CRA Financial

What CRA Financial does

CRA Financial, LLC is a privately held, SEC-registered investment advisory firm headquartered in Northfield, New Jersey, with a second office in Haddonfield. Founded in 2000 by Matthew J. Reynolds and Thomas E. Reynolds, the firm operates as a fiduciary wealth manager serving more than 900 individual clients with approximately $1.7 billion in assets under management as of December 31, 2025. The client base centers on high-net-worth individuals, business owners, retirees, small business owners, professional athletes, and individuals navigating major life transitions.

The firm delivers customized portfolio management alongside a comprehensive financial planning offering that integrates investment, tax, retirement, estate, insurance, education, and business succession planning. Portfolio construction spans equities, fixed income, alternative investments, and selective private market access, with thematic overlays including ESG/socially responsible investing and cryptocurrency exposure. Operational infrastructure relies on Charles Schwab and Fidelity as custodial platforms and eMoney as the financial planning platform, with tax-aware investment selection supported by a strategic partnership with Capaldi, Reynolds & Pelosi, CPA P.A., a 30+ CPA firm.

The business model is a tiered AUM-based fee schedule: 1.0% on the first $3M, 0.85% on $3M–$5M, 0.75% on $5M–$10M, and custom pricing above $10M, with no commissions or hidden fees. Go-to-market relies on direct advisory relationships, discovery calls via Calendly, an email newsletter of 500+ subscribers, content marketing (market commentary, ESG, crypto topics), and a referral network anchored by the CPA firm partnership and community involvement. The team comprises roughly 11 named professionals including CFP®s, a CFA charterholder, two CPAs, an Operations Manager, a Chief Compliance Officer, and client service staff.

Name

CRA Financial

Legal name

CRA Financial, LLC

Website

https://crafinancial.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

CRA Financial, LLC is a privately held, SEC-registered fiduciary wealth management firm in Northfield, New Jersey, serving more than 900 individuals with $1.7B in assets under management. It delivers customized portfolio management and integrated financial planning, charging tiered AUM-based fees via Charles Schwab and Fidelity custody.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Finance Services (6199)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

Keywords

• Wealth management services
• Fiduciary financial planning
• Investment management
• Retirement planning
• Tax planning services

Headquarters

HQ city

Northfield

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Assets Under Management (AUM) Fee: CRA Financial charges an annual percentage fee on assets under management. The fee is tiered based on AUM size, ranging from 1.0% for $0-$3M to 0.85% for $3M-$5M, 0.75% for $5M-$10M, with custom pricing for $10M+. No commissions, no hidden fees, and clients can cancel anytime without penalty.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

CRA Financial is a fiduciary wealth management firm that provides customized portfolio management and comprehensive financial planning for high-net-worth individuals, business owners, retirees, and professional athletes. The firm manages approximately $1.7 billion in assets for over 900 clients, offering tax-aware investment selection, retirement planning, estate planning, and specialized services such as equity compensation and cryptocurrency investment advisory.

Product overview

CRA Financial is a fiduciary wealth management firm offering a comprehensive suite of financial services. The core offerings include Customized Portfolio Management and Financial Planning, supplemented by specialized services covering Retirement Planning, Tax Planning, Estate Planning, Insurance Planning, Business Succession Planning, and Equity Compensation Planning. The firm also offers thematic investing options including ESG/Socially Responsible Investing and Bitcoin/Cryptocurrency exposure. Services are delivered through institutional custodians Fidelity and Charles Schwab, with an emphasis on tax efficiency and fiduciary duty. The firm charges fees based on assets under management with a tiered fee schedule ranging from 1.0% for $0-$3M to 0.75% for $5M-$10M.

Differentiator

Problem solved

Functional benefit

Products and services

• Customized Portfolio Management

Named customers1 record

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• Capaldi, Reynolds & Pelosi, CPA P.A.coreStrategic or Co-development PartnerStrategic partnership with a certified public accounting firm with over 30 CPAs on staff. CRA has two CPAs on their investment team. This partnership enables tax-aware investment selection focusing on after-tax returns for clients.
• Charles SchwabcoreTechnology or IntegrationCustodian and platform provider for client accounts. Clients receive online access to their accounts through Charles Schwab. Business continuity plan references Schwab at (800) 515-2157 or www.schwaballiance.com.
• Fidelity InvestmentscoreTechnology or IntegrationCustodian and platform provider for client accounts. Clients receive online access to their accounts through Fidelity. Business continuity plan references Fidelity at (800) 972-2155 or www.fidelity.com.
• eMoneycoreTechnology or IntegrationFinancial planning platform used by CRA for comprehensive planning services. Clients access the platform through wealth.emaplan.com.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Buckingham Strategic Wealth: Fee-only fiduciary RIA delivering evidence-based portfolio management and comprehensive financial planning; closely mirrors CRA's value proposition around fiduciary standard, transparent AUM fees, and academic investment philosophy.
• Hightower Advisors: National RIA partnership platform that onboards high-quality fiduciary advisors; comparable to CRA in fiduciary model, AUM-based fees, and HNW/business-owner focus, but with materially greater scale and national footprint.
• Facet Wealth: Fee-only fiduciary RIA serving HNW and mass-affluent clients with comprehensive financial planning; directly comparable to CRA on fee-only, planning-led, AUM-tiered model, though distributed virtually rather than via local offices.
• Carson Group (Carson Wealth): Comprehensive wealth management RIA with fiduciary, fee-based advisory practices serving HNW and business-owner clients; comparable service mix (financial planning, tax-aware investing, retirement) and overlapping segment focus.
• Wealth Enhancement Group: Fee-based RIA consolidator with deep financial planning, tax, and retirement offerings serving HNW households; directly comparable to CRA on integrated planning-led model and segment focus.

Broad incumbents

• Cetera Financial Group: Large broker-dealer and RIA platform serving independent advisors; comparable to CRA at the practice level (fiduciary advisory, AUM fees, planning) but operating as a much larger multi-affiliate incumbent with affiliated custody and technology stack.
• Edelman Financial Engines: One of the largest independent fee-only RIAs, combining comprehensive financial planning with portfolio management; broader and more nationally distributed than CRA but operates the same fiduciary, planning-led model.
• Mariner Wealth Advisors: Large national RIA offering the same comprehensive wealth management stack as CRA (planning, tax, estate, retirement) but with significantly greater AUM, multi-state offices, and institutional scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/crafinancialllc
• YouTubeyoutube.com/c/crafinancial
• Facebookfacebook.com/crafinancialllc
• LinkedInlinkedin.com/company/crafinancialllc
• Instagraminstagram.com/crafinancial

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CRA Financial