What We Do

At Croix Financial, we believe in helping our clients address all their financial challenges using a total wealth management approach. We strive to serve as our client’s chief financial officer, playing a critical role in their most important financial decisions. Our approach can help you invest conservatively, potentially reduce your exposure to taxes, meet your insurance needs and plan to successfully transfer your wealth to your children and grandchildren.

Plan, Grow, Protect, Enjoy – These are the primary objectives that we have for our client’s finances.

Plan

The start of a strong financial future is always a plan. I work with my clients on an individual basis to help them determine the financial plan that will best help them pursue their unique goals. Our planning services include:

Retirement planning – We can design an investment strategy that helps you achieve your desired standard of living throughout your retirement.
Estate planning – We’ll work with your legal and tax advisors to pass your wealth from generation to generation while working to reduce estate taxes.
College planning – The rising cost of college is a primary concern of most of our clients. We’ll educate you on the options available and implement a plan for funding this major expense.

Grow

We’ll create an asset management strategy that fits your risk tolerance and your long term goals. Included in this planning, we’ll provide:

Investment portfolio analysis - We will keep you informed of how your investments are performing, and will advise on adjustments as needed.
Tax-advantaged investing - Let us help you reduce your tax liability and so that your money can work better for you.
Managed asset plans - We offer professional, fee-based portfolio and asset management through LPL Financial.
Low-cost investing – We can customize specific client portfolios in a fee-based account that matches your investment goals.

Protect

You have worked hard to get where you are, and many of our clients are working hard as they approach retirement. We can have the very best plan in place, but if we don’t address the following topics, the proverbial monkey wrench can be thrown in at any time.

Disability Insurance Planning - We help analyze the “worst case” scenario – losing your income and becoming a financial burden to your family.
Long Term Care Insurance Planning – We’ll run detailed financial projections to help determine if LTC insurance is something that you should incorporate into your financial plan.
Life insurance Planning – We can customize a life insurance plan that helps protect your beneficiaries in their greatest time of need.

Enjoy

Can you believe that of the four objectives above, we spend most of our time trying to convince our clients that they should enjoy their wealth? What we have found is that most of our clients overachieve at saving and underachieve at spending. We will help implement a plan intended to give you the confidence needed to enjoy your wealth during your lifetime.