About XML

Why XML Financial Group?

With nearly forty years of combined experience, the XML Financial Group has earned a reputation for being a premier independent wealth management firm in Maryland since first opening in 2004. Skill and industry insight allows the XML financial planning advisors to provide clients with a first-class experience that addresses every aspect of their portfolio: asset titling and estate planning, philanthropic planning, tax planning, comprehensive insurance planning, retirement preparation, and investment management.

As an independent financial services firm, the XML advisors provide unbiased advice that addresses both long-term objectives while taking a practical approach to the client’s daily needs. And because revenue is predominantly generated through asset management fees as opposed to commissions, the XML Financial Group eliminates many potential conflicts in assisting every client successfully prepare for their future.

In 2004 three established Financial Advisors from a large Wall Street firm set out on a mission to create a boutique independent financial services firm they could be proud of. They sought to provide advice and guidance to their clients without the questionable pressures a large firm may bring. They looked for a platform that offered products for no other reason than because they were best in class.
The partners also knew that as entrepreneurs, they’d be able to relate better to their clients, many of whom run successful companies and built their wealth through their own hard work. They knew that they could differentiate themselves from the herd of advisors that aren’t willing to step away from big brands because they believed in themselves and the quality of advice and guidance they brought to each client relationship.
Most importantly, they could build an infrastructure that served their needs, which ultimately allows them to serve their clients needs. On that foundation, the XML Financial Group was born.

LPL Financial is one of the leading financial services companies and the largest independent broker in the nation.* For more than four decades, the firm has served as an enbaling partner, supporting financial advisors in their goals of protecting and growing their clients’ wealth. A chief objective of LPL Financial is to reduce the complexity of running a financial services practice so advisors can focus on what they do best – help their clients attain their financial goals and fulfill their dreams.
With headquarters on both coasts, LPL Financial supports financial advisors in helping their clients by offering a robust mix of serices and tools such as:

  • Enabling technology
  • Comprehensive clearing and compliance services
  • Practice management programs and training
  • Independent research

LPL Financial understands that providing Americans with unbiased investment advice is critical to their financial security. Because the firm has no proprietary products to sell, LPL Financial advisors can provide truly unbiased, conflict-free advice and investment recommendations.

The firm’s mission is clear: we believe that objective financial guidance is a fundamental need for everyone. We enable our customers to focus on what they do best – create the personal, long term client relationships that are the foundation for turning life’s aspirations into financial realities.

Thousands of financial advsiors nationwide rely on LPL Financial to help meet their clients’ financial needs. They do so by using the firm’s tools an resources that help them discover their clients’ priorities, dreams, and passions; recommendations that put clients on the path to pursuing their goals.

For more information about LPL Finanical, visit: www.lpl.com

*As reported in Financial Planning Magazine, 1996-2012, based on total revenue.

LPL Account Protection
LPL Financial is a member firm of the Securities Investor Proection Corporation (SIPC). Membership provides account protection up to a maximum of $500,000 per client, of which $250,000 may be claims for cash. For an explanatory brochure, please visit: www.sipc.org. Additionally, through London Insurers, LPL Financial accounts have additional securities protection to cover the net equity of client accounts up to an overall aggregate firm limit of $575,000,000, subject to other conditions and limitations.

The account protection applies when a SIPC member firm fails financially and is unable to meet its obligations to securities clients, but it does not protect against losses from the rise and fall in the market value of investments.

This extensive coverage reflects a strong commitment to serving your investment needs.
www.lpl.com

Brett Shane Bernstein, CFP®
Managing Partner

Brett Bernstein is a Managing Partner and co-founding Partner of the XML Financial Group, a wealth management and financial planning firm in Rockville, Maryland. Mr. Bernstein serves as the firm’s Chief Operation Officer, head of operations, and leads the firm’s estate and trust transactions. Previously, he was a Senior Financial Advisor at Merrill Lynch, where he was designated Sales Manager for a complex that managed over $5 billion in assets. Brett was named one of the Top Board Presidents of the Year by BoardRoom magazine for his service as President at the Lakewood Country Club in Rockville, Maryland back to back years. BoardRoom magazine annually recognizes the world’s top private club presidents for their outstanding work, their understanding of the industry and role and responsibilities of the club’s board of directors (January 31, 2012/January 31, 2013).

