# Thomas Reynolds

> Thomas Reynolds is a fee-only financial advisor at CRA Financial in Northfield, New Jersey. Thomas charges a percentage of assets (1% a year on the first tier of assets managed) and focuses on retirement planning, tax planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/thomas-reynolds/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** CRA Financial
- **Based in:** Northfield, New Jersey
- **Fee model:** Percentage of assets
- **Fees (firm's website):** 1% a year on the first tier of assets managed
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $1.69B across 4,030 accounts
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning, Equity compensation, Small business owners, Family wealth transfer
- **Works with:** Retirees, Divorced individuals
- **CRD:** 3152986 (https://adviserinfo.sec.gov/individual/summary/3152986)
- **SEC registration:** Investment adviser representative in NJ, TX
- **Exams passed:** Series 66 (1999)
- **Firm size:** 14 employees
- **Disclosures:** None reported
- **Website:** https://www.crafinancial.com

## Frequently asked questions

### Is Thomas Reynolds a fee-only financial advisor?

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

### How does Thomas charge for financial advice?

Thomas charges a percentage of assets.

### How much does Thomas charge?

According to CRA Financial's website, checked October 30, 2026: 1% a year on the first tier of assets managed.

### Where is Thomas Reynolds based?

Thomas Reynolds is based in Northfield, New Jersey.

### What does Thomas specialize in?

Thomas's specialties include retirement planning, tax planning, estate & legacy planning, equity compensation, small business owners and family wealth transfer. Thomas works with retirees and divorced individuals.

### Is Thomas Reynolds registered with the SEC?

Yes. Thomas Reynolds is registered as an investment adviser representative in NJ and TX (CRD 3152986), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does CRA Financial manage?

CRA Financial reports $1.69B across 4,030 accounts in assets under management.

### How do I contact Thomas Reynolds?

Through Thomas's website, www.crafinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/3152986): 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
- The firm's website (https://crafinancial.com/): specialties, clients served, and fees, checked October 30, 2026

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