**SECURITIES
      AND EXCHANGE COMMISSION**


**Washington,
      D.C. 20549**





FORM
      10-KSB








Annual
      Report Under Section 13 or 15(d) of


the
      Securities Exchange Act of 1934





For
      the
      Fiscal Year Ended: December 31, 2006





Commission
      File No. 0-1079974





**Across
      America Financial Services, Inc.**


(Exact
      Name of Small Business Issuer as specified in its charter)





Colorado
            20-8097969(State
                or other jurisdiction
            (IRS
                Employer File Number)of
                incorporation)








700
                Seventeenth Street, Suite 1200Denver,
                Colorado
            80202(Address
                of principal executive offices)
            (zip
                code)








(303)
      893-1003


(Registrant's
      telephone number, including area code)





Securities
      to be Registered Pursuant to Section 12(b) of the Act: None








Securities
      to be Registered Pursuant to Section 12(g) of the Act:





Common
      Stock, $.0.001 per share par value





Check
      whether issuer is not required to file reports pursuant to Section 13 or 15(d)
      of the Exchange Act [ ]





Indicate
      by check mark whether the Registrant (1) has filed all Reports required to
      be
      filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
      the
      preceding 12 months (or for such shorter period that the registrant was required
      to file such reports), and (2) has been subject to such filing requirements
      for
      the past 90 days.   Yes: [X]      No: [
      ]








Check
      if
      there is no disclosure of delinquent filers in response to Item 405 of
      Regulation S-B is contained in this form and no disclosure will be contained,
      to
      the best of Registrant's knowledge, in definitive proxy or information
      statements incorporated by reference in Part III of this Form 10-KSB.
      [X]





Indicate
      by check mark whether the registrant is a shell company (as defined in Rule
      12b-2 of the Exchange Act):  Yes [X]     No [
      ].





Registrant's
      revenues for its most recent fiscal year were $-0-. State the aggregate market
      value of the voting stock held by nonaffiliates computed by reference to the
      price at which the stock was sold, or the average bid and asked prices of such
      stock, as of a specified date within the past 60 days: $-0-. The number of
      shares outstanding of the Registrant's common stock, as of the latest
      practicable date, March 23, 2007, was 1,810,476.








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          1
          -*





**FORM
      10-KSB**


Across
      America Financial Services, Inc.





**INDEX**





PagePART
                IItem
                1. Description of Business
            3Item
                2. Description of Property
            8Item
                3. Legal Proceedings
            8Item
                4. Submission of Matters to a Vote of Security Holders
            8PART
                IIItem
                5. Market for Common Equity, Related Stockholder Matters and
                Issuer Purchases of Equity Securities
            9Item
                6. Management's Discussion and Analysis of Financial Condition
                and Results of Operations
            10Item
                7. Financial Statements
            F-1Item
                8. Changes in and Disagreements with Accountants on Accounting
                and Financial Disclosures
            12Item
                8A. Controls and Procedures
            12Item
                8B. Other Information
            12PART
                IIIItem
                9. Directors, Executive Officers, Promoters and Control Persons;
                Compliance with Section 16(a) of the Exchange Act
            12Item
                10. Executive Compensation
            13Item
                11. Security Ownership of Certain Beneficial Owners and Management
            13Item
                12. Certain Relationships and Related Transactions
            14Item
                13. Exhibits and Reports on Form 8-K
            14Item
                14. Principal Accountant Fees and Services
            15Signatures
            16





References
      in this document to “Financial Services,” "us," "we," or "Company" refer to
      Across America Financial Services, Inc.





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          2
          -*






Forward-Looking
      Statements





The
      following
      discussion contains forward-looking statements regarding us, our business,
      prospects and results of operations that are subject to certain risks and
      uncertainties posed by many factors and events that could cause our actual
      business, prospects and results of operations to differ materially from those
      that may be anticipated by such forward-looking statements. Factors that may
      affect such forward-looking statements include, without limitation: our ability
      to successfully develop new products and services for new markets; the impact
      of
      competition on our revenues, changes in law or regulatory requirements that
      adversely affect or preclude clients from using us for certain applications;
      delays our introduction of new products or services; and our failure to keep
      pace with our competitors.








When
      used in
      this discussion, words such as "believes", "anticipates", "expects", "intends"
      and similar expressions are intended to identify forward-looking statements,
      but
      are not the exclusive means of identifying forward-looking statements. Readers
      are cautioned not to place undue reliance on these forward-looking statements,
      which speak only as of the date of this report. We undertake no obligation
      to
      revise any forward-looking statements in order to reflect events or
      circumstances that may subsequently arise. Readers are urged to carefully review
      and consider the various disclosures made by us in this report and other reports
      filed with the Securities and Exchange Commission that attempt to advise
      interested parties of the risks and factors that may


affect
      our business.





**PART
      I**





**Item
      1. DESCRIPTION OF BUSINESS.**





(a)
      RISK
      FACTORS





*You
      should
      carefully consider the risks and uncertainties described below
      and*  *the
      other information in this document before deciding to invest in shares
      of*  *our
      common stock.*





*The
      occurrence of any of the following risks could materially and
      adversely*  *affect
      our business, financial condition and operating result. In this
      case,*  *the
      trading price of our common stock could decline and you might lose all
      or*  *part
      of your investment.*





***If
      we do not generate adequate revenues to finance our operations, our business
      may
      fail.***




We
      have not generated revenues from our inception. As of December 31, 2006, we
      had
      a cash position of $2,000. Operating costs are expected to range between $30,000
      and $50,000, for the fiscal year ending December 31, 2007. These operating
      costs
      include insurance, taxes, utilities, maintenance, contract services and all
      other costs of operations. We will use contract employees who will be paid
      on a
      per transaction basis as each mortgage transaction is closed. However, the
      operating costs and expected revenue generation are difficult to predict. We
      expect to generate revenues in the next twelve months from mortgage brokerage
      services using referrals from AARD and unrelated individuals and entities that
      operate in the financial services business. Since there can be no assurances
      that revenues will be sufficient to cover operating costs for the foreseeable
      future, it may be necessary to raise additional funds. Due to our lack of
      operating history, raising additional funds may be difficult. In January, 2007,
      an organization named Safe Harbor Business Development Company (“Safe Harbor”),
      which is affiliated with our President, Mr. Klemsz, and our largest shareholder,
      GDBA Investments, LLLP, agreed to provide operating capital in the form of
      a
      loan of $250,000 to cover operating expenses. This loan is evidenced by an
      unsecured promissory note which is due January 12, 2008, with a possible
      extension ending January 12, 2009. If we are unable to raise funds to cover
      any
      operating deficit after fiscal year ending January 12, 2009, our business may
      fail.




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          3
          -*


***Because
      we had incurred a loss and have no current operations, our accountants have
      expressed doubts about our ability to continue as a going
      concern.***





For
      the fiscal year ended December 31, 2006, our accountants have expressed doubt
      about our ability to continue as a going concern as a result of lack of history
      of operations, limited assets, and operating losses since inception. Our ability
      to achieve and maintain profitability and positive cash flow is dependent
      upon:





ཉ
            our
                ability to locate mortgage brokerage clients who will use our brokerage
                services; and





ཉ
            our
                ability to generate revenues.