Education & Philanthropy
Prior to becoming a certified financial wealth management consultant, Mr. Bernstein earned his Bachelor of Science degree in finance from the University of Maryland’s Robert H. Smith School of Business and continued his education at Georgetown University. He has been a volunteer for the CERTIFIED FINANICAL PLANNER Board of Standards, Inc. Board of Examiners. Brett is the Past-President of the Board of Directors for the Lakewood Country Club and has been is membership chairman and Vice President. He is the Vice Chairman of the GW Cancer Institute Advisory Board and the President of So What Else charity and he has previously served on the EagleBank Foundation Golf Committee.

Robert D. Kantor, ARPC
Managing Partner
Robert Kantor is a Managing Partner and co-founding Partner of the XML Financial Group. Mr. Kantor serves as the firm’s Chief Compliance Officer. He also serves as the head of the firm’s investment committee, which drives asset allocation strategies and investment securities section. Previously, he was a Assistant Vice President at Merrill Lynch, where he specialized in custom retirement plan design. He also served on the Advisory Counsel to Management and was a founder of the Charity Giving Committee.

Education & Philanthropy
Before becoming a financial consultant, Mr. Kantor received a Bachelor of Science degree in business management from the University of Maryland’s Robert H. Smith School of Business and continued his education through the Society of Administrators and Record Keepers earning the title of Accredited Retirement Plan Consultant. Rob has served as a board member for both Lakewood Country Club as well as the National Capital Area Alzheimer’s Association. He has also chaired the golf committees for both the Amity Club of Washington and Lakewood Country Club. He has served as a Lakewood Country Club board member and sits on the Board of the National Capital Area Alzheimer’s Association.

John M. Finigan, Jr.
President, Finigan Financial Services, LLC
an XML Financial Group company

John Finigan has been helping people with their financial planning needs for more than 40 years. After a career in the U.S. Army, Mr. Finigan joined Edward Jones as a financial consultant. In 2002 he started his own firm, Finigan Financial Services, LLC, now an XML Financial Group company. He provides clients with a comprehensive, full service financial planning and asset management.

Education & Philanthropy
Mr. Finigan has a Master of Business Administration from Florida Institute of Technology and holds a bachelor’s degree in Finance & Banking from Seattle University. He has served in a variety of offices for community and service organizations, including club president for Rotary International and vice-president for the Metro Washington DC Chapter of the International Association for Financial Planning (FPA). He is an Investment Advisor Representative (Series 65) with LPL Financial and also holds the Series 7 and 63 securities registrations through LPL Financial. He also maintains Life, Health and variable annuity insurance licenses.

Jason Elliot Klopman, CFP®
Partner
Mr. Klopman is a Senior Financial Consultant with XML Financial Group and has been in the financial services industry for the past five years. His specialty revolves around financial planning and asset allocation strategies. Through his training with one of Wall Street’s largest financial institutions and then XML Financial Group, Mr. Klopman acquired the necessary skills to help continue to build XML Financial Group’s practice. He is a key component to the analysis, preparation and implementation elements of the financial planning process.

Education & Philanthropy
Mr. Klopman graduated from the University of Maryland’s Robert H. Smith School of business with a Bachelor of Science degree in finance. He then went on to continue his education with Kaplan University, completing requirements to sit before the Certified Financial Planners Board of Standards to obtain his CFP® designation. Mr. Klopman volunteers at various food drives for MANNA Foodbank and supports the American Diabetes Association.

Kevin Patrick Peters
Financial Consultant
Managing Partner
XML Insurance Group
Mr. Peters has been in the financial services industry for the past ten years, specializing in Life Insurance, Disability Insurance, Long-Term Care and Estate Planning, as well as a variety of Business Insurance Planning. While working at one of the industry’s largest insurance companies, Mr. Peters hired, trained, and developed new insurance professionals and assisted them in growing their businesses and becoming financial advisors. During that time, Mr. Peters also helped small and medium-sized local businesses develop design comprehensive benefits plans. With a strong desire to provide his clients with independent insurance planning recommendations, Mr. Peters established his own independent insurance company in 2003, Benefits Insurance Group, Inc., which would eventually merge with XML Financial Group to become XML Insurance Group.

