Flagstaff, AZ Office

Cross State Financial Group serves individuals (including high-net-worth clients), charities, and retirement plans, managing roughly $188 million in discretionary assets across an eight-advisor team and about 395 client relationships. The firm offers financial planning (fixed or hourly), discretionary portfolio management, held-away retirement account guidance, and recommendations and monitoring of third-party investment advisers.

Portfolios are constructed using a combination of fundamental analysis and tactical asset allocation, implemented through model portfolios or customized solutions with the option for clients to impose reasonable written restrictions. Fees are primarily percentage-of-AUM for ongoing management, while financial planning can be delivered as a written plan or hourly work; the firm also routinely acts as the primary advisor when overseeing third‑party managers and works with custodians such as Charles Schwab.

Notable differences from many peers include operating multiple offices (eight locations) and disclosed affiliations in the brochure with associates who provide tax preparation/consulting services and act as independent insurance agents, relationships the firm identifies as potential conflicts and describes mitigation steps for. The firm also maintains a Michigan branch with a separate fee schedule (including possible cliff breakpoints) and specifies a combined cap on its monitoring fee plus third‑party manager fees, which can lead to differing fee outcomes for similarly sized clients.