U.S. Asset Management
About
I've been an advisor for over 30 years, assisting clients and managing their investments during good times and through the Great Recession of 2008. Our job is to help you make better decisions with your money so that you stay on track with your goals.
My certificaitons include:
CPM - Certified Portfolio Manager, accredited through Columbia University.
CRPC - Certified Retirement Planning Counselor
CDFA - Certified Divorce Financial Analyst.
I’ve helped hundreds of families and individuals with long-term strategies, including transitions after a business sale, college planning, retirement planning, tax reduction, estate planning and philanthropic gift strategies.
I spent the first part of my career working for the top financial services firms and achieved best practitioner status before I started my own company in 2016.
Today, I have a reputation as a knowledgeable professional who treats clients as peers, speaks plainly and I’m fortunate to call my clients my friends. We are active in the community with several charitable causes and we are building our company to have the capacity to give back substantially by our 10 year anniversary in 2026.
SERVICES OFFERED:
Portfolio Management
Financial Planning
Wealth Management
Philanthropic Strategies
Financial Education, Speaker
CONTACT INFO:
David Cross, CPM, CRPC, CDFA
678-894-0696 (Office)
www.us-am.com
Helping you make better decisions with your money.SM
I enjoy helping people who appreciate constructive feedback and follow my advice. I love hearing clients share stories about how they started working with me 10 or 20 years ago and while things may have seemed impossible when we started, they followed my advice and even though we went through some harrowing times, they ended up where they wanted to be today. I enjoy building long-term relationships built on trust with realistic expectations.
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Frequently asked questions
What is your typical process for working with a new customer?
Process:
First meeting is getting to know you and you getting to know us. We will assess your situation and determine if your needs are a fit for what we do. We will gather information about your assets, liabilities, income, expenses, cash flow and special situations that may affect your finances. We will use this data to prepare a financial plan (at no cost, we will get to why in a moment) that will be stress tested with several "what-if" scenarios.
In the second meeting, we will discuss your financial plan and the investments that we believe make the most sense to help reach your goals.
Our financial plan is free because it gives us an opportunity to get to know you and for you to get to know us. We also do not charge for it because we feel that proper investment recommendations cannot be made without knowing as much about you as possible.
At the conclusion of the second meeting, many folks sign up with us while others may have additional questions that need to be addressed with more inputs their plan.
What education and/or training do you have that relates to your work?
Certified Portfolio Manager
Charter Retirement Planning Counselor
Certified Divorce Financial Analyst
Bachelor of Science , Finance Auburn University
29 years of experience as an advisor
Do you have a standard pricing system for your services? If so, please share the details here.
We are a fiduciary and we charge a simple quarterly fee to manage your assets and perform regular updates to your financial plan. Our typical fee is 1.25% on an annual basis, broken into quarterly payments. Most clients deduct the fee from their investment account, but we do have the ability to bill you directly if you desire.
How did you get started in this business?
I began my college education studying nuclear engineering but by the end of my first year, 1987, my focus was on stocks and finance. I've been immersed in the work ever since.
What types of customers have you worked with?
Our typical client is between 45 and 65. They are ususally busy executives or business owners who have assets scattered in several places where they are an unimportant client to many providers. Our job is to marshall their resources and focus on their goals.
What advice would you give a customer looking to hire a pro in your area of expertise?
Find our if they are a fiduciary. That's critical. Most advisors, especially at large firms, are dual licensed which means that they can be a fiduciary sometimes and they can sell you commission-based products at other times. It's a conflict that does not benefit you. It benefits the firm they work for.