Based
      upon current plans, we expect to incur operating losses in future periods
      because we will be incurring expenses and not generating sufficient
      revenues. We expect our operating costs to range between $30,000 and
      $50,000 for the fiscal year ending December 31, 2007. We cannot guarantee
      that we will be successful in generating sufficient revenues or other funds
      in
      the future to cover these operating costs. Failure to generate sufficient
      revenues will cause us to go out of business.





***The
      lack of a broker or dealer to create or maintain a market in our stock could
      adversely impact the price and liquidity of our
      securities.***




We
      have no agreement with any broker or dealer to act as a market maker for our
      securities and there is no assurance that we will be successful in obtaining
      any
      market makers. Thus, no broker or dealer will have an incentive to make a market
      for our stock. The lack of a market maker for our securities could adversely
      influence the market for and price of our securities, as well as your ability
      to
      dispose of, or to obtain accurate information about, and/or quotations as to
      the
      price of, our securities.




***As
      our stock will not be listed on Nasdaq or another national exchange, trading
      in
      our shares will be subject to rules governing "penny stocks," which will impair
      trading activity in our shares.***




As
      we do not intend to list our stock on Nasdaq or another national exchange,
      our
      stock will therefore be subject to rules adopted by the Commission regulating
      broker dealer practices in connection with transactions in "penny stocks."
      Those
      disclosure rules applicable to "penny stocks" require a broker dealer, prior
      to
      a transaction in a "penny stock" not otherwise exempt from the rules, to deliver
      a standardized list disclosure document prepared by the Commission. That
      disclosure document advises an investor that investment in "penny stocks" can
      be
      very risky and that the investor's salesperson or broker is not an impartial
      advisor but rather paid to sell the shares. The disclosure contains further
      warnings for the investor to exercise caution in connection with an investment
      in "penny stocks," to independently investigate the security, as well as the
      salesperson with whom the investor is working and to understand the risky nature
      of an investment in this security. The broker dealer must also provide the
      customer with certain other information and must make a special written
      determination that the "penny stock" is a suitable investment for the purchaser
      and receive the purchaser's written agreement to the transaction. Further,
      the
      rules require that, following the proposed transaction, the broker provide
      the
      customer with monthly account statements containing market information about
      the
      prices of the securities.




These
      disclosure requirements may have the effect of reducing the level of trading
      activity in the secondary market for our common stock. Many brokers may be
      unwilling to engage in transactions in our common stock because of the added
      disclosure requirements, thereby making it more difficult for stockholders
      to
      dispose of their shares. You will also find it difficult to obtain accurate
      information about, and/or quotations as to the price of, our common stock.




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          4
          -*


***Issuances
      of our stock could dilute current shareholders and adversely affect the market
      price of our common stock, if a public trading market
      develops.***




We
      have the authority to issue up to 50,000,000 shares of common stock, 1,000,000
      shares of preferred stock, and to issue options and warrants to purchase shares
      of our common stock without stockholder approval. Although no financing is
      planned currently, we may need to raise additional capital to fund operating
      losses. If we raise funds by issuing equity securities, our existing
      stockholders who receive shares in the spin-off may experience substantial
      dilution. In addition, we could issue large blocks of our common stock to fend
      off unwanted tender offers or hostile takeovers without further stockholder
      approval.




The
      issuance of preferred stock by our board of directors could adversely affect
      the
      rights of the holders of our common stock. An issuance of preferred stock could
      result in a class of outstanding securities that would have preferences with
      respect to voting rights and dividends and in liquidation over the common stock
      and could, upon conversion or otherwise, have all of the rights of our common
      stock. Our board of directors' authority to issue preferred stock could
      discourage potential takeover attempts or could delay or prevent a change in
      control through merger, tender offer, proxy contest or otherwise by making
      these
      attempts more difficult or costly to achieve.





***Colorado
      law and our Articles of Incorporation protect our directors from certain types
      of lawsuits, which could make it difficult for us to recover damages from them
      in the event of a lawsuit.***




Colorado
      law provides that our directors will not be liable to our company or to our
      stockholders for monetary damages for all but certain types of conduct as
      directors. Our Articles of Incorporation require us to indemnify our directors
      and officers against all damages incurred in connection with our business to
      the
      fullest extent provided or allowed by law. The exculpation provisions may have
      the effect of preventing stockholders from recovering damages against our
      directors caused by their negligence, poor judgment or other circumstances.
      The
      indemnification provisions may require our company to use our assets to defend
      our directors and officers against claims, including claims arising out of
      their
      negligence, poor judgment, or other circumstances.




***We
      are Subject to Extensive Regulation.***




Our
      proposed operations are subject to extensive regulation, supervision and
      licensing by federal, state and local governmental authorities and are subject
      to various laws and judicial and administrative decisions imposing requirements
      and restrictions on part or all of our operations. Our lending activities could
      be subject to the Federal Truth-in-Lending Act and Regulation Z (including
      the
      Home Ownership and Equity Protection Act of 1994), the Federal Equal Credit
      Opportunity Act, as amended, and Regulation B, the Fair Credit Reporting Act
      of
      1970, as amended, the Federal Real Estate Settlement Procedures Act and
      Regulation X, the Home Mortgage Disclosure Act, the Federal Debt Collection
      Practices Act and the National Housing Act of 1934, as well as other federal
      and
      state statutes and regulations affecting our activities.




We
      are also subject to the rules and regulations of, and examinations by, state
      regulatory authorities with respect to originating and processing loans. These
      rules and regulations, among other things, impose licensing obligations on
      us,
      establish eligibility criteria for mortgage loans, prohibit discrimination,
      govern inspections and appraisals of properties and credit reports on loan
      applicants, collection, foreclosure and claims handling, investment and interest
      payments on escrow balances and payment features, mandate certain disclosures
      and notices to borrowers and, in some cases, fix maximum interest rates, fees
      and mortgage loan amounts. Failure to comply with these requirements can lead
      to
      loss of approved status, certain rights of rescission for mortgage loans, class
      action lawsuits and administrative enforcement action.




***Competition
      in the mortgage brokerage industry is intense.***




Our
      business plan involves acting as a mortgage broker for commercial real estate
      transactions. This business is highly competitive. There are numerous similar
      companies providing such services in the United States of America. Our
      competitors will have greater financial resources and more expertise in this
      business. Our ability to develop our mortgage brokerage business will depend
      on
      our ability to successfully market our services in this highly competitive
      environment.


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          5
          -*


We
      cannot
      guarantee that we will be able to do so successfully.




***The
      combined share control position of GDBA Investments, LLLP and Mr. Klemsz’s and
      his affiliates will limit the ability of other shareholders to influence
      corporate actions.***




**** After
      distribution of our shares to the AARD shareholders, our largest shareholder,
      GDBA Investments, LLLP, an entity who our President, Mr. Klemsz is employed
      by,
      will own 1,178,144 shares and thereby control approximately 65% of our
      outstanding shares. Mr. Klemsz, through Sarmat, LLC and his family, will own
      314,000 shares, or approximately 17%. Because these entities together, and
      GDBA
      Investments, LLLP individually, will beneficially control more than a majority
      of the outstanding shares, other shareholders, individually or as a group,
      will
      be limited in their ability to effectively influence the election or removal
      of
      our directors, the supervision and management of our business or a change in
      control of or sale of our company, even if they believed such changes were
      in
      the best interest of our shareholders generally.




