Our Registered Investment Advisor Model

We know that managing your wealth and planning for important goals like retirement and estate planning can be complex and time consuming. You require a qualified partner you can value to bring the right experience and resources to you when pursuing your financial goals.

Being independent, we can choose from a broad array of products and services. We are not required to represent any institutionally promoted products, so we can offer personalized financial information based solely on our clients’ financial agendas.

The advantages of our firm’s structure are

Transparency—Clear, easy-to-understand explanations of the products and services available to you
Support and Resources—Depth of investment choices that are often unparalleled in the industry
Personalized, Independent Advice—Independence and flexibility to deliver strategies with no quotas or institutionally required products

Our professionals operate with the backing of the nation’s leading independent broker-dealer, LPL Financial. This relationship allows us to operate an independent business without any required products to sell, while still having access to top of the line resources and tools.

Brokerage (LPL Financial)

LPL Financial (Nasdaq: LPLA) was founded on the principle that the firm should work for the advisor, and not the other way around. Today, LPL is a leader in the markets we serve,* supporting nearly 20,000 financial advisors, and approximately 800 institution-based investment programs and 500 independent RIA firms nationwide. We are steadfast in our commitment to the advisor-centered model and the belief that Americans deserve access to personalized guidance from a financial advisor. At LPL, independence means that advisors have the freedom they deserve to choose the business model, services, and technology resources that allow them to run their perfect practice. And they have the freedom to manage their client relationships, because they know their clients best. Simply put, we take care of our advisors, so they can take care of their clients.

*Top RIA custodian (Cerulli Associates, 2020 U.S. RIA Marketplace Report); No. 1 Independent Broker-Dealer in the U.S (Based on total revenues, Financial Planning magazine 1996-2021); No. 1 provider of third-party brokerage services to banks and credit unions (2020-2021 Kehrer Bielan Research & Consulting Annual TPM Report); Fortune 500 Company as of June 2021. LPL and its affiliated companies provide financial services only from the United States.

Private Advisor Group

Investment advice is offered through Private Advisor Group, a registered investment advisor. Private Advisor Group and Crossroads Financial are separate entities from LPL Financial. Please remember to contact Private Advisor Group, LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you want to impose or modify any reasonable restrictions to our investment advisory services, or if you wish to direct that Private Advisor Group, LLC effect any specific transactions for your account. A copy of our current written disclosure statement discussing our advisory services and fees continues to remain available for your review upon request