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 & Co-founder

Rob D. Kantor, ARPC

Managing Partner & Co-founder

John M. Finigan, Jr.

Partner

Jason Elliot Klopman, CFP®

Partner

Kevin Patrick Peters, CLU®

Executive Financial Consultant

Jonathan Lowe

Business Development Officer

Noorjahan Enayat

Executive Financial Consultant

Judith M. Tiktin, CPA

Financial Consultant

Robert Abel, CPA

Financial Consultant

Susan A. Harpe

Director of Operations

Todd Kullen

Chief of Staff

Natalie Gosselin

Operations Associate

Robyn L. Crossan

Operations Associate

Stacey Lee

Operations Associate

Mike Finigan

Operations Associate

Gina M. Neild

Administrative Associate

Lisa Golden

Director of First Impressions

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
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We offer a full suite of investment services
advisor
consulting

Whatever your current background is in an investment advisory capacity, XML Financial Group can help you think about, address, and execute on the decision to go independent.

financial
planning

The wealth management team at XML Financial Group is here to help you with all aspects of financial planning.

investment
management

With an understanding that every client’s needs are unique, XML Financial Group strives to provide the most customized and consultative investment management service possible.

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Brochure

XML Brochure

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