***Our
      future success depends, in large part, on the continued service of our President
      and our Secretary-Treasurer.***




**** We
      depend
      almost entirely on the efforts and continued employment of Mr. Klemsz, our
      President and Secretary-Treasurer. Mr. Klemsz is our primary executive officer,
      and we will depend on him for nearly all aspects of our operations. In addition,
      Safe Harbor, an entity affiliated with Mr. Klemsz, is our only source of
      financing. We do not have an employment contract with Mr. Klemsz, and we
      do not carry key person insurance on the life of either. The loss of the
      services of Mr. Klemsz through incapacity or otherwise, would have a
      material adverse effect on our business. It would be very difficult find
      and retain qualified personnel such as Mr. Klemsz and a financing source to
      replace Safe Harbor.





(b)
      NARRATIVE DESCRIPTION OF THE BUSINESS





Across
      America Financial Services, Inc. is a corporation which was formed under the
      laws of the State of Colorado on December 1, 2005. We are a wholly-owned
      subsidiary of Across America Real Estate Corp.(“AARD”).




On
      January 10, 2007, the directors of AARD approved, subject to the effectiveness
      of a registration with the Securities and Exchange Commission, the pro rata
      spin-off of Financial Services to AARD shareholders of record on March 1, 2007
      on a pro rata basis. Since AARD’s business is related to the proposed activities
      of Financial Services, the AARD directors decided it was in the best interest
      of
      AARD and Financial Services and AARD's shareholders to spin-off Financial
      Services to minimize any potential of conflict of interest.




The shares of Financial Services were owned by AARD, who dist ributed
      the Financial Services shares to the AARD shareholders on or about March 23,
      2007.





(c)
      PROPOSED OPERATIONS




**General**




We
      are a
      development stage company. Our development stage began when we approved our
      business plan on November 9, 2006. Our plan is to act as a mortgage broker
      for
      commercial real estate transactions. We will focus on built-to-suit real estate
      projects for specific retailers. We will first attempt to establish an effective
      client lending base for which we can provide services. We plan to utilize our
      relationship with AARD for referrals and the expertise of third party
      independent contractors who we plan to hire to develop lending opportunities.
      Each contractor will be expected to utilize his previous contacts in business
      to
      develop potential opportunities.





We
      are
      presently planning to develop and implement an Internet based operation. We
      plan
      to equip our offices with personal computers which will allow our contractors
      to
      access e-mail, the Internet, and a collection of applications. We also plan
      to
      utilize the most current loan processing software which interfaces directly
      with
      the several credit reporting software companies. We believe that this technology
      will expedite loan processing and closings.


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          6
          -*


In
      addition, we plan to develop a web site which will allow realtors to send loan
      applications directly to us for approval. In the future, we plan to develop
      enhancements to the web site to permit realtors to use the site to fill out
      loan
      applications for prospective borrowers, to check the status of a previously
      submitted application, and to generally otherwise interact with us during the
      loan process.





Our
      proposed system will be established to operate at maximum efficiency to control
      administrative and associated costs. Therefore, we plan to develop a system
      which will allow for individual identification, appointment scheduling, credit
      history records, payment records, itemized expenses as well as associated fees
      and payment processing. With all data stored on the individual customized
      electronic record formulated by us at the time of processing, the system would
      also allow the periodic review of the client=s current condition of the loan
      and
      offer alternative solutions to loans that are structured for the short term.
      We
      believe that sophisticated electronics data exchange systems are an essential
      part of the future of mortgage brokerage operations.




We
      plan to operate out of one office in the Denver Metropolitan area. We have
      no
      specific plans at this point for additional offices.





(d)
      MARKETS





We
      are
      currently focused on to
      act as
      a mortgage broker for commercial real estate transactions with
      build-to-suit single pad, small box retail projects for national and regional
      retailers throughout the United States. To date, we have had no active
      operations. During 2007 our strategy will focus on developing a project
      pipeline.





(e)
      RAW
      MATERIALS





The
      use
      of raw materials is not a material factor in our operations at the present
      time.
      We do not expect raw materials to be a material factor in the
      future.





(f)
      CUSTOMERS AND COMPETITION





Our
      business plan involves acting as a mortgage broker for commercial real estate
      transactions. This business is highly competitive. There are numerous similar
      companies providing such services in the United States of America. Our
      competitors will have greater financial resources and more expertise in this
      business. Our ability to develop our mortgage brokerage business will depend
      on
      our ability to successfully market our services in this highly competitive
      environment. Currently,
      we have no customers for our services. We
      cannot
      guarantee that we will be able to do so successfully.





(g)
      BACKLOG





At
      December 31, 2006, we had no backlogs.





(h)
      EMPLOYEES





We
      have
      no employees other than Mr. Klemsz, our President and Secretary-Treasurer.
      He
      plans to devote less than 5% of his time to our business. We
      plan
      to reimburse our executives for all necessary and customary business related
      expenses.





Our
      member of management who also serves on the Board receives no additional
      compensation for attending Board meetings.





(i)
      PROPRIETARY INFORMATION





We
      own no
      proprietary information.





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          7
          -*


(j)
      GOVERNMENT REGULATION




Since
      we
      only act in the capacity of a broker, we do not expect government regulations
      or
      laws to have any material impact on us.





(k)
      RESEARCH AND DEVELOPMENT





We
      have
      never spent any amount in research and development activities.





(l)
      ENVIRONMENTAL COMPLIANCE





Since
      we
      only act in the capacity of a broker, we do not expect environmental laws to
      have any material impact on us.




(m)
      SUBSEQUENT EVENTS




On
      January
      10, 2007, the directors of AARD approved, subject to the effectiveness of a
      registration with the Securities and Exchange Commission, the pro rata spin-off
      of Financial Services to AARD shareholders of record on March 1, 2007 on a
      pro
      rata basis. Effective March 23, 2007, we distributed 1,810,476 shares of
      Financial Services shares to the AARD shareholders.





(n)
      HOW
      TO OBTAIN OUR SEC FILINGS





We
      file
      annual, quarterly, and special reports, proxy statements, and other information
      with the Securities Exchange Commission (SEC). Reports, proxy statements and
      other information filed with the SEC can be inspected and copied at the public
      reference facilities of the SEC at 100 F Street N.E., Washington, DC 20549.
      Such
      material may also be accessed electronically by means of the SEC's website
      at
      www.sec.gov.





Our
      investor relations department can be contacted at our principal executive office
      located at our principal office 700 Seventeenth Street, Suite 1200, Denver,
      Colorado 80202. Our phone number at our headquarters is (303) 893-1003. We
      currently have no website.





**ITEM
      2. DESCRIPTION OF PROPERTY.**





We
      currently use the mailing address of the offices of AARD for company use. We
      plan to occupy separate office facilities and obtain office furniture and
      equipment in the near future. We own no real estate nor have plans to acquire
      any real estate.





**ITEM
      3. LEGAL PROCEEDINGS.**





We
      are
      not a party to any material legal proceedings, nor is our property the subject
      of any material legal proceeding. ****





**ITEM
      4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS.**





We
      held
      no shareholders meeting in the fourth quarter of our fiscal year.




