A. Emissary Wealth LLC (“Adviser” or “Emissary Wealth”) is a federally registered investment adviser founded in 2020, principally located in the state of New Jersey and notice-filed in other states as applicable and is principally owned by Chris Cacchiola.
B. Adviser specializes in financial planning, which is the long-term process of proactively managing finances so clients can achieve their goals and dreams. Adviser provides financial planning, consulting, and investment management services: Financial Planning and Consulting Services Adviser will generally provide clients with a broad range of comprehensive financial planning and consulting services. These services include business planning, investment analysis and recommendations, insurance analysis, retirement planning, education funding, estate planning, and tax and cash flow management. Financial planning starts with goal setting, and depending on a specific client’s goals, the following areas may be addressed: Goal Setting/Data Gathering – Goal setting begins with an initial checkup meeting, to learn more about the goals that will be the focus of a client's financial plan. Adviser then collects all the financial data that it will need to identify what the client plans to accomplish, what resources will be needed, how much time client will need to reach the goal, and how much the client should budget for the goal.
Retirement planning – Retirement planning services include projections of a client's likelihood of achieving specific planning goals. If projections show less than the desired results, recommendations are made, which may impact the original projections by adjusting certain variables (e.g., saving more, spending less, increasing risk with investments, or working longer).
Advice may also be given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during the client’s retirement years if at or near retirement.
Employee Benefits Optimization – Adviser provides employee benefit plan services to employer plan sponsors on an ongoing basis. Generally, such services consist of assisting employer plan sponsors in establishing, monitoring, and reviewing their company's participant-directed retirement plan. As the needs of the plan sponsor dictate, areas of advising could include investment options, plan structure, and participant education.
Estate planning – In collaboration with client’s estate planning attorney, Adviser helps analyze and recommend appropriate estate planning techniques and tools. This includes reviewing the income needs of dependents or beneficiaries, charitable goals or objectives, business transition and trust management.
Insurance – Help to determine the proper amount and type of insurance for a client's current needs by comparing income needs to the client’s current balance sheet. This advice can cover life, disability, property, automobile, long-term-care, and umbrella liability insurance.
Charitable giving – Adviser provides advice regarding tax-appropriate vehicles to accomplish a client’s charitable and tax objectives, as well as determining which assets to use for funding such a vehicle.
Other planning services – Adviser provides advice regarding funding college accounts, real estate issues/consulting, business transition planning and family wealth preservation planning.
Investment Management Adviser provides ongoing discretionary and non-discretionary investment management services to its clients based upon each client’s current financial condition, goals, risk tolerance, income, liquidity requirements, investment time horizon, and other information that is relevant to the management of clients’ account(s). This information

will then be used to make investment decisions and recommendations that reflect clients’ individual needs and objectives on an initial and ongoing basis. Adviser’s recommendations will allocate portions of clients’ account(s) to various asset classes. For non-discretionary accounts, Adviser will review all such recommendations with clients, and clients will have the opportunity to accept or reject any recommendations. Clients with non-discretionary accounts are under no obligation to accept or implement any recommendation made by Adviser. For discretionary accounts, Adviser will retain the discretion to buy, sell, or otherwise transact in securities and other investments in a client’s accounts without first receiving the Client’s specific approval for each transaction. Such discretionary authority is granted by a client in his or her investment management agreement with Adviser.
At client’s request, our investment recommendations under this service may also cover certain designated assets which are “held away” from the accounts placed directly under our management (e.g., employer sponsored retirement accounts, 529 college savings plan accounts, and variable annuities). Clients will be responsible to monitor these assets and keep us informed of their status. Adviser will provide clients with advice regarding how to invest and allocate assets among the available investment options and clients will make the ultimate investment decisions and be responsible for implementation. In certain instances, and only with client’s authorization, we will assist clients with implementation of our investment recommendations regarding client’s held away assets.
When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours.
Private Fund Management Emissary Wealth serves as investment adviser for a private investment partnership (the “Fund”).
Emissary Wealth is charged by the General Partner of the Fund with the day-to-day investment of the Fund’s capital. Emissary Wealth provides investment advice directly to the Fund, the Client, rather than individually to Fund Investors. Emissary Wealth manages assets in accordance with the terms of the applicable governing documents of the Fund Investment restrictions for the Fund are generally established in the applicable governing document such as a limited partnership agreement or private placement memorandum (collectively “Fund Governing Documents”) for the Fund.
Each Fund Investor is required to meet certain suitability qualifications, such as being an “accredited investor” within the meaning set forth in Regulation D promulgated under the Securities Act of 1933, as amended, a “qualified purchaser” or “knowledgeable employee” as defined in the Investment Company Act, as amended. Fund Investors must also complete an investor questionnaire and must be able to represent that they do not fall into any of the categories outlined under Rule 506(d) of Regulation D.
C. Clients may impose restrictions on investing in certain securities or types of securities so long as such restrictions may reasonably be implemented by Adviser.
D. Adviser does not participate in any wrap fee programs.
E. As of December 31, 2023, Adviser manages the following discretionary and non-discretionary client assets: i.Discretionary: $117,441,682 ii.Non-Discretionary: $0