Crossroads Planning

Financial Advice for

Every Stage of Your Life

At Crossroads Planning, our goal is to help you build a comprehensive financial strategy that gives you the flexibility to enjoy life now while preparing for the future.

Financial Advice for

Every Stage of Your Life

At Crossroads Planning, our goal is to help you build a comprehensive financial strategy that gives you the flexibility to enjoy life now while preparing for the future.

A Fresh Approach
to Financial Planning

Our clients come to us seeking solutions to a wide range of financial challenges and questions.
Here’s an idea of what you can expect when working with us:

Save Time

Our collaborative approach eliminates the financial learning curve and allows you more time to do the things you love.

Your Goals, Not Ours

As Fiduciary Advisors, we're driven by your success, not product sales or commission.

Clarity

Our unique process helps you define your personal version of success and what it takes to get there.

Accountability

Our team is here to keep you on track and celebrate all of your victories along the way -- no matter how big or small.

A Fresh Approach
to Financial Planning

Our clients come to us seeking solutions to a wide range of financial challenges and questions.
Here’s an idea of what you can expect when working with us:

Save Time.

Our collaborative approach eliminates the financial learning curve and allows you more time to do the things you love.

Your Goals, Not Ours.

As Fiduciary Advisors, we're driven by your success, not product sales or commission.

Clarity.

Our unique process helps define your personal version of success and what it takes to get there.

Accountability.

Our team is here to keep you on track and celebrate all of your victories along the way -- no matter how big or small.

Stage 1

Tax Preparation

Because virtually every financial decision has tax implications, effective financial planning demands attention toward tax planning. That’s why for us, “Tax season” doesn’t end on April 15th — it is year round.

From annual tax return preparation to strategic planning, our team of professionals provide an integrated solution.

STAGE 2

Comprehensive Financial Planning

This is the state of your cash flow, how you manage debt (and how to get rid of it), your net worth and what’s available for emergencies — as well as long-term planning for your goals.

STAGE 3

Wealth Management

Our wealth management process begins with us working to understand your personal situation, financial goals, and risk tolerance. The result is a customized investment portfolio and wealth management solution tailored to your specific needs. 

Meet the People Behind the Planning

Meet the People Behind the Planning

Tony T. Chan, CFP®, EA

Registered Investment Advisor & Tax Specialist

Garrett G. Jones, CFP®, EA

Financial Planner & Tax Specialist

Brandon Pope, EA

Tax Specialist

John Dang

Operations

Tony T. Chan, CFP®, EA

Registered Investment Advisor & Tax Specialist

Garrett G. Jones, CFP®, EA

Financial Planner & Tax Specialist

John Dang

Operations Manager

We're Proud of the Company we Keep

There’s an old adage that says you’re only as good as the company you keep. Here at Crossroads Planning, we’re firm believers in this sentiment, which is why we’re proud to rub shoulders with a variety of partners who are committed to the success of financial planning industry.

Ready to Get Started?

Whether you have a specific question or are just curious about how we might be able to help you, please fill out the form below and we will contact you soon.

Paul and Stephanie are newlyweds in their early-30s.

challenge

Prior to getting married, both Paul and Stephanie owned their own homes. Once married, they moved into Paul’s house and started renting out Stephanie’s place.

Now that the stress of planning a wedding is behind them, their attention has shifted to their careers — with Paul focused on growing his 5-year-old marketing agency and Stephanie working as a Registered Nurse for a local hospital.

After a recent conversation, they realized that they owed a lot in taxes when they filed their first joint income tax return and they didn’t have the time nor the knowledge to navigate through the tax codes.

SOLUTION

During their first meeting, Paul and Stephanie raised their concerns with the Team.

Together, we decided that the initial emphasis should be placed on reducing their tax liabilities.

Since they are newlyweds, the first thing we addressed were their tax withholdings by reviewing and adjusting their W4. We also created quarterly estimated tax payments to avoid penalties

From there, we advised Stephanie to create a Profit & Loss statement for the rental home which would be a resource to keep track of her expenses & depreciations. Since Paul is a business owner, we also assisted with his Profit & Loss statements and discussed ways to help him reduce his business tax liabilities.

They left the meeting relieved that their tax concerns were addressed. It was comforting to have the added benefit of the ability to conduct virtual meetings and send/receive secure documents through our secure client portal.