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          8
          -*


**PART
      II**





**ITEM
      5. MARKET FOR COMMON EQUITY AND RELATED STOCKHOLDER
      MATTERS.**





(a)
      PRINCIPAL MARKET OR MARKETS





There
      is
      currently no public trading market for our securities. We intend to apply to
      have our common stock listed for quotation on the Over-the-Counter Bulletin
      Board.





(b)
      APPROXIMATE NUMBER OF HOLDERS OF COMMON STOCK





As
      of
      March 23, 2007, we had a total of 1,810,476 shares of our Common Stock
      outstanding. The number of holders of record of our common stock at that date
      was one hundred.





(c)
      DIVIDENDS





Holders
      of common stock are entitled to receive such dividends as may be declared by
      our
      Board of Directors. No dividends on the common stock were paid by us during
      the
      periods reported herein nor do we anticipate paying dividends in the foreseeable
      future.





(d)
      THE
      SECURITIES ENFORCEMENT AND PENNY STOCK REFORM ACT OF 1990





The
      Securities Enforcement and Penny Stock Reform Act of 1990 requires additional
      disclosure and documentation related to the market for penny stock and for
      trades in any stock defined as a penny stock. Unless we can acquire substantial
      assets and trade at over $5.00 per share on the bid, it is more likely than
      not
      that our securities, for some period of time, would be defined under that Act
      as
      a "penny stock." As a result, those who trade in our securities may be required
      to provide additional information related to their fitness to trade our shares.
      These requirements present a substantial burden on any person or brokerage
      firm
      who plans to trade our securities and would thereby make it unlikely that any
      liquid trading market would ever result in our securities while the provisions
      of this Act might be applicable to those securities.





Any
      broker-dealer engaged by the purchaser for the purpose of selling his or her
      shares in us will be subject to Rules 15g-1 through 15g-10 of the Securities
      and
      Exchange Act. Rather than creating a need to comply with those rules, some
      broker-dealers will refuse to attempt to sell penny stock.




The penny stock rules require a broker-dealer, prior to a transaction in a
      penny
      stock not otherwise exempt from those rules, to deliver a standardized risk
      disclosure document prepared by the Commission, which:





·
            contains
                a description of the nature and level of risk in the market for penny
                stocks in both public offerings and secondary
                trading;





·
            contains
                a description of the broker's or dealer's duties to the customer
                and of
                the rights and remedies available to the customer with respect to
                a
                violation to such duties or other requirements of the Securities
                Act of
                1934, as amended;





·
            contains
                a brief, clear, narrative description of a dealer market, including
                "bid"
                and "ask" prices for penny stocks and the significance of the spread
                between the bid and ask price;





·
            contains
                a toll-free telephone number for inquiries on disciplinary
                actions;





·
            defines
                significant terms in the disclosure document or in the conduct of
                trading
                penny stocks; and





·
            contains
                such other information and is in such form (including language, type,
                size
                and format) as the Securities and Exchange Commission shall require
                by
                rule or regulation;


·
            the
                broker-dealer also must provide, prior to effecting any transaction
                in a
                penny stock, to the customer:





·
            the
                bid and offer quotations for the penny
                stock;





·
            the
                compensation of the broker-dealer and its salesperson in the
                transaction;





·
            the
                number of shares to which such bid and ask prices apply, or other
                comparable information relating to the depth and liquidity of the
                market
                for such stock; and





·
            monthly
                account statements showing the market value of each penny stock held
                in
                the customer's account.






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          9
          -*





In
      addition, the penny stock rules require that prior to a transaction in a penny
      stock not otherwise exempt from those rules; the broker-dealer must make a
      special written determination that the penny stock is a suitable investment
      for
      the purchaser and receive the purchaser's written acknowledgment of the receipt
      of a risk disclosure statement, a written agreement to transactions involving
      penny stocks, and a signed and dated copy of a written suitability statement.
      These disclosure requirements will have the effect of reducing the trading
      activity in the secondary market for our stock because it will be subject to
      these penny stock rules. Therefore, stockholders may have difficulty selling
      their securities.





ITEM
      6.
      MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTSOF
      OPERATIONS





Certain
      statements in this Management's Discussion and Analysis of Financial Condition
      and Results of Operations that are not historical facts are forward-looking
      statements such as statements relating to future operating results, existing
      and
      expected competition, financing and refinancing sources and availability and
      plans for future development or expansion activities and capital expenditures.
      Such forward-looking statements involve a number of risks and uncertainties
      that
      may significantly affect our liquidity and results in the future and,
      accordingly, actual results may differ materially from those expressed in any
      forward-looking statements. Such risks and uncertainties include, but are not
      limited to, those related to effects of competition, leverage and debt service
      financing and refinancing efforts, general economic conditions, and changes
      in
      applicable laws or regulations. The following discussion and analysis should
      be
      read in conjunction with the consolidated financial statements and notes thereto
      appearing elsewhere in this report.




Our
      activities have been primarily focused on organization as a development stage
      enterprise since planned principal operations have not yet commenced.
      Accordingly, management does not consider the historical results of operations
      to be representative of our future results of operation. Our development stage
      began when we approved our business plan on November 9, 2006. Our plan is to
      act
      as a mortgage broker for commercial real estate transactions. See “Business.”




**Critical
      Accounting Policies**




**** We
      have
      identified the following policies below as critical to our business and results
      of operations. For further discussion on the application of these and other
      accounting policies, see Note 1 to the accompanying audited financial statements
      for the year ended December 31, 2006, included elsewhere in this Prospectus.
      Our
      reported results are impacted by the application of the following accounting
      policies, certain of which require management to make subjective or complex
      judgments. These judgments involve making estimates about the effect of matters
      that are inherently uncertain and may significantly impact quarterly or annual
      results of operations. For all of these policies, management cautions that
      future events rarely develop exactly as expected, and the best estimates
      routinely require adjustment. Specific risks associated with these critical
      accounting policies are described in the following paragraphs.




**Use
      of Estimates in the Preparation of Financial Statements**




The
      preparation of financial statements in conformity with generally accepted
      accounting principles requires management to make estimates and assumptions
      that
      affect the reported amounts of assets and liabilities and disclosure of
      contingent assets and liabilities at the date of the financial statements and
      the reported amounts of revenue and expenses during the reporting period. Actual
      results could differ from those estimates.


*-
          10
          -*







**Revenue
      Recognition**




We
      have had no revenue during the year ended December 31, 2006. Anticipated future
      operating revenue will represent services in connection acting as a mortgage
      broker for commercial real estate transactions. Such revenues will be recorded
      as the services are performed.





**Plan
      of Operation for December 31, 2006 to December 31, 2007**




Financial
      Services intends to act as a mortgage broker for commercial real estate
      transactions. Our operating costs are expected to range between $30,000 and
      $50,000 for the fiscal year ending December 31, 2007. These operating costs
      include insurance, taxes, utilities, maintenance, contract services and all
      other costs of operations. However, the operating costs and expected revenue
      generation are difficult to predict. We expect to generate revenues in the
      next
      twelve months from mortgage brokerage services using referrals from AARD and
      unrelated individuals and entities that operate in the financial services
      business. Since there can be no assurances that revenues will be sufficient
      to
      cover operating costs for the foreseeable future, it may be necessary to raise
      additional funds. Due to our lack of operating history, raising additional
      funds
      may be difficult. In January, 2007, an organization named Safe Harbor Business
      Development Company (“Safe Harbor”), which is affiliated with our President, Mr.
      Klemsz, and our largest shareholder, GDBA Investments, LLLP, agreed to provide
      operating capital in the form of a loan of $250,000 to cover operating expenses.
      This loan is evidenced by an unsecured promissory note which is due January
      12,
      2008, with a possible extension ending January 12, 2009. If we are unable to
      raise funds to cover any operating deficit after fiscal year ending January
      12,
      2009, our business may fail.




