{"url":"https://nivawealth.com/firms/cfs-wealth-management-135579","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/135579","regulatoryAum":189052740,"crd":"135579","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2507388","suffix":null,"lastName":"ANDERSON","firstName":"STEPHEN","middleName":"DALE"},{"crd":"2852176","suffix":null,"lastName":"CHAPMAN","firstName":"WADE","middleName":"TIMOTHY"},{"crd":"3270458","suffix":null,"lastName":"DALLAS","firstName":"LUCINDA","middleName":"F"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2024-07-01","regulatoryAum":135590926,"clients":314,"employees":3,"offices":2},{"filedOn":"2025-05-05","regulatoryAum":158728705,"clients":457,"employees":3,"offices":2},{"filedOn":"2026-03-12","regulatoryAum":189052740,"clients":465,"employees":3,"offices":2}],"secFileNumber":"801-130591","legalName":"CFS Wealth Management, LLC","displayName":"CFS Wealth Management","slug":"cfs-wealth-management-135579","website":"https://cfswealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Georgia limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1515 Bass Road, Suite D","city":"Macon","state":"GA","stateName":"Georgia","country":"United States","postalCode":"31210"},"tradeNames":[],"registration":{"secApproved":"2 July 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LLC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017871","versionId":1017871,"submittedOn":"2026-03-12"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017872","versionId":1017872,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=915071","versionId":915071,"submittedOn":null}]},"custodians":[{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":189052740}],"custodyNote":"CFS Wealth Management does not have custody of client assets.","leadership":[{"name":"Wade Chapman","title":"Sole Member, Managing Member, Named President, Chief Compliance Officer & (3.2008) 100% Owner","crd":"2852176"}],"ownership":[{"label":"Wade Chapman","detail":"Sole member, managing member, named president, chief compliance officer & (3.2008) 100% owner in the 75% or more ownership band and a control person, since May 2005."}],"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Georgia","offices":2,"addresses":[{"street":"1515 Bass Road, Suite D","city":"Macon","headquarters":true},{"street":"121 North Broad Street","city":"Thomasville"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"478-471-1875","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Other"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":62},{"label":"U.S. government/agency bonds","percent":3},{"label":"Securities issued by registered investment companies or business development companies","percent":5},{"label":"Cash and cash equivalents","percent":30}],"privateFunds":0},"sources":{"adv1FilingDate":"12 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/135579/PDF/135579.pdf","brochureDate":"12 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017871","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does CFS Wealth Management have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does CFS Wealth Management offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does CFS Wealth Management charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does CFS Wealth Management use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does CFS Wealth Management have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does CFS Wealth Management invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns CFS Wealth Management?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does CFS Wealth Management get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is CFS Wealth Management registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact CFS Wealth Management?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 12 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}