Education & Philanthropy
Mr. Peters is one of the founding members of the Washington, DC metropolitan chapter of the National Aging In Place Council (NAIPC), which assists in providing education and resources to the local aging population. Additionally, Mr. Peters serves as the President of the Board of Directors for a local non-profit organization in Washington, DC, the Kingman Boys and Girls Club. Mr. Peters attended the University of Maryland where he graduated with a degree in Government and Politics.

Jonathan C. Lowe
Senior Financial Consultant
Mr. Lowe has been in the financial services industry for fourteen years. He specializes in financial planning and asset management. Mr. Lowe started his career at Moors & Cabot Inc, before joining Wheat First Securities, which later became Wachovia Securities. Working at Wachovia for five years, Mr. Lowe partnered with a team that specialized in working with international organizations such as the World Bank, the IMF – International Monetary Fund, and the OAS – Organization of American States. In 2005, he left Wachovia and joined Ryan Beck which later became Stifel Nicolaus. In August of 2009, Mr. Lowe joined XML Financial Group.

Education & Philanthropy
Mr. Lowe sits on the Community Leadership Board for the American Diabetes Association Washington, DC. He is the founding member and Chairman of the Board for the TJ-JL Foundation Inc., a local 501c3 supporting the American Diabetes Association, the JDRF – Juvenile Diabetes Research Foundation, and the DRWF – Diabetes Research and Wellness Foundation. Jon sits on the board for The C.L.A.Y. Foundation (advocates for swim instruction, CPR training, AED availability and a year round warm water swim facility). Jon recently became a member of the MCCC – Montgomery County Chamber of Commerce. Mr. Lowe volunteers regularly for such groups as the Joslin Diabetes Center and Catholic Business Network of Montgomery County. Jonathan’s a parishioner at Holy Redeemer in Kensington and is an active member of the Knights of Columbus, Rock Creek Council. Jon is a Native Washingtonian and attended East Carolina University, concentrating his studies in Business and Finance. Jonathan resides in Kensington, MD with his family and spends his spare time playing with his two children.

Robert P. Abel, CPA
Financial Consultant
Robert Abel, CPA is a financial consultant with the XML Financial Group. Mr. Abel has expertise in individual, business and estate tax and accounting issues. He helps clients pursue their investment objectives in a tax efficient manner. Mr. Abel is a Certified Public Accountant and is enrolled to practice before the IRS. Through LPL Financial he is an Investment Advisor Representative (Series 65), and a General Securities Representative (Series 7). Additionally he maintains a Resident Producer Individual Insurance license (Maryland Insurance Administration). He is a member of the American Institute for Certified Public Accountants (AICPA), Maryland Association of Certified Public Accountants (MACPA), National Association of Tax Preparers (NATP), and was elected to the Board of Directors of the Association of Practicing CPAs.

Education & Philanthropy
Mr. Abel received a Bachelor of Science degree in Mathematics from the University of Maryland and continued his education there with a Master of Science degree in Computer Science. Mr. Abel furthered his education with an associate degree in Accounting from Montgomery College. Mr. Abel was a faculty member at James Madison University’s business school. Mr. Abel contributes to a number of charitable organizations with emphasis on Autism and Breast Cancer Research. He is also a contributor to Montgomery County Hospice.

Judith M. Tiktin, CPA
Financial Consultant
Judith is a CPA in private practice for 18 years in Silver Spring. Judith joined XML Financial Group to merge her financial services business, thereby enhancing the services available to her clients, and to those of the group.

Education & Philanthropy
Judith graduated from the University of Maryland with a Bachelor of Science degree in accounting, and went on to work in the tax department of Touche Ross (now Deloitte & Touche). It was at Touch Ross that she acquired experience and training in broad areas of taxation providing the foundation to start her own small accounting firm. Judith is a member of the Maryland Association of Certified Public Accountants and the Maryland Society of Accountants. Judith is an Investment Advisor Representative (Series 65) and also holds Series 6 and 63 securities registrations with LPL Financial. Judith is a supporter of The Hebrew Home of Greater Washington, The Whitman-Walker Clinic, Southern Poverty Law Center and numerous local organizations including the Police and Fire Departments.

