How We Work

For over 25 years, as a Certified Investment Management Analyst®, Lou Falvo has been advising clients about all things financial: asset allocation, investment strategy, cash flow and lifestyle needs planning.

His unique style for the wealth management process creates a warm, welcoming approach for appropriate planning solutions to help individuals and families support their most important financial priorities.

Asset Management

Provides asset management by coordinating and overseeing a client’s financial portfolio — e.g., investments, budgets, accounts, insurance and tax management strategies.

Financial Guidance

Goal based financial planning and help with all things financial.

Legacy Implementation

Financial strategy that prepares a person to bequeath his or her assets to a loved one or next of kin after death.

Estate Coordination

The collection of preparation tasks that serve to manage an individual’s asset base in the event of their incapacitation or death, including the bequest of assets to heirs and the settlement of estate taxes. Most estate plans are set up with the help of an attorney experienced in estate law.

Retirement Management

The process of determining retirement income goals and the actions and decisions necessary to pursue those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program and managing assets. Future cash flows are estimated to determine if the retirement income goal will be realistic.

Tax Reduction Strategies

Minimizing your family’s tax obligations is a key part of the overall wealth planning process.

Specialty Areas

Embracing Change
We can plan and plan for things and events in our lives. Yet, there are times when we are faced with unexpected changes. Having advisors who specialize in providing well thought out choices for various changes is the fundamental premise of why Cross Roads Investment Management was established.\

Managing Risk
It can be a balancing act at times to look at pursuing a return you are happy with while still feeling comfortable with the risk you are taking. These cross-roads are sometimes based upon our emotions and logic. Having a team of professionals who evaluate and manage risk is not assured of success, but certainly can be a strong advantage in financial management.

It can be 5, 10, 15 years into the future or just next week. Retirement can become a great intersection where your working career has provided resources to engage in leisure, travel, and just enjoying having freedom over your day.

Divorce Issues
Some relationships, unfortunately, must come to an end. When a marriage enters into the stages of divorce proceedings, there are many issues that having a financial professional can address and help sort out. Cross Roads Investment Management advisors are not attorneys but are highly trained and Certified Divorce Financial Analyst®.

Managing Loss
The loss of a companion, a family member, a spouse, or even a good friend can have many emotions and stages of grief. Having to work with many financial matters during this period of time can become overwhelming. Cross Roads Investment Management Advisors have years of work in these sensitive matters and really can empathize with many situations.

Financial Decision
You hear of people winning the lottery and having a financial windfall. Later on we learn about how the responsibility for these big financial decisions was more than was expected. Not that everyone wins the lottery, however, there are many cases where settlements, estates, and life insurance proceeds can become large sums of funds that need proper guidance and support for making the appropriate decisions.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you. | (585) 542-2382