Advisor at Cross State Financial Group LLC
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
Cross State Financial Group LLC
Location
Citrus Heights, CA
Credentials
Series 65
Industry experience
5 years
Forrest Means is a Series 65-licensed advisor at Cross State Financial Group LLC with five years of industry experience. He has worked at Cross State Financial Group since 2022 and previously at Financial Depot from 2020 to 2022. Outside of finance, he serves as an instructor at Nor Cal Emergency Medical Training and NCTI/AMR. Cross State Financial Group serves individuals, charities, and retirement plans with financial planning, portfolio management, and third-party adviser recommendations. The firm employs a combination of fundamental analysis and tactical asset allocation and operates from nine offices with a team of nine advisors managing approximately $166.8 million in discretionary assets.
Based on Cross State Financial Group LLC
Based on Cross State Financial Group LLC
Fixed fee for comprehensive written financial plan ranging from $600 to $5,000 depending on complexity
$50,000 - $100,000: 1.50% per year $100,000 - $500,000: 1.35% per year $500,000 - $1,000,000: 1.15% per year $1,000,000 - $3,000,000: 1.00% per year $3,000,000 - $5,000,000: 1.00% per year $5,000,000 - $10,000,000: 0.85% per year $10,000,000+: 0.70% per year $0 - $500,000: 1.25% per year (Michigan Branch) $500,000 - $1,000,000: 1.00% per year (Michigan Branch) $1,000,000 - $1,500,000: 0.90% per year (Michigan Branch) $1,500,000 - $2,000,000: 0.80% per year (Michigan Branch) $2,000,000+: 0.75% per year (Michigan Branch)
Hourly fee for financial planning services ranges from $100 to $275 per hour with a minimum of two hours per engagement
Account minimum: $50,000 (minimum can be waived at discretion) Fee-only: Financial planning fees: Fixed fees from $600 to $5,000; Hourly fees from $100 to $275 per hour with minimum 2 hours
Citrus Heights, CA
California
Cross State Financial Group, Llc
2022 - Present (4 years)
Nor Cal Emergency Medical Training
2020 - Present (6 years)
Financial Depot
2020 - 2022 (2 years)
NCTI/AMR
2010 - 2020 (10 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Series 63, Series 65
Sacramento, CA
Mechfi
Series 63, Series 65
Loomis, CA
JC Financial Services
CFA®
Sacramento, CA
Atwima Wealth Management LLC
Series 65
Sacramento, CA
Onesta Wealth Management, LLC
Series 63, Series 65
Roseville, CA
Covered Edge Asset Management, LLC
CFP®, Series 65
Newcastle, CA
Castellan Financial Advisors
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")