We Help You...
Make Smarter Retirement and Insurance Decisions Without Pressure
For federal employees, professionals, families, and business owners
Licensed in Multiple States
Retirement & Family Planning
Personalized Strategies
Layoff & Career Transition
Federal Employee Guidance
Retirement and protection plans for different stages of life
TSP & Federal Employee Guidance
Helping federal employees better understand retirement transition and rollover options.
401(k) & IRA Rollovers
Helping individuals navigate layoffs, job changes, and retirement account decisions with more clarity.
Annuities
Understanding income-focused strategies designed to support long-term retirement planning.
Indexed Universal Life (IUL)
Exploring long-term protection strategies with greater clarity and transparency.
Children Future Plan
Explore ways to help prepare for future education costs, long-term security, and generational financial support.
Small Business Planning
Support your business, employees, and long-term goals with strategies designed for growing businesses and business owners.
LEGAL PROTECTION
Affordable Legal Protection for Families & Businesses
LegalShield helps individuals, families, and business owners access legal support for everyday situations, unexpected issues, and important decisions without the high cost of traditional legal fees.
Explore coverage options directly or schedule a conversation with our team if you'd like help understanding what may fit your situation best.
About Us
About Cross Point Solutions
Cross Point Solutions is a financial and protection planning firm focused on helping people make more informed long-term decisions about retirement, rollovers, income protection, business planning, and family security.
We believe financial conversations should feel educational, practical, and easier to understand.
Our team works with individuals, federal employees, families, and business owners who want guidance they can actually understand before making important financial decisions.
Founded by Zina
Former federal employee and licensed insurance professional helping clients navigate retirement, rollover, and protection planning with clarity and education-first guidance.
Why Families, Professionals & Business Owners Trust Crosspoint Solutions
Clear Guidance
Financial decisions can feel overwhelming. We help simplify the process with practical conversations centered around your goals.
Long-Term Thinking
Our approach focuses on protection, preparation, and building strategies designed to support the future you’re working toward.
Personalized Conversations
No one-size-fits-all plans. Every conversation starts with understanding your unique situation first.
Education First
We believe informed decisions create stronger outcomes, which is why education and clarity are part of every consultation.
Have Questions About Your Retirement or Insurance Options?
If you’re navigating retirement decisions, a rollover, or long-term protection planning, you don’t have to figure everything out alone.
Frequently Ask Question
What does Crosspoint Solutions do?
Crosspoint Solutions helps individuals, families, federal employees, professionals, and business owners better understand retirement planning, rollover options, long-term protection strategies, and financial planning conversations designed to support long-term goals.
What is an Annuity?
An annuity is a financial product offered by insurance companies that is designed to help provide income during retirement. Some annuities focus on guaranteed income, while others are designed for long-term growth and protection strategies.
Can I lose money in an annuity?
That depends on the type of annuity. Some annuities are designed to protect principal from market loss (Fixed Indexed Annuities), while others may involve investment risk (Variable Annuities). Understanding the features, limits, and terms of an annuity is important before making decisions.
What is Indexed Universal Life (IUL) Insurance?
Indexed Universal Life (IUL) insurance is a type of permanent life insurance that includes both a death benefit and a cash value component linked to a market index. It is often used for long-term protection and financial planning strategies.
Is an IUL right for everyone?
No. Indexed Universal Life insurance is not a one-size-fits-all solution. The right strategy depends on your financial goals, budget, long-term plans, and protection needs.
What happens to my retirement account if I leave my job?
You may have several options, including leaving the account where it is, rolling it into another retirement account, or transferring it to a new employer’s plan. Reviewing your options carefully can help avoid taxes or penalties.
What is the difference between a rollover and a withdrawal?
A rollover moves retirement funds from one qualified account to another without taking the money directly. A withdrawal means taking money out of the account, which may result in taxes or penalties depending on your age and situation.
Is this a sales consultation?
The goal of the conversation is to help you better understand your options, ask questions, and gain clarity around retirement, rollover, and protection planning decisions without pressure or confusion. Book a free consultation.
Community Engagement & Educational Outreach
Exploring New Career Opportunities?
Learn more about becoming part of the Cross Point Solutions team.
Helping individuals, families, federal employees, and business owners make informed financial and protection decisions with greater confidence.
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