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DISCLOSURE BROCHURE, filed 12 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Cra Financial Services use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Cra Financial Services have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Cra Financial Services invest in?","answer":"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. 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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."}