We
      generated no revenues during the year ended December 31, 2006, and management
      does not anticipate any revenues until March, 2007, as contemplated by our
      business plan.




**Seasonality**




We
      do not expect that our business will be seasonal with nearly all revenue
      generated throughout the year. However, with our startup phase, we do not
      anticipate any material revenue until March, 2007.




**Results
      of Operations**




We
      had no revenue for the year ended December 31, 2006.  Operating
      expenses during the year ended December 31, 2006 totaled $ 500, consisting
      of
      professional fees.




**Liquidity
      and Capital Resources**




At
      December 31, 2006, we had an unrestricted cash balance of $2,000. Our current
      assets were $2,000 at December 31, 2006 and our current liabilities totaled
      $500, resulting in net working capital of $1,500.




**Financial
      Position**




At
      December 31, 2006, we had no commitments for capital expenditures. In January,
      2007, Safe Harbor agreed to provide operating capital in the form of a loan
      of
      $250,000 to cover operating expenses. This loan is evidenced by an unsecured
      promissory note which is due January 12, 2008, with a possible extension ending
      January 12, 2009. Management estimates it will take approximately $35,000 -
      $50,000 per year to fund proposed operations. Since we have no operating
      history, it is uncertain whether revenue from operations will be sufficient
      to
      cover our operating expenses. We have no commitment for funding after fiscal
      year 2007. If we are unable to raise funds to cover any operating deficit after
      fiscal year ending December 31, 2007, our business may fail.




**Trends**
  There
        are no known trends, events or uncertainties that have had or that are
        reasonably expected to have a material impact on the net sales or revenues
        or
        income from our proposed operations. Our management has not made any
        commitments, which will require any material financial resources.




*-
          11
          -*





**ITEM
      7. FINANCIAL STATEMENTS.**







**FINANCIAL
      STATEMENTS**





**with**





**REPORT
      OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM**













*F-1*








**Report
      of Independent Registered Public Accounting Firm**











The
      Board
      of Directors and Shareholder


Across
      America Financial Services, Inc.:








We
      have
      audited the accompanying balance sheet of Across America Financial Services,
      Inc. (a development stage company) as of December 31, 2006, and the related
      statements of operations, changes in shareholder’s equity, and cash flows for
      the year ended December 31, 2006, from December 1, 2005 (inception) through
      December 31, 2005, and from December 1, 2005 (inception) through December 31,
      2006. These financial statements are the responsibility of the Company’s
      management. Our responsibility is to express an opinion on these financial
      statements based on our audit.





We
      conducted our audit in accordance with the standards of the Public Company
      Accounting Oversight Board (United States). Those standards require that we
      plan
      and perform the audit to obtain reasonable assurance about whether the financial
      statements are free of material misstatement. An audit includes examining,
      on a
      test basis, evidence supporting the amounts and disclosures in the financial
      statements. An audit also includes assessing the accounting principles used
      and
      significant estimates made by management, as well as evaluating the overall
      financial statement presentation. We believe that our audit provides a
      reasonable basis for our opinion.





In
      our
      opinion, the financial statements referred to above present fairly, in all
      material respects, the financial position of Across America Financial Services,
      Inc. as of December 31, 2006, and the results of its operations and its cash
      flows for the year ended December 31, 2006, from December 1, 2005 (inception)
      through December 31, 2005, and from December 1, 2005 (inception) through
      December 31, 2006 in conformity with accounting principles generally accepted
      in
      the United States of America.





The
      accompanying financial statements have been prepared assuming that the Company
      will continue as a going concern. As discussed in Note 1 to the financial
      statements, the Company has no history of operations, limited assets, and has
      incurred operating losses since inception, which raises substantial doubt about
      its ability to continue as a going concern. Management’s plan in regard to these
      matters is also discussed in Note 1. The financial statements do not include
      any
      adjustments that might result from the outcome of this uncertainty.










/s/
      Cordovano and Honeck LLP


Cordovano
      and Honeck LLP


Englewood,
      Colorado


January
      10, 2007




*F-2*


**Across
      America Financial Services, Inc.**


**(A
      Development Stage Company)**


**Balance
      Sheet**


**December
      31, 2006**





AssetsCash
                and equivalents
            
            $
            2,000Total
                assets
            
            $
            2,000Liabilities
                and Shareholder's EquityLiabilitiesAccrued
                liabilities
            
            $
            500Total
                liabilities
            
            
            500Shareholder's
                equityPreferred
                stock, $.10 par value; 1,000,000 shares authorized,-0- shares issued and outstanding
            
            
            -Common
                stock, $.001 par value; 50,000,000 shares authorized,2,000,000 shares issued and outstanding
            
            
            2,000Deficit
                accumulated during development stage
            
            
            (500
            )Total
                shareholder's equity
            
            
            1,500Total
                liabilities and shareholder's equity
            
            $
            2,000




See
      Notes
      to Financial Statements






*F-3*


**Across
      America Financial Services, Inc**


**(A
      Development Stage Company)**


**Statements
      of Operations**


.


December
                1, 2005
            
            December
                1, 2005(Inception)
            
            (Inception)Year
                Ended
            
            Through
            
            ThroughDecember
                31,
            
            December
                31,
            
            December
                31,2006
            
            2005
            
            2006Operating
                expenses:Selling,
                general and administrative
            
            $
            500
            
            $
            -
            
            $
            500Total
                Operating expenses
            
            
            500
            
            
            -
            
            
            500Loss
                from operations
            
            
            (500
            )
            
            -
            
            
            (500
            )Net
                loss
            
            $
            (500
            )
            $
            -
            
            $
            (500
            )Basic
                and diluted loss per share
            
            $
            (0.00
            )
            $
            (0.00
            )Basic
                and diluted weighted average commonshares
                outstanding
            
            
            2,000,000
            
            
            -





See
      Notes
      to Financial Statements





*F-4*


**Across
      America Financial Services, Inc.**


**(A
      Development Stage Company)**


**Statements
      of Cash Flows**





December
                1, 2005
            
            December
                1, 2005(Inception)
            
            (Inception)Year
                Ended
            
            Through
            
            ThroughDecember
                31,
            
            December
                31,
            
            December
                31,2006
            
            2005
            
            2006Cash
                flows from operating activities:Net
                loss
            
            $
            (500
            )
            $
            —
            
            $
            (500
            )Adjustments
                to reconcile net income to net cash used by operating
                activities:Changes
                in current assets and current liabilities:Accounts
                payable and accrued liabilities
            
            
            500
            
            
            —
            
            
            500Net
                cash provided by operating activities
            
            
            —
            
            
            —
            
            
            —Cash
                flows from financing activities:Proceeds
                from sale of common stock
            
