# Craig Richards

> Craig Richards is a fee-only financial advisor at S&a Financial Services in Overland Park, Kansas. S&a Financial Services reports charging a percentage of assets and hourly fees on its Form ADV.

Page: https://find.wellspent.co/advisors/craig-richards/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** S&a Financial Services
- **Based in:** Overland Park, Kansas
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly
- **Assets under management (firm):** $392.3M across 1,884 accounts
- **CRD:** 1843427 (https://adviserinfo.sec.gov/individual/summary/1843427)
- **SEC registration:** Investment adviser representative in KS, TX
- **Exams passed:** Series 63 (1998), Series 66 (2000)
- **Firm size:** 7 employees
- **Disclosures:** None reported
- **Website:** https://www.safinancialservices.com/

## Frequently asked questions

### Is Craig Richards a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Craig holds no broker registration, and S&a Financial Services reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Craig charge for financial advice?

Craig's firm, S&a Financial Services, reports charging a percentage of assets and hourly fees on its SEC Form ADV.

### Where is Craig Richards based?

Craig Richards is based in Overland Park, Kansas.

### Is Craig Richards registered with the SEC?

Yes. Craig Richards is registered as an investment adviser representative in KS and TX (CRD 1843427), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does S&a Financial Services manage?

S&a Financial Services reports $392.3M across 1,884 accounts in assets under management.

### How do I contact Craig Richards?

Through Craig's website, www.safinancialservices.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/1843427): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.