For the health and safety of our clients and associates, we are temporarily closing our physical office in an effort to minimize the spread of COVID-19. However, we will continue to work remotely on your behalf. For the time being, we plan to rely on phone and web conferencing to stay in contact with valued clients, like you.
While the physical office is temporarily closed, we have taken measures to ensure your needs remain a top priority, so your phone calls may be routed to our mobile numbers.
Face to face meeting will likely resume later this year. That decision will be based on guidance from the State of Florida and Governor DeSantis. Even when we do open the office, we will be encouraging clients who are at high risk to continue with phone and virtual meetings until they feel completely comforable and safe to meet in person.
Staying Connected Virtually...
Securely access your account information, print tax documents and view your financial documents at any time through your account login. You can also update your document delivery preferences to reduce the paper mail you receive with your online access or you may email Lynne Fenton with a message requesting “reduced paper mailing”.
CrossPlan Money Management is an independent, privately owned investment advisory firm established in 1987 in Seminole, Florida. We offer specialized, active money management strategies not widely available to individual investors.
While developing a customized financial program, we will walk you through a step-by-step process to help you feel confident in your decisions. We will customize appropriate strategies to suite your vision, objectives, and goals.
Palm Investments LLC, dba CrossPlan Money Management, was established by Paul Palm in 1987 to serve the residents of Seminole, Florida and Tampa Bay. We now serve residents across the United States. We are money managers, not product sales people. Our main business is managing individual accounts, normally on a discretionary basis. We also utilize high quality institutional strategists. We are compensated primarily through advisory fees, not sales commissions.
In 1993, after returning from a one year project in Kenya, East Africa, John joined CrossPlan to work along side his father. Together they have built an independent firm offering boutique experience for their clients. John's vision of building a life balanced between work and family has become a philosophy woven into the company and the clients it serves.
John holds a degree in political science and business management as well as a Masters degree focusing on education. As a result, CrossPlan has become a teaching and educational financial advisor. Patience and understanding of clients individual goals and financial concerns are a priority with John.
He currently serves as a board member of a national missions and international development board of directors as well as an international youth development board in the role of financial advisor. John enjoys spending time with family and exploring the natural Florida rivers and springs. He raises honey bees, backyard chickens and enjoys gardening.
John and his wife Melanie have been married for 25 years. They have wonderful boys that range from age nine to nineteen. John has a fluid understanding of the capital markets and holds all relevant licenses and designations to serve clients with confidence.
Getting to know John...
As the Office Manager with over a 21-year career at CrossPlan and 35+ years of experience, Lynne assists in maintaining client relations, accounts, and supervising the daily internal operations of the office. She is experienced in providing administrative leadership, human resources, employee relations, and team building. Lynne is dependable and extremely efficient in all aspects of client and office administration. With a friendly and positive attitude, you can always count on her for assistance.
Born and raised in New Hampshire, Lynne left the University of New Hampshire to enjoy the warm Florida sunshine for the past 35 years. She has raised two wonderful children, her daughter, a local Police Officer and her son, a U.S. Marine and now enrolled in the Fire Academy. Lynne spends her off time boating with her fiancé Bryan, taking walks with the family dog, Jameson and spending time in her flower garden.
Getting to Know Lynne...
Paul Palm founded CrossPlan in 1987 after a successful career in the financial industry. His mission was providing excellence in investment management with a “small town” feel. Paul grew up in the small town of Flandreau, South Dakota in the 1930’s and 1940’s, where a shared cup of coffee and a friendly smile were the norm. As a young adult, Paul moved to Seminole, Florida where he began CrossPlan. Paul continues to live in Seminole with his lovely wife, Myrna, and acts as a business advisor to CrossPlan (as well as his 13 grandchildren).
Paul and John still discuss the stock market almost everyday. Paul’s compassion, strength of character and experience with all market environments is still influential on our company.
Today, CrossPlan strives to combine that original DNA with high-technology and world class asset management. We are grateful to Paul for the foundation he laid.
Getting to know Paul...
Allan Sansotta has served as a trusted mentor and business to business associate to CrossPlan since 1988. His career in the securities industry began in 1967 and he formed Beacon Advisors, an investment advisory firm, in 1992. He graduated from Ohio State University with a major in finance. Allan has supported the local community as city commissioner of Treasure Island, and board seats with Florida Council of Economic Education, The Child Guild Clinic and Suncoast Seabird Sanctuary. He is a long-term resident of Treasure Island and an ardent international traveler. Allan came aboard with CrossPlan as an investment advisor representative in 2016. His wisdom and market experience has been invaluable.
Getting to know Allan...
