Cra Financial Services provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, estate planning, insurance, and tax planning. Financial planning was provided to 251–500 clients last fiscal year.
Cra Financial Services reports 1,433 clients. They include 922 individual clients, 377 high-net-worth individuals, and 82 pension and profit-sharing plans. Of its assets, 89.7% ($1.52B across 3,544 accounts) are managed with discretion; $174M across 486 accounts are not. Of its clients, 1% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 64% | 16% |
| High-net-worth individuals | 26% | 67% |
| Pension and profit-sharing plans | 6% | 13% |
| Charitable organizations | 1% | <1% |
| Corporations and other businesses | 2% | 4% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 922 | $273M | 16.1% | $296K |
| High-net-worth individuals | 377 | $1.13B | 66.5% | $2.99M |
| Pension and profit-sharing plans | 82 | $213M | 12.6% | $2.59M |
| Charitable organizations | 19 | $16.6M | 1.0% | $875K |
| Corporations and other businesses | 33 | $64.7M | 3.8% | $1.96M |
| Total | 1,433 | $1.69B | 100% | $1.18M |
- Clients
- 922
- Regulatory AUM
- $273M
- AUM share
- 16.1%
- Avg. per client
- $296K
- Clients
- 377
- Regulatory AUM
- $1.13B
- AUM share
- 66.5%
- Avg. per client
- $2.99M
- Clients
- 82
- Regulatory AUM
- $213M
- AUM share
- 12.6%
- Avg. per client
- $2.59M
- Clients
- 19
- Regulatory AUM
- $16.6M
- AUM share
- 1.0%
- Avg. per client
- $875K
- Clients
- 33
- Regulatory AUM
- $64.7M
- AUM share
- 3.8%
- Avg. per client
- $1.96M
Total
- Clients
- 1,433
- Regulatory AUM
- $1.69B
- AUM share
- 100%
- Avg. per client
- $1.18M
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Cra Financial Services charges 0.75%–1.00% a year for its Investment management. The fee is billed in advance. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning and consulting
- Fixed fee generally $1,000 to $5,000 and/or hourly at $300, negotiable, depending on the engagement.
Thomas Reynolds owns 25% to 50% of Cra Financial Services. The leadership team of Cra Financial Services includes Chief Compliance Officer Donna Savastani. It has 14 employees, 11 of them in advisory roles.
Leadership
- Donna SavastaniChief Compliance Officer
- Thomas ReynoldsManaging Member
- Matthew ReynoldsManaging
- Robert MartinMember
Investment adviser representatives
12 representatives listed in the SEC register as of 9 October 2026.
- Jennifer Marie Colon
- Jeffrey Wilbur Hilliard
- John Timothy Hughes
- Robert Thomas Martin
- Joseph McCaffrey
- Jarman Edward Reilly
- Matthew John Reynolds
- Thomas Edward Reynolds
- Donna Savastani
- Gordon Schurch Shearer JR
- Samantha Rae Swiderski
- Philip Tompkins
Staff
- 14 employees
- 11 in advisory functions
- 11 state-registered reps
- 1 soliciting firm
- Owns 25% to 50% of Cra Financial Services, L.L.C.
Thomas Reynolds
Control person · since August 1999
- Owns 25% to 50% of Cra Financial Services, L.L.C.
Matthew Reynolds
Control person · since August 1999
- Owns 10% to 25% of Cra Financial Services, L.L.C.
Robert Martin
since September 2018
Cra Financial Services’ regulatory assets grew 1.9× from $907M (March 2021) to $1.69B (May 2026); clients rose from 929 to 1,433 and employees from 11 to 14.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| May 2026May 2026 | $1.69B | 1,433 | 14 | 2 |
| Mar 2025March 2025 | $1.45B | 1,366 | 14 | 1 |
| Apr 2024April 2024 | $1.2B | 1,272 | 13 | 1 |
| Mar 2023March 2023 | $966M | 1,128 | 13 | 1 |
| Jun 2022June 2022 | $1.11B | 1,023 | 13 | 1 |
| Mar 2021March 2021 | $907M | 929 | 11 | 1 |
Besides its headquarters, Cra Financial Services has 1 office, with 2 listed addresses in 1 state.
