Crossroads Financial Services

Crossroads Financial Services Crossroads Financial Services is an independent financial service firm. finra.org; sipc.org Cetera is under separate ownership from any other named entity.

Crossroads Financial Services is a marketing name of Cetera Investment Services LLC, member FINRA/SIPC. Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Advisory services are on

ly offered by Investment Adviser Representatives. INVESTMENTS ARE: *NOT FDIC/NCUSIF INSURED *MAY LOSE VALUE *NOT FINANCIAL INSTITUTION GUARANTEED *NOT A DEPOSIT *NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency. Located at:

110 S Main St
Hallettsville, TX 77964

Compound interest is a powerful tool that can help you save money and help your investments grow. Through compound inter...
08/26/2026

Compound interest is a powerful tool that can help you save money and help your investments grow. Through compound interest, you can help boost savings and investment returns over a long period of time.

Want to see for yourself? Visit our website at https://www.investwithcfs.com/resource-center/investment/how-compound-interest-works-1 to give our compound interest calculator a try and give yourself a real idea of what compound interest will look like for you!

Even if you can’t always meet in person, you can still easily collaborate—and even check your accounts—through our Advic...
08/24/2026

Even if you can’t always meet in person, you can still easily collaborate—and even check your accounts—through our AdviceWorks™ platform. Contact the office today to learn more about downloading the Adviceworks app!

Did you know nearly 70% of today’s 65-year-olds will need some form of long-term care? Planning early can help protect y...
08/21/2026

Did you know nearly 70% of today’s 65-year-olds will need some form of long-term care? Planning early can help protect your savings and ensure you’re prepared for the future. Give us a call today to discuss long-term care insurance options.

In retirement, income sources like Social Security and pensions are designed to be steady. The challenge is that expense...
08/20/2026

In retirement, income sources like Social Security and pensions are designed to be steady. The challenge is that expenses rarely are.

Healthcare, home costs, and even everyday essentials can rise at different speeds, which can quietly reduce purchasing power over time.

One simple way to stay ahead of this is to separate your “must-have” expenses from “nice-to-have” spending. That clarity makes it easier to adjust when costs shift without disrupting your lifestyle.

Most people are closer to building the assets that power a meaningful life than they think. They just don’t know what to...
08/17/2026

Most people are closer to building the assets that power a meaningful life than they think. They just don’t know what to ask.

That’s why we created the Personal Financial Health Check-In:

✅One conversation
✅ A fresh look at your financial wellness
✅ And a powerful place to start

No spreadsheets. No stress. Just a smarter way to check in on your future.

Visit your local branch to see where you stand today.

Are you in your peak earning years? Don’t miss the chance to supercharge your retirement savings before year-end.1) Max ...
08/13/2026

Are you in your peak earning years? Don’t miss the chance to supercharge your retirement savings before year-end.

1) Max out your 401(k) or IRA
2) Use catch-up contributions if you’re 50+
3) Rebalance your portfolio to stay aligned with your goals

These steps can help you optimize your long-term income and reduce risk as you approach retirement.

The sooner you start saving for retirement, the sooner you can take advantage of compound interest. Make the most of you...
08/11/2026

The sooner you start saving for retirement, the sooner you can take advantage of compound interest. Make the most of your savings and start saving for retirement!

If you don't have one already, set up and maintain an emergency fund. This nest egg will give you confidence when times ...
08/05/2026

If you don't have one already, set up and maintain an emergency fund. This nest egg will give you confidence when times are tough or you have a financial emergency.

Small habit shifts can lead to real progress. Consider canceling unused subscriptions, cutting back on non-essential exp...
08/03/2026

Small habit shifts can lead to real progress. Consider canceling unused subscriptions, cutting back on non-essential expenses, or cooking at home instead of ordering out. Redirect that money toward savings and investments.

07/31/2026

**TRUMP ACCOUNTS ARE LIVE**

Trump Accounts opened on July 4. A few questions are worth considering:

➡️ Our baby is 18 months old. Do we qualify for the $1,000?

Yes. Every U.S. citizen baby born since January 1, 2025, qualifies for a one-time $1,000 federal contribution.

➡️ Is there an income maximum?

No. Eligibility is based on the child's citizenship and birth date, not family income.

➡️ Our child is 7. Did we miss it?

Not entirely. Any U.S. citizen under 18 can have an account opened. The federal $1,000 payment applies only to children born in 2025 through 2028, but everything else still applies.

➡️ Can grandparents contribute?

Yes. Up to $5,000 per year combined across parents, grandparents, family, and the child themselves.

➡️ What is the catch?

State tax conformity varies; California, for example, does not currently conform.

Whether to contribute, how much, and how to coordinate it with what you already have are all worth talking through. Our team is here for that.

Address

110 S Main Street
Hallettsville, TX
77964

Telephone

+13612939231

Website

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