Cross State Financial Group is a registered investment advisor based in New Mexico with a branch in Michigan. Cross State Financial Group offers personalized investment portfolio management, financial planning, and oversight of third-party investment advisors. The firm uses a combination of fundamental analysis and tactical asset allocation to build custom portfolios or utilize model portfolios tailored to each client's goals and risk tolerance. In addition to portfolio management, Cross State Financial Group provides comprehensive or modular financial planning covering budgeting, retirement, taxes, estate planning, and risk management. The firm also coordinates planning-level guidance for held-away retirement accounts like 401(k) plans.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $50K | 1.50% |
| $50K - $100K | 1.50% |
| $100K - $500K | 1.35% |
| $500K - $1.0M | 1.15% |
| $1.0M - $3.0M | 1.00% |
| $3.0M - $5.0M | 1.00% |
| $5.0M - $10.0M | 0.85% |
| $10M+ | 0.70% |
Rates reflect the firm's standard tiered schedule. Michigan branch uses a separate schedule ranging from 1.25% down to 0.75%. Fees are negotiable.