Cross Financial Advisors

• A percentage of assets under your management
• Hourly charges
• Fixed fees (other than subscription fees)

Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ

Asset-based fee: up to 2.5% of assets a year (the maximum the brochure states)

Hourly rate: $200 to $500 an hour (financial planning services)

As stated in the firm's Form ADV Part 2A brochure dated March 20, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site

$481,819,342 as of October 2026, filing dated September 27, 2026.

A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means

A firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.

• Financial planning services
• Portfolio management for individuals and/or small businesses

Legal name

Cross Financial Advisors, LLC

Also doing business as

ABACUS WEALTH MANAGEMENT, BY THE TREE FINANCIAL, LLC, CLARK WEALTH MANAGEMENT, HOPE WEALTH PLANNING, LYDA FINANCIAL

Registration

SEC-registered investment adviser. Status as filed: Approved.

Registered since

2017 (9 years)

Employees

Total: 12. Performing investment advisory functions: 11.

Wrap fee program participation

Yes.

Custodians (Schedule D, Section 5.K(3))

LPL Financial LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

Other offices (Schedule D, Section 1.F)

3 other offices, as of the October 2026 filing

Lake Oswego, ORPortland, ORSalem, OR

States registered or notice-filed

16 states or jurisdictions

AKAZCAFLIDINMAMNNJNVOHORTXUTVAWA

SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration

None Reports no disclosure items on Form ADV Item 11. View on IAPD.

Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures

Regulatory assets under management: $258,051,473 in the October 2021 data and $481,819,342 in the October 2026 data, up 87%.

Total employees: 15 in October 2021 and 12 in October 2026.

As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.

1. October 2026
   • Registered or notice-filed in NJ.
2. August 2026
   • Added an office in Portland, OR.
   • No longer lists an office in Beaverton, OR.
3. April 2026
   • No longer lists the business name Rock Creek Wealth Management.
   • No longer lists the business name Retzlaff Wealth Management.
   • Added the business name By the Tree Financial, LLC.
   • Employees performing advisory functions went from 13 to 11.
   • Regulatory assets under management went from $418,897,353 to $481,819,342 (+15%).
   • Changed its office addresses in Lake Oswego, OR.
   • No longer lists an office in Tualatin, OR.
4. March 2026
   • Added the business name Abacus Wealth Management.
5. January 2026
   • No longer lists the business name Cross Inland Wealth Management.
   • Employees performing advisory functions went from 14 to 13.
   • No longer registered or notice-filed in CO, GA, MT.

Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.