CFS Wealth Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
CFS Wealth Management is a three-advisor, fee-based investment adviser serving individuals, couples, custodians, IRA owners, trustees and business owners, managing roughly $189 million for about 465 clients. The firm offers portfolio management, written financial planning and retirement evaluations, and uses percentage-of-AUM, fixed and hourly billing arrangements.
Portfolios are constructed from open-end and closed-end mutual funds, ETFs, and individual equity and fixed-income positions, typically using model portfolios and combining strategies to match client circumstances; the firm emphasizes capital preservation over seeking large capital gains. CFS draws on third-party research such as Morningstar, maintains discretionary authority over most client accounts (461 discretionary vs. 4 non-discretionary), and allows clients to impose investment restrictions when needed.
Distinctive operational features include exclusive use of Fidelity Institutional Wealth Services and primarily Fidelity’s no-transaction-fee/no-load mutual fund platform, a disclosure that an associated representative may sell products through a separate broker/dealer relationship, and the firm’s statement that it does not vote client proxies. The brochure also notes that the firm does not take custody of client assets, deducts fees in advance on a quarterly basis (including cash as an asset class for billing), and applies personal-trading reviews to mitigate conflicts when supervised persons invest alongside clients.
Client services
Expertise
Fee options
$0 - $50,000: 2.00% max annual fee $50,000 - $250,000: 1.75% max annual fee $250,000 - $999,999: 1.50% max annual fee $1,000,000+: 1.25% max annual fee
Hourly fees of $250 per hour for financial plans and retirement evaluations
Account minimum: $50,000 Minimum fee: Alternate fixed annual fee from $250 to $10,000 (negotiable) Fee-only: Fee-based investment advisory services (no commissions on advisory accounts)
Main office
1515 Bass Road, Suite D
Macon GA 31210
Advisors at this office
3
Most active in
Florida · Georgia · Texas
Also doing business as
Cfs Wealth Management · Cfs Wealth Management, LLC · Chapman Financial Services · Chapman Wealth Management, L.L.C.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Lucinda D
Series 63, Series 65
Macon, GA
CFS Wealth Management
Lucinda Dallas is a financial advisor at CFS Wealth Management with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has been with CFS Wealth Management since 2010. Outside of her advisory role, she is a minority owner of a family business, Top Level, L.L.C., in a passive capacity. CFS Wealth Management provides fee-based investment advisory and financial planning services to a diverse client base, including individuals, couples, and business owners. The firm emphasizes capital preservation and uses third-party research to guide portfolio construction, managing approximately $158.7 million primarily in discretionary accounts.
Wade C
Series 63, Series 66
Macon, GA
CFS Wealth Management
Wade Chapman is a financial advisor at CFS Wealth Management in Macon, GA, with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with CFS Wealth Management since 2005, also working at CFS Capital Advisors LLC from 2013 to 2025. Outside of advisory services, he serves as an executor and trustee for individuals who are not clients. CFS Wealth Management provides fee-based investment advisory and financial planning services to a diverse client base, including individuals, couples, custodians, IRA owners, trustees, and business owners. The firm emphasizes capital preservation and uses third-party research to guide portfolio management across discretionary accounts.
Stephen A
Series 63
Macon, GA
CFS Wealth Management
Stephen Anderson is a financial advisor with CFS Wealth Management in Macon, GA, holding a Series 63 license and bringing 32 years of industry experience. He has worked at Purshe Kaplan Sterling Investments and CFS Wealth Management since 2005. CFS Wealth Management is a fee-based advisory firm with three advisors that serves individuals, couples, custodians, IRA owners, trustees, and business owners. The firm manages approximately $189 million across about 465 clients, providing portfolio management, financial planning, and retirement evaluations, with an investment approach that combines model portfolios and emphasizes capital preservation.
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