Cross State Financial Group LLC

Cross State Financial Group serves individuals (including high-net-worth clients), charities and retirement plans with financial planning, individualized portfolio management, and recommendations/monitoring of third‑party investment advisers. The firm manages approximately $166.8 million in discretionary assets through a team of nine advisors and typically begins relationships with a complimentary consultation followed by a written agreement.

On the investment side, Cross State combines fundamental analysis with tactical asset allocation and implements portfolios using firm model portfolios or customized allocations, offering discretionary management while permitting reasonable client‑imposed investment restrictions. The firm provides written financial plans for comprehensive engagements and conducts regular portfolio and account reviews, including monitoring of third‑party advisers and forwarding their Form ADV Part 2A when recommended.

What is notable about Cross State is its multi‑office structure — operating from nine offices — which is larger than is typical for firms of this team size, and its staff’s involvement in other financial services: associates may act as independent insurance agents and may be affiliated with tax preparation and consulting services. The brochure discloses those other business activities and the firm’s procedures to mitigate related conflicts, and it also documents practices for facilitating transfers and limited custodial arrangements when clients authorize them.