Crossroads Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Crossroads Planning, LLC is a small, state-registered advisory firm managing roughly $63 million with two advisors that serves individuals — including high-net-worth clients — and small businesses. The firm provides comprehensive financial planning, investment consultation, and ongoing portfolio management, and it also offers periodic educational workshops for clients and the public.
The firm’s investment approach is rooted in Modern Portfolio Theory, favoring diversified, primarily passive, low-cost mutual funds and ETFs with a buy-and-hold posture and periodic rebalancing; it may use active funds where passive strategies are seen as insufficient. Crossroads typically implements plans internally on a discretionary basis, developing customized investment guidelines based on clients’ risk profiles and conducting regular reviews and monitoring.
Compared with peers, Crossroads is notable for combining advisory services with a subscription-style annual retainer model for ongoing planning and for making tax preparation and small-business bookkeeping available through the firm’s principal under separate engagements — offerings that are uncommon among similar supported firms. The brochure also discloses that the firm provides complimentary educational seminars and manages client assets internally rather than using outside managers, which shapes how planning, tax, and investment services are coordinated.
Client services
Expertise
Fee options
Financial Plan fee starting at $5,000
$0 - $999,999: 1.00% annually $1,000,000 - $4,999,999: 0.75% annually $5,000,000+: 0.50% annually
$300 per hour, billed in 30-minute increments
Annual Retainer starting at $3,600, billed quarterly in arrears
Account minimum: $500,000 Minimum fee: Financial Plan fee starting at $5,000; Annual Retainer starting at $3,600 billed quarterly in arrears Fee-only: Financial Planning fixed fees and hourly fees; no commissions charged
Main office
765 The City Dr. S, Suite 390
Orange CA 92868
Advisors at this office
2
Most active in
California · Texas
Also doing business as
Crossroads Planning · Crossroads Planning, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Garrett J
CFP®, Series 63
Orange, CA
Crossroads Planning
Garrett Jones is a CFP® with eight years of industry experience, currently serving at Crossroads Planning in Orange, CA. He has previously worked at Tax and Financial Group and Securian Financial Services Inc. In addition to his advisory role, Jones prepares tax returns and consults clients on tax matters. Crossroads Planning is a small advisory firm managing approximately $63 million for individuals, including high-net-worth clients, and small businesses. The firm employs a Modern Portfolio Theory-based investment approach focused on diversified, primarily passive, low-cost funds, and offers comprehensive financial planning alongside educational workshops.
Tony C
CFP®, EA
Orange, CA
Crossroads Planning
Tony T. Chan, CFP®, EA, is the founder of Crossroads Planning, LLC, a Fee-Only financial and tax planning firm in Orange County, California. As a CERTIFIED FINANCIAL PLANNER™ professional and Enrolled Agent, Tony helps clients coordinate investment, retirement, and tax decisions through an integrated, long-term planning process. With more than 20 years of financial planning and tax-services experience, Tony works with individuals and families seeking thoughtful guidance on retirement income, portfolio strategy, tax planning, cash-flow and debt decisions, risk management, and estate-planning coordination. His approach is grounded in the belief that financial planning should be both technically sound and personally meaningful—aligning money with the life clients want to build. Tony earned his degree in Finance from California State University, Fullerton. He is an active member of the Financial Planning Association of Orange County and the National Association of Personal Financial Advisors. He has been recognized by InvestmentNews as a 2016 “40 Under 40” honoree and by CPA Practice Advisor as a 2018 “40 Under 40” honoree.
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