            
            2,000
            
            
            —
            
            
            2,000Net
                cash provided by financing activities
            
            
            2,000
            
            
            —
            
            
            2,000Net
                change in cash
            
            
            2,000
            
            
            —
            
            
            2,000Cash
                and equivalents, beginning of period
            
            
            —
            
            
            —
            
            
            —Cash
                and equivalents, end of period
            
            $
            2,000
            
            $
            —
            
            $
            2,000Supplemental
                disclosure of cash flow information:Cash
                paid during the period for:Income
                taxes
            
            $
            —
            
            $
            —
            
            $
            —Interest
            
            $
            —
            
            $
            —
            
            $
            —





See
      Notes
      to Financial Statements





*F-5*


**Across
      America Financial Services, Inc.**


**(A
      Development Stage Company)**


**Statement
      of Changes in Shareholder's Equity**








DeficitAccumulatedDuringPreferred
                Stock
            
            Common
                Stock
            
            DevelopmentShares
            
            Par
                Value
            
            Shares
            
            Par
                Value
            
            Stage
            
            TotalBalance
                at December 1, 2005 (inception)
            
            
            —
            
            $
            —
            
            
            —
            
            $
            —
            
            $
            —
            
            $
            —Net
                loss, period ended December 31, 2005
            
            
            —
            
            
            —
            
            
            —
            
            
            —
            
            
            —
            
            
            —Balance
                at December 31, 2005
            
            
            —
            
            
            —
            
            
            —
            
            
            —
            
            
            —
            
            
            —December
                2006, shares sold to parent corporation($.001/share)
                (Note 2)
            
            
            —
            
            
            —
            
            
            2,000,000
            
            $
            2,000
            
            
            —
            
            
            2,000Net
                loss, year ended December 31, 2006
            
            
            —
            
            
            —
            
            
            —
            
            
            —
            
            
            (500
            )
            
            (500
            )Balance
                at December 31, 2006
            
            
            —
            
            $
            —
            
            
            2,000,000
            
            $
            2,000
            
            $
            (500
            )
            $
            1,500







See
      Notes
      to Financial Statements






*F-6*


**ACROSS
      AMERICA FINANCIAL SERVICES, INC.**


**(A
      Development Stage Company)**


**Notes
      to Financial Statements**








**(1)**
            **Nature
                of Organization and Summary of Significant Accounting
                Policies**





***Nature
      of Organization and Basis of Presentation***


Across
      America Financial Services, Inc. (the “Company”) was incorporated in the state
      of Colorado on December 1, 2005 and is a wholly-owned subsidiary of Across
      America Real Estate Corp. (“AARD”).  The Company commenced operations on
      November 9, 2006, after the approval of its business plan.





The
      Company is a development stage enterprise in accordance with Statement of
      Financial Accounting Standards (“SFAS”) No. 7, “Accounting and Reporting by
      Development Stage Enterprises”. The Company was organized to provide a
      nationwide, mortgage commercial brokerage operation. The Company plans to
      incorporate traditional mortgage brokering with a web-based, automated
      underwriting system which allows clientele to process loan applications
      twenty-four hours a day, seven days a week.





The
      accompanying financial statements have been prepared on a going concern basis,
      which contemplates the realization of assets and the satisfaction of liabilities
      in the normal course of business. As shown in the accompanying financial
      statements, the Company is a development stage company with no history of
      operations, limited assets, and has incurred operating losses since inception.
      These factors, among others, raise substantial doubt about its ability to
      continue as a going concern.





The
      financial statements do not include any adjustments relating to the
      recoverability of assets and classification of liabilities that might be
      necessary should the Company be unable to continue as a going concern. The
      Company’s continuation as a going concern is dependent upon its ability to
      obtain additional operating capital, commence operations, provide competitive
      services, and ultimately to attain profitability. The Company intends to acquire
      additional operating capital through equity offerings. There is no assurance
      that the Company will be successful in raising additional funds.





***Use
      of Estimates***


The
      preparation of financial statements in accordance with generally accepted
      accounting principles requires management to make estimates and assumptions
      that
      affect the reported amounts of assets and liabilities and the disclosure of
      contingent assets and liabilities at the date of financial statements and the
      reported amounts of revenues and expenses during the reporting period. Actual
      results could differ from those estimates.





***Cash
      and Cash Equivalents***


The
      Company considers all highly liquid securities with original maturities of
      three
      months or less when acquired to be cash equivalents. There were no cash
      equivalents at December 31, 2006.





***Financial
      Instruments***


The
      Company’s financial instruments consist of cash and accrued liabilities. At
      December 31, 2006, the fair value of the Company’s financial instruments
      approximate fair value due to the short-term maturity of the
      instruments.








*F-7*


**ACROSS
      AMERICA FINANCIAL SERVICES, INC.**


**(A
      Development Stage Company)**


**Notes
      to Financial Statements**








***Loss
      per Common Share***


The
      Company reports loss per share using a dual presentation of basic and diluted
      loss per share. Basic loss per share excludes the impact of common stock
      equivalents and is determined by dividing income available to common
      shareholders by the weighted average number of common shares outstanding during
      the period. Diluted loss per share reflects the potential dilution that could
      occur if securities and other contracts to issue common stock were exercised
      or
      converted into common stock. At December 31, 2006, there were no variances
      between the basic and diluted loss per share as there were no potentially
      dilutive securities outstanding.





***Income
      Taxes***


The
      Company accounts for income taxes under the provisions of SFAS No. 109,
“Accounting for Income Taxes” (“SFAS 109”). SFAS 109 requires recognition of
      deferred tax liabilities and assets for the expected future tax consequences
      of
      events that have been included in the financial statements or tax returns.
      Under
      this method, deferred tax liabilities and assets are determined based on the
      difference between the financial statement and tax bases of assets and
      liabilities using enacted tax rates in effect for the year in which the
      differences are expected to reverse.





***Fiscal
      Year-end***


The
      Company operates on a December 31 year-end.







**(2)**
            **Related
                Party Transactions**





On
      December 28, 2006, the Company sold 2,000,000 shares of its common stock to
      its
      parent corporation, Across America Real Estate Corp., for $2,000, or $.001
      per
      share.







**(3)**
            **Income
                Taxes**





A
      reconciliation of the U.S. statutory federal income tax rate to the effective
      tax rate is as follows:





**December
                31,****2006**U.S.
                statutory federal rate
            
            
            15.00
            %State
                income tax rate, net of federal benefit
            
            
            3.94
            %Net
                operating loss for which no taxbenefit
                is currently available
            
            
            -18.94
            %0.00
            %







*F-8*


**ACROSS
      AMERICA FINANCIAL SERVICES, INC.**


**(A
      Development Stage Company)**


**Notes
      to Financial Statements**








At
      December 31, 2006, deferred tax assets consisted of a net tax asset of $95,
      due
      to operating loss carryforwards of $500, which was fully allowed for, in the
      valuation allowance of $95. The valuation allowance offsets the net deferred
      tax
      asset for which there is no assurance of recovery. The change in the valuation
      allowance for the year ended December 31, 2006 and from December 1, 2005
      (inception) through December 31, 2005 totaled $95 and $-0-, respectively. The
      current tax benefit for the year ended December 31, 2006 and from December
      1,
      2005 (inception) through December 31, 2005 also totaled $95 and $-0-,
      respectively. The net operating loss carryforward expires through the year
      2026.





