Business Details
Your Trusted Financial Partner in Grand Haven, MI
Cross State Financial Group is a dedicated financial advisory firm serving individuals and businesses in Grand Haven, Michigan. Our approach begins with understanding each client's unique financial goals, challenges, and attitudes toward money before developing personalized strategies. We specialize in retirement income planning, investment management, and business retirement plan solutions, working collaboratively with attorneys, tax advisors, and insurance professionals to create comprehensive financial plans. As a 3(38) financial advisor, we provide ongoing investment monitoring and fiduciary support for 401(k) plans, ensuring alignment with clients' evolving needs. Our team utilizes Charles Schwab & Co.'s platform for investment management, offering clients transparent reporting and mobile account access.With a focus on long-term financial security, we help clients navigate retirement planning, tax efficiency, and wealth transfer strategies. Our fee-based structure scales with asset size, starting at 1.25% for portfolios under $500,000. We maintain SEC registration and FINRA/SIPC affiliations, adhering to rigorous regulatory standards. Our process emphasizes education, personalized guidance, and adaptive strategies to address changing market conditions and life circumstances. By combining technical expertise with client-centered service, we aim to build lasting relationships grounded in trust and financial clarity. Our commitment extends beyond investments to encompass holistic financial planning that addresses both immediate needs and generational wealth goals.
Services
Investment Management
Retirement Planning
Financial Planning
Business Retirement Plans
Portfolio Management
Highlights and features
- We create personalized financial plans tailored to individual goals and risk tolerance
- Our SEC-registered firm adheres to strict regulatory and ethical standards
- We utilize Charles Schwab & Co.'s trusted platform for investment management
- Ongoing portfolio monitoring ensures strategies adapt to changing market conditions
- As 3(38) advisors, we provide fiduciary support for business retirement plans
Associations and certifications
- SEC
- FINRA
- SIPC
Services
Investment Management
We create personalized investment portfolios based on client goals, risk tolerance, and time horizons. Using Charles Schwab & Co.'s platform, our team manages assets with full discretionary authority while maintaining quarterly performance reporting. Our approach combines strategic asset allocation with ongoing market adaptation to help clients achieve long-term financial objectives.
Retirement Planning
Our retirement planning service addresses income needs, social security optimization, and inflation protection. We develop customized savings strategies for pre-retirees and create sustainable withdrawal plans for retirees. The process includes analyzing pension shortfalls and designing investment portfolios to bridge retirement income gaps while considering tax efficiency and legacy goals.
Financial Planning
We develop comprehensive financial plans covering cash flow management, tax situations, estate planning, and insurance needs. Our process begins with understanding client goals and challenges, then coordinates with external professionals like CPAs and attorneys to create integrated solutions that address both immediate needs and long-term wealth objectives.
Business Retirement Plans
As 3(38) financial advisors, we manage investment selection and monitoring for business retirement plans. Our services include creating investment policy statements, fiduciary education, provider comparisons, and employee financial education programs. We help businesses implement cost-effective 401(k) solutions that align with employee demographics and company objectives.
Portfolio Management
Our discretionary portfolio management service uses diversified investment strategies tailored to client risk profiles. We implement and maintain investment allocations consistent with agreed objectives, making adjustments as market conditions and client circumstances evolve. The service includes quarterly performance reports and on-demand portfolio reviews to ensure ongoing alignment with financial goals.
Questions
What services does Cross State Financial Group offer?
We provide investment management, retirement planning, financial planning, and business retirement plan services tailored to individual and corporate clients.
How are your investment management fees structured?
Fees range from 0.75% to 1.25% annually based on total assets managed, with lower rates for larger portfolios.
Do you work with both individuals and businesses?
Yes, we serve both individual investors and businesses needing retirement plan solutions as a 3(38) financial advisor.
What investment platform do you use?
We utilize Charles Schwab & Co.'s platform for investment management, providing clients with transparent reporting and mobile access.
How often do you review financial plans?
We conduct annual reviews and provide ongoing monitoring, with additional check-ins available upon request.