Note: The above case study is hypothetical and does not involve an actual Crossroads Planning client. No portion of the content should be construed by a client or prospective client as a guarantee that he/she will experience the same or certain level of results or satisfaction if Crossroads Planning is engaged to provide tax, financial planning, or investment advisory services.

The years have flown by for Paul and Stephanie and now they find themselves in their late-30s with a newborn baby boy in tow.

Between balancing priorities on the home front, they’ve still found time to progress their careers forward with Paul’s marketing agency recently acquiring a smaller firm, and Stephanie accepting a position as a Head Nurse.

challenge

With a schedule that is bursting at the seams, they resigned to the fact that they just don’t have the time to manage their finances alone, and seeking out comprehensive financial advice is no longer a luxury — but rather a necessity.

The challenge, though, is finding someone whose interests align with their own — not a commission-based advisor who is going to try and sell them something just to make a quota.

With a baby boy on the way, they also realized that they didn’t have a strategic plan to map out the family’s insurance, retirement, and college savings goals.

SOLUTION

Having worked with Paul and Stephanie in the past, the first order of duty was to hone in on the goals and objectives most important to their growing family.

To do so, the Team gathered information on their current living expenses, retirement savings, and insurance. In addition, one of the benefits of being an existing tax client was being able to streamline their tax information.

We then helped them consolidate their finances into their client dashboard so they could easily see a snapshot of their finances whenever the need arose.

From the Discovery meeting, it was uncovered that neither Paul nor Stephanie had any retirement savings outside of their company retirement accounts. Some of the recommendations were for them to open ROTH IRAs and take advantage of Stephanie’s HSA account through work.

Although the ROTH IRAs would not help them reduce their taxable income, it would provide them with tax-free income in retirement. By investing in Stephanie’s HSA account, they could take advantage of further reducing their Federal income tax, grow their investments tax-free, and withdraw funds penalty free for medical expenses – a trifecta of benefits..

In addition, to account for their insufficient insurance and lack of college savings, it was recommended that they take advantage of their companies’ life insurance offerings and consider opening a 529 college savings plan.

Paul and Stephanie now enjoy the peace of mind that comes from having a clear financial roadmap — knowing that the family will be protected, higher education will be provided for their child, and the choice to retire when the time is right.

Note: The above case study is hypothetical and does not involve an actual Crossroads Planning client. No portion of the content should be construed by a client or prospective client as a guarantee that he/she will experience the same or certain level of results or satisfaction if Crossroads Planning is engaged to provide tax, financial planning, or investment advisory services.

After obtaining sudden wealth from an inheritance and a career change that left an old company retirement account sitting stagnant, Paul and Stephanie decided that they needed some help making sense of their investments and overall portfolio.

challenge

Based on their previous meetings with the Team, Paul and Stephanie were confident they were on the right track to retire within the next ten years but weren’t as certain that they were in a position to leave a legacy for their heirs.

During their annual review, a few questions came to:

  • Are the funds we inherited taxable?
  • What should I do with the retirement account from my old job?
  • Can we retire early with this inheritance?
  • How do we make sure our children are protected if something happened to us?

SOLUTION

The first step for Paul and Stephanie was to figure out the type of inheritance they received — were they in a taxable account or tax-qualified retirement account? 

From there, we helped them simplify their life by consolidating their accounts and updating their financial goals. We then reassessed their risk tolerance and created a diversified investment portfolio to meet their goals while minimizing their tax liabilities. 


As a result, they were able to:

  • Reduce their tax liability on the inheritance by making sure that Paul adopts and funds into his company retirement plan such as a SEP-IRA or SIMPLE IRA. 
  • Eliminate the worry of creating and maintaining a diversified investment portfolio that is in line with their risk tolerance and growth goals
  • Rollover Stephanie’s old company retirement account into a traditional IRA for better investment fund options. 
  • Reallocate and maximize Stephanie’s 403(b) catch-up contributions  in her remaining working years 


With a specific plan in place, Paul and Stephanie were able to focus on what is important to them – spending quality time with the family. 

Note: The above case study is hypothetical and does not involve an actual Crossroads Planning client. No portion of the content should be construed by a client or prospective client as a guarantee that he/she will experience the same or certain level of results or satisfaction if Crossroads Planning is engaged to provide tax, financial planning, or investment advisory services.