Crossroads Planning offers personalized financial planning and ongoing investment management services for individuals, high-net-worth clients, and small business owners. The firm creates customized investment portfolios using a passive, long-term approach based on Modern Portfolio Theory, primarily utilizing low-cost mutual funds and exchange-traded funds. Crossroads Planning's comprehensive financial planning covers cash flow and budgeting, retirement projections, college funding, risk management and insurance review, tax strategies, and estate planning coordination. Clients can choose standalone financial planning or combine planning with ongoing portfolio management. The firm operates as a registered investment advisor with a fiduciary commitment to act in clients' best interests.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $5.0M | 0.75% |
| $5M+ | 0.50% |
Fees are based on the average daily balance during the previous calendar quarter. Accounts for members of the same family can be aggregated for fee discounts. Planning clients with at least $500,000 in assets under management pay only this asset-based fee.
