# CRA Financial Services, L.L.C.

> CRA Financial Services, L.L.C. is an SEC-registered investment advisory firm in Northfield, NJ, registered since 2003, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated May 15, 2026.

- CRD: 124004
- Filed as: CRA FINANCIAL SERVICES, L.L.C.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Northfield, NJ
- Filing period: October 2026
- Form ADV filing dated: May 15, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/124004
- AdvisorCensus page: https://advisorcensus.com/firm/cra-financial-services-l-l-c-northfield-nj-124004

## Quick answers

**How is CRA Financial Services, L.L.C. compensated?**
On its Form ADV (Item 5.E, October 2026), CRA Financial Services, L.L.C. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does CRA Financial Services, L.L.C. charge?**
Its Form ADV Part 2A brochure dated March 12, 2026 states: Asset-based fee: 0.75% to 1% a year (a range, as the brochure states it); Flat fee: $1,000 to $5,000 (financial planning and consulting services); Hourly rate: $300 an hour (financial planning and consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is CRA Financial Services, L.L.C. located?**
CRA Financial Services, L.L.C.'s principal office is in Northfield, NJ, according to its Form ADV; the June 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is CRA Financial Services, L.L.C. registered with the SEC or a state?**
CRA Financial Services, L.L.C. is an SEC-registered investment advisory firm, registered since 2003. Status as filed: Approved. CRD 124004.

**How much does CRA Financial Services, L.L.C. manage?**
CRA Financial Services, L.L.C. reports $1,693,368,017 in regulatory assets under management in its Form ADV filing dated May 15, 2026 (90% discretionary).

**How have CRA Financial Services, L.L.C.'s assets and staff changed since 2021?**
In the Form ADV data for CRA Financial Services, L.L.C.: Regulatory assets under management: $907,124,846 in the October 2021 data and $1,693,368,017 in the October 2026 data, up 87%. Total employees: 11 in October 2021 and 14 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does CRA Financial Services, L.L.C. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (922); high net worth individuals (377); pension and profit sharing plans (but not the plan participants or government pension plans) (82).

**Which custodians does CRA Financial Services, L.L.C. use?**
CRA Financial Services, L.L.C.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Fidelity Distributors Company LLC as custodians holding 10% or more of its separately managed account assets.

**Does CRA Financial Services, L.L.C. report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/124004

**Does CRA Financial Services, L.L.C. state an account minimum?**
Its Form ADV Part 2A brochure dated March 12, 2026 says: "CRA does not impose a minimum account size or minimum annual fee requirement."

**What changed in CRA Financial Services, L.L.C.'s recent Form ADV filings?**
In the June 2026 filing data: Added an office in Haddonfield, NJ.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 12, 2026)

- Asset-based fee: 0.75% to 1% a year (a range, as the brochure states it)

> The annual fee varies (generally between 0.75% and 1.00%) depending upon the market value of the assets under management per the fee schedule that is a part of its Investment Advisory Agreement.

- Account minimum: None

> CRA does not impose a minimum account size or minimum annual fee requirement.

- Flat fee: $1,000 to $5,000 (financial planning and consulting services)

> CRA charges a fixed fee and/or hourly fee for financial planning and consulting services depending on the particular client engagement. These fees are negotiable, but generally range from $1,000 to $5,000 on a fixed fee basis

- Hourly rate: $300 an hour (financial planning and consulting services)

> CRA charges a fixed fee and/or hourly fee for financial planning and consulting services depending on the particular client engagement. These fees are negotiable, but generally range from $1,000 to $5,000 on a fixed fee basis and/or $300 on an hourly rate basis

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- Fidelity Distributors Company LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $1,693,368,017
- Discretionary: $1,519,482,721
- Non-discretionary: $173,885,296

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 922 | $273,227,175 |
| High net worth individuals | 377 | $1,126,293,422 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 82 | $212,522,323 |
| Charitable organizations | 19 | $16,617,169 |
| Corporations or other businesses not listed above | 33 | $64,707,928 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2003 (23 years)
- Employees: 14 total, 11 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, DE, FL, LA, MD, NC, NH, NJ, NV, NY, PA, SC, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the June 2026 filing
- Haddonfield, NJ

### Websites listed on Form ADV (Item 1.I)
- crafinancial.com
- Facebook @crafinancialllc
- LinkedIn @CRAFINANCIALLLC
- LinkedIn @joe-mccaffrey-cra
- LinkedIn @robert-t-martin-cfa-cfp®-mba-4b77a012

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $907,124,846 | 11 | March 15, 2021 |
| October 2022 | $1,108,444,201 | 13 | September 6, 2022 |
| October 2023 | $966,091,824 | 13 | March 28, 2023 |
| October 2024 | $1,200,689,624 | 13 | April 1, 2024 |
| October 2025 | $1,451,447,613 | 14 | March 26, 2025 |
| October 2026 | $1,693,368,017 | 14 | May 15, 2026 |

Regulatory assets under management: $907,124,846 in the October 2021 data and $1,693,368,017 in the October 2026 data, up 87%.
Total employees: 11 in October 2021 and 14 in October 2026.

## Changes in the filing (last 12 months)

### June 2026
- Added an office in Haddonfield, NJ.

### April 2026
- Employees performing advisory functions went from 7 to 11.
- Regulatory assets under management went from $1,451,447,613 to $1,693,368,017 (+17%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. CRA Financial Services, L.L.C. (CRD 124004): Form ADV filing data as of October 2026.