-1 Kyle Denison
Financial Consultant
Mr. Denison is a Financial Consultant with XML Financial Group and has been in the financial services industry for the past three years. His specialty revolves around financial planning and asset allocation strategies. He began his career as an Associate Financial Advisor at Ameriprise Financial where he developed the skills he uses to contribute to XML Financial Group’s practice. He is a key component to the analysis, preparation and implementation elements of the financial planning process.

Education & Philanthropy
Mr. Denison graduated from George Mason University’s School of Management with a Bachelor of Science degree in finance. He is currently continuing his education with Kaplan University and is in the process of completing the requirements needed to sit before the Certified Financial Planners Board of Standards to obtain his CFP® designation.

-1 Noorjahan Enayat
Financial Consultant
Noorjahan “Noory” Enayat has been in the financial services industry since 2008, and is a Financial Consultant with Finigan Financial Services, LLC, now an XML Financial Group company. Her focus is on financial planning and maintaining the client-advisor relationship and communication flow. She conducts research on investment products as part of the firm’s due diligence practice, helps to drive asset allocation strategies, and analyzes client portfolios.

Education & Philanthropy
Ms. Enayat earned a Bachelor of Arts degree in Economics from San Diego State University, continuing her studies in Economics through the American Economic Association’s Summer Training Program at the University of California Santa Barbara in 2008. She holds Series 7 and 66 securities registrations through LPL Financial. She also maintains Life, Health and variable annuity insurance licenses.
She is currently continuing her education in the financial planning field, completing the Executive Certificate in Financial Planning curriculum at Georgetown University to meet the requirements needed to sit before the Certified Financial Planners Board of Standards to obtain her CERTIFIED FINANCIAL PLANNER ™ (CFP®) designation.
Noory is a volunteer and member of Northern Virginia Family Services and Afghan-American Women’s Association (A-AWA). She also consults with the DC chapter Local Leader Trainer and board member of Children’s International Summer Villages (CISV), a non-profit member of a global organization dedicated to educating and inspiring for peace through building inter-cultural friendship, cooperation and understanding.

-1 Susan A. Harpe
Director of Operations
Sue Harpe has been in the financial services industry for over 30 years. Prior to joining Finigan Financial Services LLC, now an XML Financial Group company, she was with Edelman Financial Services LLC as the Director of Compliance Supervision for 19 years. She serves in the capacity of Director of Operations, managing the day to day office functions as well as assisting with ensuring the organization is in compliance with securities regulations.

Education & Philanthropy
Ms. Harpe holds the Series 7, 63, 24 and 53 securities registrations through LPL Financial as well as Life, Health and variable annuity insurance licenses. She is a volunteer with Inova Blood Donor Services.

Natalie Hardy
LPL Senior Registered Administrative Associate
Natalie Hardy has been in the financial services industry for nearly 10 years. Prior to joining XML Financial Group in 2009, Natalie worked at Morgan Stanley, supporting high net worth clients and Senior Financial Advisors. As the front line Senior Registered Administrative Associate, Natalie strives to always provide clients with high quality, timely, professional and personable service. She is a key component in addressing the needs of XML’s clients. Natalie has Series 7 and 66 Securities Registrations (held with LPL Financial). Natalie grew up in Baltimore and lives in Bethesda with her Fiancée.

Education & Philanthropy
Prior to coming into the finance field, Natalie earned her Bachelor of Arts degree in Business and Economic from McDaniel College (formally Western Maryland College) and continued her education at New York University. She is an active participant of the Junior League of Washington, serving most recently at a board member and committee chair of Bright Beginnings Inc. Bright Beginnings Inc. was started by Junior League in 1991 to address the critical need for child care for homeless families in DC. Since then, Bright Beginnings has met the needs of nearly 1,700 homeless children by providing families with developmental childcare and on-site therapeutic and family support services. Natalie worked to lead the committee for 4 years through their largest fundraiser and 5k event.

