We strive to educate and guide Christians, to help them make informed financial decisions that cultivate the kinds of success they envision for themselves, their families and their communities.
We strive to educate and guide Christians, to help them make informed financial decisions that cultivate the kinds of success they envision for themselves, their families and their communities.
Our story
Cross Rivers Financial is a team of financial professionals united by common values and a commitment to our clients. From our office in the historic riverfront neighborhood of St. Charles, to the rolling hills of Southeastern Missouri in Frohna, we serve Christians throughout the state and country, both in person and aided by technology.

Our team
How we work with you
We are motivated to help clients feel confident and empowered to make financial decisions that reflect their values and vision of success. We work hard to provide each client with support to shape their family’s future, while extending generosity to their communities and those in need.

Our solutions
About Thrivent
Thrivent is a member-owned financial services organization offering advice, investments, insurance, banking and generosity programs to help clients make an impact on the people, causes and communities they love.
Where Money Means More™
Community impact
Thrivent membership benefits
When you join Thrivent, you become part of something bigger. You share in the collective ownership of our company and you’re part of a community of people looking out for others. In addition to Thrivent’s financial expertise and solutions, membership provides eligible clients with tools and resources to make it easy to give of yourself and live a more meaningful life.

Strong and stable
We are proud to be part of Thrivent, a company with a long heritage of financial strength and fiscal stability. For more than 120 years, Thrivent has helped people build their financial futures and live more generous lives. Today, Thrivent is a Fortune 500 company, offering a full range of expert financial solutions, serving more than 2.4 million clients, as well as the communities in which they live and work.
News and insights

What is a multi-year guaranteed annuity (MYGA) & how does it work?
Which one of the following tools have you used to help add predictability to your portfolio during periods of market uncertainty? 1. Certificate of deposit (CD) 2. High-yield savings account 3. Multi-Year Guarantee Annuity (MYGA) If you’ve never heard of a MYGA before, you’re not alone. Let’s explore what it is and how it might work for you. 36386k

Working tax efficiency into your financial strategy
When it comes to retirement, a tax-efficient strategy can help preserve more of what you’ve built. Sometimes even small adjustments, like reviewing your withholdings or retirement contributions, can create opportunities. Take a look at 2026 tax brackets and the diversification strategies that may be right for you. ⬇️

What is portfolio rebalancing? Tips to maintain your target investment mix
Is now the time to rebalance your portfolio? Over time, market shifts can expose you to more risk than you intended. Rebalancing is usually necessary on a periodic basis to help restore your portfolio to your target allocations. Here are 3 reasons why it may be time to rebalance. 👇
Office information
Operating Hours:
M – Thur: 9 a.m. – 5 p.m., Fri: 9 a.m. - 3 p.m.
Operating Hours:
M – Thur: 9 a.m. – 5 p.m., Fri: 9 a.m. - 3 p.m.