New Jersey · 2 listed addresses
- 332 Tilton Road, NorthfieldHQ
- 25 Chestnut Street, Haddonfield
Contact and registration details
- Legal name
- Cra Financial Services, L.L.C.
- Headquarters
- 332 Tilton Road, Northfield, NJ 08225
- Website
- crafinancial.com
- Phone
- 609-380-3500
- SEC file
- 801-62232
- Founded
- 2000
- Structure
- New Jersey LLC
- Fiscal year end
- December
Cra Financial Services’ named custodians for separately managed accounts are Fidelity ($1.26B, 75%) and Charles Schwab ($423M, 25%). Cra Financial Services has custody of $421M for 579 clients.
- FidelityFidelity Distributors Company LLC · Smithfield, RI · $1.26B75%
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $423M25%
At year end, Cra Financial Services’ separately managed accounts were mostly in funds (66%) and stocks (19%). Its reported 13F holdings for the quarter ended 30 June 2026 total $868M across 321 positions; the largest are Apple Inc. (6.7%), Schwab Strategic TR (4.5%) and Schwab Strategic TR (4.1%).
What the accounts hold
- Stocks19%
- Funds66%
- Registered funds65%
- Pooled vehicles1%
- Bonds5%
- State and local bonds2%
- Investment grade corporate bonds2%
- U.S. government and agency bonds1%
- Cash9%
- Other1%
- Annuities, principal paydowns, options1%
Reported 13F holdings
- $868M
- Reported 13F value
- 321
- Positions
- 36.6%
- In the 10 largest
- +12.7%
- Value vs. prior quarter
- Apple Inc.6.7%
- Schwab Strategic TR · US Dividend EQ4.5%
- Schwab Strategic TR · US Lcap GR ETF4.1%
- Amazon Com Inc.3.8%
- Invesco Qqq TR · Unit Ser 13.7%
- Nvidia Corporation3.1%
- Vanguard Index Fds · Total Stk Mkt2.9%
- Alphabet Inc. · Cap Stk CL A2.8%
- iShares TR · Core S&P500 ETF2.7%
- Wisdomtree TR · US Qtly Div Grt2.4%
Together, the ten largest are 36.6% of reported value.
How many clients does Cra Financial Services have?
Cra Financial Services has 1,433 clients and manages $1.69 billion for them, as of May 2026. They include 922 individual clients, 377 high-net-worth individuals, and 82 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 15 May 2026
What services does Cra Financial Services offer?
Cra Financial Services provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Cra Financial Services charge?
Cra Financial Services charges 0.75%–1.00% a year for its Investment management. The fee is billed in advance.
Source: CRA FINANCIAL SERVICES, L.L.C. DISCLOSURE BROCHURE, filed 12 March 2026
Which custodians does Cra Financial Services use?
Cra Financial Services’ separately managed account assets are held at Fidelity Distributors Company LLC (Smithfield, RI), with $1.26B and Charles Schwab & Co., Inc. (Westlake, TX), with $423M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 15 May 2026
How many financial advisors does Cra Financial Services have?
Cra Financial Services has 11 investment adviser representatives registered with state securities authorities, out of 14 employees, and 11 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Cra Financial Services invest in?
At the end of its last fiscal year, Cra Financial Services’ separately managed accounts held 65% registered funds (mutual funds, ETFs, BDCs), 19% exchange-traded equities, 9% cash and equivalents, 2% state and local bonds, 2% investment grade corporate bonds, 1% U.S. government and agency bonds, 1% pooled vehicles (private funds and similar) and 1% other. The 1% other category is described as: Annuities, Principal Paydowns, Options.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Cra Financial Services?
Cra Financial Services’ direct owners are Thomas Reynolds, Matthew Reynolds and Robert Martin, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 15 May 2026
How does Cra Financial Services get paid?
Cra Financial Services is paid through a percentage of assets under management, hourly charges 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
How do I contact Cra Financial Services?
Cra Financial Services’ main office is at 332 Tilton Road, Northfield, NJ 08225. Its phone number is 609-380-3500. Its website is crafinancial.com.