Cross Point Solutions is a financial and protection planning firm based in Columbia, Maryland, serving individuals, families, federal employees, professionals, and business owners. Founded by Zina, a former federal employee and licensed insurance professional, the firm aims to make financial conversations educational, practical, and easier to understand, without pressure.

Its services include guidance for federal employees navigating retirement transitions and Thrift Savings Plan options, as well as support with 401(k) and IRA rollovers related to job changes, layoffs, or retirement. Cross Point Solutions also discusses annuities for retirement income planning and Indexed Universal Life insurance as a possible long-term protection strategy. Additional offerings include children’s future planning, small-business planning, and access to legal protection services and resources for families and businesses.

The firm emphasizes personalized conversations, clear explanations, and long-term planning tailored to each client’s circumstances. Through consultations, educational resources, blogs, and explainer videos, it helps clients explore available choices and better understand relevant features, limits, and considerations before making financial or insurance decisions.