-1 Gina Neild
Administrative Associate
Gina Neild joined XML Financial Group as an Administrative Associate in 2005. Mrs. Neild performs administrative and office support activities as well as is the lead associate for Kevin Peters of XML Insurance Group handling Life Insurance, Disability Insurance and Long-Term Care Insurance applications. Prior to joining XML, Gina worked for the New Zealand Police in the administration department for 7 years. In 1987, Mrs. Neild joined the Finance Industry working for Jordan Sandman Smythe/JB Were New Zealand, where she worked until moving to the United States in 2003.

Education & Philanthropy
Mrs. Neild has been very active in fundraising for the Wootton High School lacrosse team as well as an active volunteer for their Patrons of the Arts Program. She regularly volunteers for the Westleigh swim team and participates in the light the night walk in Rockville for Leukemia & Lymphoma Society & Jeremy’s Run held to benefit the Partnership at Drugfree.org. Gina lives in North Potomac with her husband and two sons.

-1 Kristen Skolnik
Administrative Associate
Kristen Skolnik joined XML Financial Group in January of 2013, after working as an Executive Assistant for 8 years for a Third Party Administrator firm and an Administrative Assistant for 2 years with an accounting firm. She is originally from Silver Spring and has lived her entire life in Montgomery County. She resides in Germantown, MD with her husband and three kids.

Education & Philanthropy
Kristen earned her Bachelor of Arts degree in Communication Arts from Salisbury University. She volunteers and is active in Community Theater and dedicated to the importance of arts in and around the DC Metro Area. Kristen has worked on approximately 10 productions, of which several have gone on to receive WATCH (Washington Area Theater Community Honors) awards, one of the highest awards given for Community Theater.

-1 Mike Finigan
Client Service Associate
Mike Finigan serves as Client Services Associate for Finigan Financial Services, LLC, now an XML Financial Group company. He provides support to clients through the preparation of account documents, the transfer of client assets and addressing a myriad of client needs as necessary.

Education & Philanthropy
Mike holds a Bachelor’s degree in Business Administration from the University of San Francisco. He holds the Series 7 securities registration through LPL Financial and is studying for his Series 66.

Committed to our independence
every step of the way

XML Financial Group is an independent financial services and wealth management firm. After nearly forty years of combined experience with one of the largest financial services firms, the founders of XML deliver a first class experience that addresses asset titling and estate planning needs, philanthropic planning, tax planning, comprehensive insurance planning, retirement planning (including plan design assistance and forecasting), and traditional investment management. Using an open architecture allows the team at XML Financial Group to reach across product platforms and address the most unique financial circumstances with unbiased advice. Guidance is built on a disciplined foundation that incorporates three key cornerstones and philosophies:
DISCIPLINED
At XML Financial Group our professionals do not trade stocks, time the market, or waiver from recommended allocations and managers. As financial advisors affiliated with LPL Financial, we generate most of our revenue from asset management fees rather than commissions, thus many potential conflicts of interest are removed. While there are always appropriate times to reevaluate portfolios and other plan strategies, the XML philosophy is designed to address long-term objectives taking into account a practical approach to the client’s
day-to-day needs.
INTERLOCKED
Understanding that additional advisors in your life are beneficial to the overall process and success of a plan, the XML Financial Group encourages and often facilitates collaboration with your CPA, attorney and other trusted
advisors. Creating a strong line of communication between all parties greatly improves the experience for the client and, more importantly, the chance of successfully reaching realistic goals.This comprehensive approach begins with:
• A thorough assessment of your current financial state
• Identification of financial goals, risks and time horizons
• Plan development
• Plan supervision
• A customized communication schedule to suit client needs
PRINCIPLED
The XML Financial Group does not sell proprietary products: ever. Consistently keeping the client’s best interests first, regardless of potential financial gain, is our number one priority. Our use of an independent broker/ dealer compliments that philosophy and translates to the delivery of:
• Unbiased guidance
• Access to independent research
• Broad investment offerings
• Competitive pricing
• True independence

The LPL Financial registered representatives associated with this site may only discuss and/or transact securities business
with residents to the following states:
AL,AZ,CA,CO,CT,DC,DE,FL,GA,IA,ID,IN,KS,KY,MA,MD,ME,MI,MN,MO,NC,NH,NJ,NV,NY,OH,PA
PR,RI,SC,SD,TN,TX,VA,WA,WI,WV

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