In-county fiduciary wealth management, trust administration, and independent SEC-registered investment advisory corridor serving retirees across Cross City (32628), Old Town (32680), Horseshoe Beach (32648), and Suwannee (32692): (1) Seacoast Wealth Management & Seacoast National Bank Trust Division operating at the Cross City branch (104 NE Hwy 351, Cross City, FL 32628, (352) 498-7733; Nature Coast regional desk at 1636 N Young Blvd, Chiefland, FL 32626, (352) 493-3217), led by Vice President & Wealth Advisor Luis Alejandro Vera (FINRA/SEC CRD #7207238, active Series 7, Series 66 & Florida Life/Health/Variable Annuity licenses, 0 regulatory disclosures, dual-registered with LPL Financial LLC, CRD #6413 / SEC #801-10970) and Senior Vice President & Senior Trust Officer Justin Hardy (corporate fiduciary administration under OCC Charter #22302); (2) Smith Asset Management Co., LLC at 2560 N Young Blvd (US Hwy 19/98, just 11 miles south of Old Town across the Suwannee River), Chiefland, FL 32626 ((352) 493-7700, https://www.smithassetmgmt.com; Independent SEC-Registered Investment Adviser Firm CRD #127684, SEC File #801-81169, Florida Sunbiz Doc# L03000021586, managing ~$198 million in discretionary retirement assets with 0 disciplinary disclosures), led by Chief Investment Officer Benjamin S. Smith, J.D. (Individual CRD #4840478, FL Bar #22028, 0 disclosures) and Senior Investment Advisor Benjamin Larry Smith, J.D. (Individual CRD #4883138, 0 disclosures); and (3) Lancaster Wealth Management LLC (1208 N Young Blvd, Chiefland, FL 32626, (352) 451-1691, https://www.lancasterwm.com; Sunbiz Doc# L23000284965), led by historic Drummond Community Bank financial advisor Kathryn McLeod Lancaster (Individual CRD #5964235, 0 disclosures, registered with Independent Financial Partners CRD #125112 and IFP Securities CRD #297287).
Official Verification Sources: SEC Investment Adviser Public Disclosure (IAPD) — Smith Asset Management Co., LLC (CRD #127684); FINRA BrokerCheck — Luis Alejandro Vera (CRD #7207238) & Kathryn McLeod Lancaster (CRD #5964235); Seacoast Wealth Management & Trust Services
Issuer: U.S. Securities and Exchange Commission (SEC) & Florida OFR
Notes: Verified 2026-10-26 via SEC IAPD: Smith Asset Management Co., LLC (CRD #127684, SEC #801-81169, 2560 N Young Blvd, Chiefland, FL 32626, (352) 493-7700) is the closest standalone SEC-registered fiduciary RIA to Dixie County, with 0 disclosures.
Issuer: FINRA, U.S. SEC & Office of the Comptroller of the Currency (OCC)
Notes: Verified 2026-10-26: VP & Wealth Advisor Luis Alejandro Vera (CRD #7207238, 0 disclosures) and SVP & Senior Trust Officer Justin Hardy serve Dixie County clients at Seacoast National Bank, 104 NE Hwy 351, Cross City, FL 32628 ((352) 498-7733).
Issuer: U.S. SEC & FINRA
Notes: Verified 2026-10-26: Kathryn McLeod Lancaster (CRD #5964235, 0 disclosures, formerly Drummond Community Bank wealth advisor) operates Lancaster Wealth Management LLC at 1208 N Young Blvd, Chiefland, FL 32626 ((352) 451-1691).
Factual details and direct answers about Seacoast Wealth Management (Cross City Branch) & Smith Asset Management Co., LLC (Independent SEC Fiduciary RIA — CRD #127684) / Lancaster Wealth Management's services, licensing, and credentials.
Are there any independent SEC-registered fiduciary investment advisory firms (RIAs) inside Dixie County?
SEC Investment Adviser Public Disclosure (IAPD) records confirm zero (0) standalone SEC-registered RIA firms physically headquartered inside Cross City (32628) or Old Town (32680). However, Dixie County retirees have immediate in-county access to Seacoast Wealth Management & Trust Officers at 104 NE Highway 351, Cross City ((352) 498-7733, VP Luis A. Vera, CRD #7207238, and SVP Justin Hardy), as well as the Nature Coast's premier standalone SEC fiduciary RIA just 11 miles south of Old Town across the Suwannee River: Smith Asset Management Co., LLC (CRD #127684 / SEC #801-81169, 2560 N Young Blvd, Chiefland, (352) 493-7700, led by Benjamin S. Smith, J.D., CRD #4840478).
Can Seacoast National Bank in Cross City serve as a corporate trustee or executor for a Dixie County estate?
Yes. Operating under federal OCC national bank trust powers (Charter #22302 / FDIC #109), Seacoast Wealth Management's Trust Division provides neutral, bonded corporate trustee, successor trustee, and personal representative administration for Dixie County revocable living trusts, special needs trusts, and probate estates.
Connect with complementary legal, financial, and residential providers serving seniors in Cross City and Dixie County.
Chana M. Watson, Attorney at Law, P.A. — Chana Marie Watson, Esq. (With Kyle S. Felty, Esq., B.C.S., Real Estate)
Cross City, Dixie County
(352) 578-2014
The Timbers Apartments (Cross City USDA Section 515 Senior & Family Housing — Royal American Management, With Fanning Springs Border Villas)
Cross City, Dixie County
(352) 498-3175
Cross City Nursing and Rehabilitation Center (60-Bed Skilled Nursing, Post-Acute Rehab & Memory Care — Cross City)
Cross City, Dixie County
(352) 498-2005
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Seacoast National Bank (FDIC #109), Ameris Bank (FDIC #16480) & Capital City Bank (FDIC #9622) — In-County FDIC Senior, IRA & Estate Banking (Cross City)
Cross City, Dixie County
Balog + Hodges, CPAs (Formerly Anne G. Hodges, CPAs — Cross City DBPR Firm #AD67179) — With Trenton CPAs W. Wesley Roberts, CPA (#AC0031519) & Max K. McGee, CPA (#AD65324)
Cross City, Dixie County
Capital City Strategic Wealth & Capital City Trust Company — Daniel D. 'Danny' Etheridge, CRPC®, CKA® (Cross City & Fanning Springs In-Branch Advisory)
Cross City, Dixie County
The Barber Group of Raymond James — Kelly Dean Barber (Trenton — CRD #5006677) & Edward Jones — Cory G. Taylor, CFP® (Perry) & Sheila Kay Smith (Newberry)
Cross City, Dixie County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.