The
      valuation allowance will be evaluated at the end of each year, considering
      positive and negative evidence about whether the deferred tax asset will be
      realized. At that time, the allowance will either be increased or reduced;
      reduction could result in the complete elimination of the allowance if positive
      evidence indicates that the value of the deferred tax assets is no longer
      impaired and the allowance is no longer required.





Should
      the Company undergo an ownership change as defined in Section 382 of the
      Internal Revenue Code, the Company’s tax net operating loss carryforwards
      generated prior to the ownership change will be subject to an annual limitation,
      which could reduce or defer the utilization of these losses.







**(4)**
            **Subsequent
                Events**





***Spin
      Off***


On
      January 10, 2007, the directors of Across America Real Estate Corp. (“AARD“)
      approved, subject to the effectiveness of a registration with the Securities
      and
      Exchange Commission, a spin off to its shareholders of record as of March 1,
      2007 (the “Record Date”), on a pro rata basis, with one share each of Financial
      Services to be issued for each ten shares issued and outstanding of common
      stock
      or common stock upon conversion of AARD preferred stock owned by such AARD
      shareholders as of the Record Date. Since AARD’s business is related to the
      proposed activities of Financial Services, the AARD directors decided it was
      in
      the best interest of AARD and Financial Services and AARD’s shareholders to
      spin-off Financial Services to minimize any potential of conflict of
      interest.





The
      shares of Financial Services are owned by AARD, who will distribute the
      Financial Services shares once the registration statement is effective with
      the
      Securities and Exchange Commission.





***Promissory
      Note and Warrants***


In
      January 2007, Safe Harbor I, LLC., formerly known as Safe Harbor Business
      Development Company (“Safe Harbor”), a related party controlled by the Company’s
      president, agreed to provide the Company operating capital in the form of a
      loan
      of $250,000. This loan is evidenced by an unsecured promissory note dated
      January 12, 2007. The note carries a 15% interest rate and matures on January
      12, 2008. The Company may extend the maturity date by one year upon payment
      of a
      renewal fee equal to 1.5% of the then outstanding principal balance due.
      Interest payments are due every 90 days and any payments not received by the
      due
      date will incur a default interest rate of 24%.




In
      addition, on January 12, 2007, the Company issued Safe Harbor warrants to
      purchase 200,000 shares of the Company’s common stock at a price of $.01 per
      share. The warrants expire five years from the date of issuance.




*F-9*
   **ITEM
        8. DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL
        DISCLOSURE.**





We
      did
      not have any disagreements on accounting and financial disclosures with our
      present accounting firm during the reporting period.







**ITEM
      8A. CONTROLS AND PROCEDURES.**





**Evaluation
      of Disclosure Controls and Procedures**





As
      of the end
      of the period covered by this annual report on Form 10-KSB, we evaluated the
      effectiveness of the design and operation of its disclosure controls and
      procedures (as defined in the Securities Exchange Act of 1934 Rules 13a-15(e)
      and 15d-15(e)). That evaluation was performed under the supervision and with
      the
      participation of our management, including our Chief Executive Officer and
      Chief
      Financial Officer. Based on that evaluation, our Chief Financial Officer
      concluded that our disclosure controls and procedures are effective in timely
      alerting him to material information required to be included in its periodic
      SEC
      filings.





**Changes
      in Internal Control over Financial Reporting**





We
      have
      made no significant change in our internal control over financial reporting
      during the most recent fiscal quarter covered by this annual report on Form
      10-KSB that has materially affected, or is reasonably likely to materially
      affect, our internal control over financial reporting.





**ITEM
      8B. OTHER INFORMATION.**





Nothing
      to report.








**PART
      III**





**ITEM
      9. DIRECTORS, EXECUTIVE OFFICERS, PROMOTERS, AND CONTROL PERSONS; COMPLIANCE
      WITH SECTION 16(a) OF THE EXCHANGE ACT.**








Our
      Directors and Executive Officers, their ages and positions held with us as
      of
      March 23, 2007 are as follows:





*Name:*
            *Age*
            ***Position:*Brian
                L. Klemsz
            48
            President,
                Chief Executive Officer,
              Chief
                Financial Officer
                Secretary-Treasurer
                  and Director




Mr.
      Klemsz
      has been the Company’s President, Secretary-Treasurer, and a Director since
      its inception. Since March, 2007, he has been the Chief Investment Officer
      of
      BOCO Investments, LLC, one of our shareholders. He was Chief Investment Officer
      for GDBA Investments, LLLP, a private investment partnership and the principal
      shareholder of the Company, from May, 2000 until March, 2007. Mr. Klemsz
      received a Masters of Science in Accounting and Taxation in 1993 and a Masters
      of Science in Finance in 1990 from Colorado State University. He received his
      Bachelor of Science degree from the University of Colorado in 1981.





**Committees
      of the Board of Directors**




Currently,
      we do not have any committees of the Board of Directors.




**Director
      and Executive Compensation**


No
      compensation has been paid and no stock options granted to any of our officers
      or directors in the last three fiscal years.




**Employment
      Agreements**




We
      have no
      written employment agreements with any of our executive officers or key
      employees.




*-
          12
          -*


**Equity
      Incentive Plan**


We
      have
      not adopted an equity incentive plan, and no stock options or similar
      instruments have been granted to any of our officers or directors.




**Indemnification
      and Limitation on Liability of Directors**




Our
      Articles of Incorporation limit the liability of our directors to the fullest
      extent permitted by Colorado law. Specifically, our directors will not be
      personally liable to our company or any of its shareholders for monetary damages
      for breach of fiduciary duty as directors, except liability for (i) any breach
      of the director's duty of loyalty to the corporation or its shareholders; (ii)
      acts or omissions not in good faith or which involve intentional misconduct
      or a
      knowing violation of law; (iii) voting for or assenting to a distribution in
      violation of Colorado Revised Statutes Section 7-106-401 or the articles of
      incorporation if it is established that the director did not perform his duties
      in compliance with Colorado Revised Statutes Section 7-108-401, provided that
      the personal liability of a director in this circumstance shall be limited
      to
      the amount of distribution which exceeds what could have been distributed
      without violation of Colorado Revised Statutes Section 7-106-401 or the articles
      of incorporation; or (iv) any transaction from which the director directly
      or
      indirectly derives an improper personal benefit. Nothing contained in the
      provisions will be construed to deprive any director of his right to all
      defenses ordinarily available to the director nor will anything herein be
      construed to deprive any director of any right he may have for contribution
      from
      any other director or other person.




At
      present, there is no pending litigation or proceeding involving any of our
      directors, officers, employees or agents where indemnification will be required
      or permitted. Insofar as indemnification for liabilities arising under the
      Securities Act of 1933 may be permitted to our directors, officers and
      controlling persons pursuant to the foregoing provisions, or otherwise, we
      have
      been advised that in the opinion of the Commission such indemnification is
      against public policy as expressed in the Securities Act of 1933 and is,
      therefore, unenforceable.





**Item
      10. EXECUTIVE COMPENSATION**




No
      compensation has been paid and no stock options granted to any of our officers
      or directors in the last three fiscal years.





**ITEM
      11. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND
      MANAGEMENT.**




The
      following
      table sets forth, as of January 10, 2007, information regarding the anticipated
      future ownership of our common stock after the spin off by:





*
            persons
                who own more than 5% of our common stock;





*
            each
                of our directors and each of our executive officers; and





*
            all
                directors and executive officers as a group.