Melanie received her Bachelor of Science degree from University of South Florida in Tampa. Prior to that she attended Keswick Christian High School and St. Petersburg College. She is raising five boys – three of which are currently in college or dual enrollment as high school students in college. Melanie is working with CrossPlan as a client liaison and on special projects and events. Passionate about health and fitness, she is a certified health coach for The FASTer Way health and wellness program. She loves working with people and is a great addition to our company.
Getting to know Melanie...
Dianna Giffin has worked part-time for CrossPlan Money Management as an Administrative Assistant for almost 18 years. She worked as a Statistician for the Federal Government for 30 plus years prior to joining the CrossPlan team. Dianna loves working with the Palm Family and learning about saving money and how to invest for her future.
Dianna’s favorite pastime is spending as much time as possible with her daughter and grandchildren and as well as with her younger 6 brothers and 2 sisters. Working has helped Dianna to travel the world, she mostly loves cruises. Dianna just completed a 59-day cruise to South America just before all the ships stopped sailing, but is hoping to do it again real soon.
Getting to know Dianna...
CrossPlan was conceived in 1980 and founded in 1987. Our purpose was and is to provide personalized financial management services with the highest degree of excellence. To be successful in this endeavor, we developed an innovative business structure distinctly different from the classical brokerage model.
We believed then, as we do now, that the business model of the brokerage firm is flawed. Frequently, that model causes the interests of the firm/broker to be misaligned and in conflict with the client. To achieve our goal, we created a model that placed CrossPlan in complete alignment with the interests of our clients. We are completely independent. We are not pressured or rewarded in any
way by corporate proprietary interests, trading costs, or the like. Our sole objective is to serve the interests of our clients.
In the late 80’s, this was an innovative concept, but the success and longevity of our firm speaks to the soundness of the idea. We are thankful for our last 30 years and look forward to partnering with you for our next.
The Vanguard Group, based in Malvern, Pennsylvania, has over $4.5 trillion in assets under management and is the largest provider of mutual funds and the second-largest provider of exchange-traded funds (ETFs) in the world. Additionally, Vanguard offers variable and fixed annuities, educational account services, financial planning, asset management, and trust services.
TD Ameritrade provides investing and trading services for 11 million client accounts that total more than $1 trillion in assets, and custodial services for more than 6,000 independent registered investment advisors. With clients placing, on average, approximately 500,000 trades each day, it maintains the leadership position it assumed when founder Joe Ricketts opened his doors in Omaha, NE, in 1975.
Ocean Park's strategies were engineered to reduce volatility while achieving satisfying returns over a market cycle. Ocean Park and its affiliates manage or advise over $3.0 billion of client assets.
Over the past 85 years, focusing on customers and valuing people have helped Nationwide become one of the largest insurance and financial services companies in the world.
Main averages over 30 years experience, contributing a real-world perspective to the investment decision making process and makes the investment process not reliant on one individual. Personal investment in the firm's investment strategies allows the team to be 100% aligned with the clients' interests.
Gilder Gagnon Howe & Co. manages investments for individuals on a discretionary basis. Our clients are diverse in many respects but united in one: they wish for their money to grow significantly and are prepared to take a measure of risk over a number of years.
FTJ FundChoice, LLC is a leading provider of investment, reporting and service solutions. Whether you outsource investment management to third-party strategists or run your own model portfolios, our technology and service offer you the flexibility your business needs to grow.
First Trust Portfolios L.P. and its affiliate First Trust Advisors L.P. (collectively "First Trust") were established in 1991 with a mission to offer investors a better way to invest. First Trust is single-minded about providing trusted investment products and advisory services.
BlackRock is trusted to manage more money than any other investment firm. BlackRock’s business is investing on behalf of its clients — from large institutions to parents and grandparents, teachers, nurses, doctors and people from all walks of life who entrust their savings to us.
The mission at Toews is to improve investor outcomes by participating in market gains while avoiding significant losses. Toews' strategies attempt to exit traditional asset classes during the preliminary phase of market declines, before large losses are realized. When markets are rising, assets are fully invested and attempt to track indices.
At CrossPlan, we strive to have the finest customer service. Being available to answer your questions is very important to us. Please contact us and we will gladly assist you in any way we can.
© 2020 Crossplan Money Management
All rights reserved. Crossplan Money Management is a registered investment advisor. The opinions expressed herein are for general information only and should not be considered a solicitation for the purchase of any security. NOT FDIC-Insured, NO Bank Guarantee, MAY Lose value
Each Day an Opportunity.
Submit the form provided to schedule a free, 2nd opinion review with one of CrossPlan’s financial advisors. We’ll be happy to explore whether or not we can add substantial value to your investment portfolio.
Approx. 1 hour
To understand your situation thoroughly, we’ll discuss your Values & Goals, Assets & Liabilities, Income & Expenses, Hobbies & Interests, Past & Present Advisors
We’ll provide you an assessment of your financial health and identify gaps in your personal finance. We’ll also provide a big picture financial plan to close those gaps.