Crossplan Money Management

Palm Investment Strategies, LLC, operating as CrossPlan® Money Management, was founded by Paul G. Palm in 1989 as a fee-for-service registered investment advisor. The firm offers Portfolio Management and Portfolio Monitoring services, with assets under management totaling $39,368,863 for discretionary accounts and $6,375,982 for non-discretionary accounts as of January 1, 2018. The firm's mission is to simplify investment options and implement strategies to maximize wealth while minimizing risk. The firm offers various investment programs, including CrossPlan® Sector Momentum, CrossPlan® Relative Strength Allocation, CrossPlan® Customized Fixed Income Accounts, CrossPlan® Dividend & Growth, CrossPlan® All-Cap Value - Concentrated, and CrossPlan® Customized Portfolios. These programs have different account minimums and annual fees ranging from 1.50% to 2.50%. Clients have the option to grant investment discretion to the firm, allowing them to buy and sell securities on their behalf. The firm does not vote client proxies and does not participate in class action lawsuits on behalf of clients. The firm's principal executive officers and management persons are detailed in the Brochure Supplements. The firm's advisors, including John R. Palm, Brad R. Graham, and Allan J. Sansotta, are licensed insurance agents and may earn commissions from insurance sales. The firm's advisors do not receive additional compensation based on sales or referrals. The firm's compliance officer oversees regulatory compliance, and the firm has no disciplinary events to report.