# Wealthcrossing

> Wealthcrossing is an SEC-registered investment advisory firm in Richmond, VA, registered since 2005, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated March 25, 2026.

- CRD: 132513
- Filed as: WEALTHCROSSING
- Legal name: SBK Financial, Inc.
- Also doing business as: WEALTHCROSSING
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Richmond, VA
- Filing period: October 2026
- Form ADV filing dated: March 25, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/132513
- AdvisorCensus page: https://advisorcensus.com/firm/wealthcrossing-richmond-va-132513

## Quick answers

**How is Wealthcrossing compensated?**
On its Form ADV (Item 5.E, October 2026), Wealthcrossing reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**Where is Wealthcrossing located?**
Wealthcrossing's principal office is in Richmond, VA, according to its Form ADV.

**Is Wealthcrossing registered with the SEC or a state?**
Wealthcrossing is an SEC-registered investment advisory firm, registered since 2005. Status as filed: Approved. CRD 132513.

**How much does Wealthcrossing manage?**
Wealthcrossing reports $1,538,440,735 in regulatory assets under management in its Form ADV filing dated March 25, 2026 (100% discretionary).

**How have Wealthcrossing's assets and staff changed since 2021?**
In the Form ADV data for Wealthcrossing: Regulatory assets under management: $864,347,096 in the October 2021 data and $1,538,440,735 in the October 2026 data, up 78%. Total employees: 16 in October 2021 and 18 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Wealthcrossing serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (197); individuals (other than high net worth individuals) (69); charitable organizations (1).

**Which custodians does Wealthcrossing use?**
Wealthcrossing's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Wealthcrossing report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/132513

**Does Wealthcrossing state an account minimum?**
Its Form ADV Part 2A brochure dated March 25, 2026 says: "WealthCrossing’s minimum account size is generally $1,000,000."

**What changed in Wealthcrossing's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 10 to 13. Regulatory assets under management went from $1,203,976,372 to $1,538,440,735 (+28%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 25, 2026)

- Account minimum: $1,000,000

> WealthCrossing’s minimum account size is generally $1,000,000.

- Minimum annual fee: $10,000

> WealthCrossing generally imposes a $10,000 annual minimum fee for advisory services.

> WealthCrossing, in its sole discretion, may reduce its investment advisory fees, or waive tax preparation fees, and reduce or waive its annual fee minimum based upon certain criteria

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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.

### Regulatory assets under management (Item 5.F)
- Total: $1,538,440,735
- Discretionary: $1,538,440,735
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 69 | $24,569,917 |
| High net worth individuals | 197 | $1,488,936,485 |
| Charitable organizations | 1 | $24,934,333 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)
- Other

### Firm details
- Registered since: 2005 (21 years)
- Employees: 18 total, 13 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, MA, MD, NC, TN, TX, VA, WV
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- wealth-crossing.com
- LinkedIn @WEALTHCROSSING

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $864,347,096 | 16 | March 4, 2021 |
| October 2022 | $1,023,810,324 | 18 | March 7, 2022 |
| October 2023 | $994,400,152 | 18 | July 6, 2023 |
| October 2024 | $1,134,816,590 | 18 | March 27, 2024 |
| October 2025 | $1,203,976,372 | 19 | March 14, 2025 |
| October 2026 | $1,538,440,735 | 18 | March 25, 2026 |

Regulatory assets under management: $864,347,096 in the October 2021 data and $1,538,440,735 in the October 2026 data, up 78%.
Total employees: 16 in October 2021 and 18 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 10 to 13.
- Regulatory assets under management went from $1,203,976,372 to $1,538,440,735 (+28%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Wealthcrossing (CRD 132513): Form ADV filing data as of October 2026.