We
      had
      2,000,000 shares issued and outstanding as of December 31, 2006. The following
      table reflects our stock ownership assuming the completion of the spin-off
      of
      our shares to the shareholders of record of AARD declared January 10, 2007
      to be
      effective March 1, 2007. Each person has sole voting and investment power with
      respect to the shares shown, except as noted. As of January 10, 2007, AARD
      had
      16,036,625 shares of common stock and 517,000 Series A Convertible Preferred
      Stock, which is the equivalent of an additional 2,068,000 common shares, for
      a
      total of 18,104,625 shares outstanding, on a fully diluted basis. In connection
      with the spin-off, we estimate that AARD will issue approximately 1,810,476
      shares to AARD shareholders. As a result, AARD will cancel and return to
      authorized shares a total of approximately 189,524 shares, giving the AARD
      shareholders one hundred percent ownership of us. However, because AARD will
      be
      rounding up fractional shares, we will not know the final share numbers until
      March 1, 2007, the record date of the transaction. For the purposes of this
      table, we have used 1,810,476 shares as our anticipated total issued and
      outstanding.


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Name
                and AddressBeneficial
            No.
                of
            PercentageOwner
            Common
                Shares
            of
                Ownership(1)(2)Brian
                L. Klemsz(3)
            314,000
            17%700
                17th Street, Suite 1200Denver,
                Colorado 80202GDBA
                InvestmentsLLLP(4)(5)
            1,178,144
            65%700
                17th Street, Suite 1200Denver,
                Colorado 80202BOCO
                Investments, LLC(5)
            100,000
            6%103
                West Mountain Ave.Fort
                Collins, Colorado 80524_______________**_____**All
                Officers and(4)
            314,000
            17%Directors
                as a Group(one
                person)**____________________**




(1)
            All
                ownership is beneficial and of record, unless indicated
                otherwise.





(2)
            Beneficial
                owners listed above have sole voting and investment power with respect
                to
                the shares shown, unless otherwise
                indicated.





(3)
            A
                total of 194,000 of these shares are owned of record by Sarmat, LLC,
                which
                is controlled by Mr. Brian Klemsz, our President. A total of 120,000
                shares are owned in the name of family members of Mr.
                Klemsz.





(4)
            A
                total 1,178,144 shares are owned of record by GDBA Investments,
                LLLP.  A total of 1,000 shares are owned in the name of adult
                children of the affiliate of this entity, for which it disclaims
                beneficial ownership.





(5)
            On
                September 28, 2006, GDBA Investments, LLLP and BOCO Investments,
                LLC each
                acquired 250,000 shares of AARD Series A Convertible Preferred Stock.
                Each
                share of Series A Convertible Preferred Stock is the equivalent of
                four
                common shares for conversion purposes. As a result, GDBA Investments,
                LLLP
                and BOCO Investments, LLC will each receive an additional 100,0000
                common
                shares in us, in addition to any ownership of common shares. These
                additional shares are reflected in the total number of shares owned
                by
                each entity in us.  Since March, 2007, Mr. Klemsz has been the Chief
                Investment Officer of BOCO Investments,
                LLC.








**ITEM
      12. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS.**





On
      January 12, 2007, an organization named Safe Harbor I, LLC., formerly known
      as
      Safe Harbor Business Development Company (“Safe Harbor”), which is affiliated
      with our largest shareholder, GDBA Investments, LLLP, agreed to provide
      operating capital in the form of a loan of $250,000 to cover operating expenses.
      This loan is evidenced by an unsecured promissory note which is due January
      12,
      2008.The maturity date of this note may be extended at the option of Safe Harbor
      for a period of one year following the maturity date provided Safe Harbor
      receives a renewal fee equal to 1.5% of the then outstanding principal balance
      due. However, the maturity date of this note will not be extended past January
      12, 2009. The note is at an interest rate of 15% per annum, with interest
      payments to be made every ninety days, beginning ninety days for the date of
      the
      promissory note.


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We
      issued have a total of 200,000 warrants to Safe Harbor, exercisable at a price
      of $0.01 per share subject to adjustment, for a period of five years from the
      date of issuance. These warrants were issued as an additional inducement for
      Safe Harbor to loan us $250,000. The warrants are subject to registration
      rights.





Once
      the
      spin-off distribution is affected, the GDBA Investments, LLLP will hold
      1,178,144 shares of our issued and outstanding stock, representing approximately
      65% of our issued and outstanding common stock. Mr. Klemsz was an employee
      of
      GDBA Investments, LLLP. GDBA Investments, LLLP may be deemed a "parent" as
      defined under the rules and regulations promulgated under the Securities Act.
      Mr. Klemsz, through Sarmat, LLC and his family, will own 314,000 shares, or
      approximately 17%.




There
      were 2,000,000 shares of common stock outstanding at December 31, 2006. To
      facilitate the one for ten distribution, approximately 189,524 shares will
      be
      cancelled for no consideration, leaving a total of approximately 1,810,476
      shares issued and outstanding, giving the AARD shareholders one hundred percent
      ownership of us.




We
      use
      the mailing address of the offices of AARD for our mailing address. No expense
      provision for this use has been provided since it has been determined that
      it is
      immaterial.




**ITEM
      13. EXHIBITS AND REPORTS ON FORM 8-K.**




The
      following
      financial information is filed as part of this report:





(a)
      (1)
      FINANCIAL STATEMENTS





(2)
      SCHEDULES





(3)
      EXHIBITS. The following exhibits required by Item 601 to be filed herewith are
      incorporated by reference to previously filed documents:


**Exhibit**
              **Number**
            **Description**3.1*
            Articles
                of Incorporation3.2*
            Bylaws4.1*
            Warrant
                dated January 12, 2007 for Safe Harbor Business Development
                Company10.1*
            Promissory
                note dated January 12, 2007 with Safe Harbor Business Development
                Company31.1
            Certification
                of CEO/CFO pursuant to Sec. 30232.1
            Certification
                of CEO/CFO pursuant to Sec. 906





*
      Previously filed with Form SB-2 Registration Statement, March 2,
      2007.





(b)
      Reports
      on Form 8-K. No reports were filed under cover of Form 8-K for the fiscal year
      ended December 31. 2006.





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**ITEM
      14: PRINCIPAL ACCOUNTANT FEES AND SERVICES**





Our
      independent auditor, Cordovano and Honeck, P.C., Certified Public Accountants,
      billed an aggregate of $500 for the year ended December 31, 2006 and for
      professional services rendered for the audit of the Company's annual financial
      statements and review of the financial statements included in its quarterly
      reports.





We
      do not
      have an audit committee and as a result its entire board of directors performs
      the duties of an audit committee. Our board of directors evaluates the scope
      and
      cost of the engagement of an auditor before the auditor renders audit and
      non-audit services.




**SIGNATURES**





In
      accordance with Section 12 of the Securities Exchange Act of 1934, the
      Registrant has duly caused this report to be signed on its behalf by the
      undersigned, thereunto duly authorized on March 29, 2007.




**ACROSS
                AMERICA FINANCIAL SERVICES, INC.**,
              a
                Colorado corporationBy:
            /s/ Brian
              L.
              KlemszBrian
                L. Klemsz, President, Chief Executive Officer,
              Chief
                Financial Officer and Director (Principal
              Executive,Accounting
                and Financial Officer)


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