Home /  About /  Contact

Cross Financial Services is a small firm with a large amount of experience and expertise. Our staff is comprised of professionals with experience at large CPA firms as well as corporate CFO, controller and staff accounting positions.

Contact us today to get started!

Cross Financial Services, LLC
10 Highland Avenue
Franklin IN 46131
317.560.4045

About Us


We are often askedWhy is the firm named Cross Financial Services?” The answer is simple: We owe everything to our Lord Jesus Christ and want to outwardly recognize that and honor Him and His sacrifice on the cross.




Cross Financial Services founder and President Jeff Joyce has over 20 years of experience as a community bank executive and external auditor and consultant. He understands firsthand the challenges that community financial institutions face. Prior to entering the banking industry as an employee, Jeff started his career auditing and consulting financial institutions in Indianapolis at Crowe Chizek, a large CPA firm. A few of the events that he has successfully lead financial institutions through during his career include:

  • Formation of de novo banks
  • Issuance of common stock through public offerings
  • Suspension of SEC filing requirements
  • Issuance of preferred stock under TARP and related on-going compliance reporting
  • Mergers and related due diligence and integration
  • Designing and implementing the changes needed to achieve the release of regulatory enforcement actions and informal regulatory agreements and restrictions

Co-founder, Heidi Unruh, is the firm's Vice President of Accounting and Operations. Prior to helping launch Cross Financial Services, Heidi held a position in the accounting department of a local community bank. Her prior experience includes general accounting and bookkeeping duties as well as several bank specific operational positions and duties within the loan and deposit operations departments.

Cross Financial Services is located just south of Indianapolis in Franklin, Indiana and serves community banks throughout the midwest with total assets sizes ranging from $25 million to $2 billion as well as local businesses, not-for-profit organizations, and individuals.

Cross Financial Services is a Registered Investment Advisory firm registered with the state of Indiana.

Contact us today to get started!