For accountants and attorneys

The client stays yours. That is the entire premise.

This page exists because the first question every accountant has is the one nobody puts on a website. So here it is, answered first.

The firm behind the practice

Built inside a firm that was built around accountants.

Cross Financial began as a wealth management firm, added accounting services, and in November 2025 became the first wealth management firm to join Current, a national platform of independent accounting firms. Accountants are not an afterthought in this structure. They are most of it.

For accountants inside Current’s network, that means a wealth management partner on the same platform. For accountants outside it, the commitments below apply exactly the same way: the client stays yours, and so does the tax relationship.

How Viva, Cross Financial, and Current fit together

The commitments

What this practice will not do.

These are the terms of the working relationship, stated plainly.

  • 01
    We do not prepare tax returns.

    Return preparation and tax compliance stay entirely with you. There is no version of this relationship where that changes.

  • 02
    We do not provide tax advice.

    Christopher Acquaviva is not a CPA and is not an attorney. Tax positions are yours. Where an investment decision has a tax consequence, that consequence is routed to you rather than resolved independently.

  • 03
    We do not solicit your tax or accounting engagements.

    The engagement is investment advisory. Your firm's tax and accounting service lines are not a target.

  • 04
    You stay informed.

    You are copied on the planning items that touch tax, and you receive a summary after meetings where tax-relevant decisions are discussed, subject to the client's written consent to share information.

  • 05
    Your client can end this at any time.

    So can you. No exclusivity, no term commitment, and no penalty for walking away.

The model

How the collaboration actually works.

Step 1

You identify a situation

Typically a client with a concentrated position, a business sale on the horizon, or a portfolio generating gains you find yourself managing around every year.

Step 2

Disclosure first, then a joint conversation

Before any introduction is made, the client receives written disclosure of the nature of the relationship between our firms, including whether any compensation is involved and any resulting conflict. Only then, and where the client agrees, does the first substantive conversation take place with you in the room.

Step 3

Division of labor is documented

Who owns what is written down: tax positions and compliance to you, investment advisory and implementation here, and legal instruments to counsel. The client receives this in writing.

Step 4

Ongoing coordination on your calendar

Planning items surface before deadlines rather than after, aligned to estimated payments, extensions, and year-end.

Where this practice works

The technical scope, so you can assess fit in eight seconds.

  • Concentrated single-stock positions
  • Staged unwinds
  • QSBS §1202 lookback analysis
  • Qualified opportunity zones
  • Exchange funds
  • Option collars and overlays
  • Securities-based lending
  • Tax-loss harvesting
  • Long/short tax-aware strategies
  • Direct indexing
  • Asset location
  • Alternative investments
  • Donor-advised funds
  • Charitable remainder trusts
  • 10b5-1 planning
  • Estate and trust coordination with counsel
  • Roth conversion analysis
  • Dynasty and GST planning
  • Equity compensation
  • Retirement income sequencing
Material limitations, displayed with the list above

Each of these carries material limitations. Section 1202 treatment depends on qualification tests at both the entity and shareholder level and on holding periods that may not be met. Opportunity zone investments are illiquid, involve long commitment periods, and depend on program rules that may change. Exchange funds require multi-year holding periods and limit liquidity. Option strategies limit upside and involve counterparty and market risk.

Securities-based lending creates the risk of a collateral call, potentially requiring liquidation at an unfavorable time and at an unfavorable tax result. Tax-loss harvesting generally defers rather than eliminates tax and reduces cost basis. Direct indexing carries tracking difference versus the index and higher administrative cost and complexity. Long/short strategies involve short-sale risk, which is theoretically unlimited, and may involve leverage.

Donor-advised funds and charitable remainder trusts are generally irrevocable once funded. Staged unwinds leave residual single-company risk throughout the unwind period. Alternative investments are illiquid, involve substantial risk including loss of the entire investment, and are not suitable for every investor. Whether any of these are appropriate depends on facts specific to each client.

Roth conversions cannot be undone and create tax in the year of conversion. Trusts, including dynasty trusts, are generally irrevocable, are drafted by counsel, and depend on state law. Equity compensation decisions can create tax, including AMT, before shares are sold.

How compensation works

Terms are a conversation between our firms.

Compensation arrangements between this practice and referring professionals are governed by Rule 206(4)-1 and by Cross Financial Advisors, LLC's policies. Any arrangement is documented in a written agreement, disclosed to the client at the time of referral, and described in Form ADV Part 2A.

Specific terms are not a web page.

Start with a conversation between the two of us.

No client involved, no introduction requested. Thirty minutes to determine whether the working model fits how your firm operates.

Request a professional call