Firm Description Craft&Sage Wealth (“C&S Wealth” or the “Firm”) is an SEC registered investment advisor. John T.
Christy Financial Services, LLC, d/b/a C&S Wealth was founded on June 14th, 2012. C&S Wealth is a Missouri limited liability company, formerly known as John T. Christy Financial Services, LLC.
The Principal Owner and Chief Compliance Officer of C&S Wealth is John T. Christy. Megan Brenner is a minority owner and control person of C&S Wealth.
Types of Advisory Services The Firm offers a large variety of services, including portfolio management, investment analysis and financial planning for individuals and high net worth individuals, as well as businesses and charitable organizations. The Firm offers these services to clients or potential clients (“clients”).
Investment Advisory Services C&S Wealth specializes in quantitative, fundamental, technical, and economic analysis to determine what investments are in favor of C&S Wealth’s investment models. C&S Wealth assesses clients’ current holdings and ensures alignment with both short- and long-term goals. The Firm performs ongoing reviews of investment performance and portfolio exposure to market conditions. Accordingly, the Firm is authorized to perform various functions without further approval from the client, such as the determination of securities to be purchased or sold without prior permission from the client for each transaction. Any and all trades are made in the best interest of the client as part of C&S Wealth’s fiduciary duty. However, risk is inherent to any investing strategy and model. Therefore, C&S Wealth does not guarantee any results or returns.
Prior to engaging C&S Wealth to provide any investment advisory services, C&S Wealth requires a written financial service agreement (“FSA”) signed by the client prior to the engagement of any services. The FSA will outline services to which the client is entitled and fees the client will incur.
C&S Wealth is an asset-based fee investment management firm. The firm does not receive commissions for purchasing or selling stocks, bonds, mutual funds, real estate investment trusts, or other commissioned products for clients. The firm is not affiliated with entities that sell financial products or securities. No investment commissions in any form are accepted.
C&S Wealth does not act as a custodian of client assets. The client always maintains asset control.
C&S

Wealth places trades for clients under a limited power of attorney through qualified custodian/broker.
Investment Discretion When you engage us for portfolio management services, you will be required to grant C&S Wealth the discretionary authority to implement its investment recommendations directly within your investment accounts held at the custodian without obtaining your specific consent prior to each transaction. This authority will include the ability to engage and terminate third-party managers (“TPMs”) to manage all or a portion of your account, and to determine the allocation of assets between and among such TPMs within the pre-determined asset allocation ranges for your account(s). Some of these TPMs specialize in Environmental, Social, and Governance-conscious model portfolios. The particulars of these will be disclosed in each TPM’s brochure.
Financial Planning Financial plans and financial planning may include but are not limited to advice with respect to some or all the following financial topics: retirement income, risk management, tax reduction strategies, and investment strategies. Our financial planning advice will be delivered to you in the form or a written financial plan, a shorter report or checklist, or via informal discussions with you (in-person, via telephone or tele-video conference, or via e-mail), as we may agree in a written financial planning agreement.
Some clients only wish to engage us in financial planning. In this scenario, the client retains the sole discretion to accept or reject any of our financial planning advice, in whole or in part, and is responsible for implementation and monitoring of all investments held away from the accounts designated for our investment advisory services.
Services Tailored to Clients’ Needs Services are provided based on a client’s specific needs within the scope of the services provided as discussed above. A review of the information provided by the client regarding the client’s current financial situation, goals, and risk tolerances will be performed and advice will be provided that is in line with available information.
Wrap Fee Program versus Portfolio Management Program C&S Wealth offers a Wrap Fee Program.
Assets Under Management As of December 31, 2023, Adviser has the following assets under management: Discretionary assets:$250,960,505 Non-discretionary assets:$0