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Important Notices

Information about securities offered through XML Securities, LLC, member FINRA/SIPC (“XML BD”) XML BD is an affiliate of XML Financial Group.  XML BD is a full service, introducing broker dealer and member of the Financial Industry Regulatory Authority, Inc (“FINRA”).  Many, but not all, of the XML Wealth Advisors are also registered representatives of XML BD and are able to offer brokerage services through XML BD. BrokerCheck is a free tool to research the background and experience of financial brokers, advisers and firms. LET'S TALK

INSURANCE AGENCY

XML BD is also an insurance agency. Many, but not all, of the XML Wealth Advisors are also insurance agents and are able to offer insurance products through XML BD or an unaffiliated insurance agency.

ORDER ROUTING

XML BD’s primary custodian and clearing firm is First Clearing, a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker dealer and non-bank affiliate of Wells Fargo & Company (“FC”). The SEC Rule 606 requires broker dealers that route orders in certain equity and option securities to make available quarterly reports that present a general overview of their routing practices. If you would like to obtain further information regarding the primary market centers selected by FC to handle orders, you may access FC’s quarterly “Order Routing Report” by accessing this web link (Public Disclosure – SEC Rule 606 Reports) and selecting Wells Fargo Securities. Routing reports for Fidelity are available here.

MUNICIPAL SECURITIES DISCLOSURE

XML BD is also registered with the Municipal Securities Rulemaking Board (“MSRB”). The website address for the MSRB is www.msrb.org which includes access to the MSRB Rule Book and an investor brochure that describes the protections that may be provided by the MSRB rules and how to file a complaint with an appropriate regulatory authority. Access to www.msrb.org and the FINRA Manual is available at our branch locations.

JURISDICTION

The products, services, information and/or materials contained within these web pages may not be available for residents of certain jurisdictions. Please consult the sales restrictions relating to the products or services in question for further information. XML BD and individuals acting in the capacity as either a broker agent or insurance agent only transact business with a state resident after license or satisfying the qualification requirements of that state, or if they are excluded or exempted from the state’s requirements, as the case may be.

OPTIONS

If you are considering the use of options please read through the Characteristics and Risks of Standardized Options and Supplements. This is written and published by The Options Clearing Corporation. This booklet explains the purposes and risks of options transactions and is provided to an investor prior to buying or selling options contracts. The CBOE also has investor education videos that help illustrate the various behaviors of options.

CONSOLIDATED REPORTS

You should receive at least quarterly statements directly from the custodian that holds and maintains your investment assets. We encourage clients to carefully review such statements and compare such official custodial records to any report that we provide which consolidates assets or accounts, which we refer to as “consolidated reports” or is viewed via a third party software, such as within the XML Vault or Wealth Portal.  Statement formatting from different custodians typically varies based on their accounting procedures, reporting dates, or valuation methodologies of certain securities. Reports consolidating accounts are use primarily for planning purposes and estimates, and are not intended to be a replacement for custodial account statements. Please read this Consolidated Reports Disclosure when reviewing reports provided by us.

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who we are

Brett Bernstein CEO & Co-founder
Rob Kantor CIO & Co-founder
Curtis Congdon President
Michelle Cooper Partner & Director, XML-W - Women, Wealth and Wellness
Jason Klopman Sr. Wealth Advisor, Partner
Eric Wightman Sr. Wealth Advisor, Partner
Jack May Sr. Wealth Advisor
Lauren O’Brien Sr. Wealth Advisor
David Margulies Sr. Wealth Advisor
Noorjahan Enayat Sr. Wealth Advisor
Beth Levine Sr. Wealth Advisor
Kevin Peters Wealth Advisor
Steven Collins Wealth Advisor
Sharon Abbey Wealth Advisor
Sasha Chelekhov Wealth Advisor
Bob Abel Wealth Advisor
John Sciuto Wealth Advisor
Carlos Fuentes Assoc. Wealth Advisor
Nicole Treiber Assoc. Wealth Advisor, Client Service Associate
FULL TEAM

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