Management registered with the SEC?
Yes, CFS Wealth Management has been registered with the SEC as an investment adviser since 2 July 2024. Its CRD number is 135579 and its SEC file number is 801-130591.
Source: Form ADV Part 1A, Item 1, filed 12 March 2026; IAPD firm record
How do I contact CFS Wealth Management?
CFS Wealth Management’s main office is at 1515 Bass Road, Suite D, Macon, GA 31210. Its phone number is 478-471-1875. Its website is cfswealth.com.