Website Terms of Use

Last Updated: August, 2023 XML Financial Group (“us”, “we” or “our”) may only transact business in a U.S State or territory in which we are registered or qualify for an exemption or exclusion from registration requirements. This website is limited to the dissemination of general information pertaining to advisory services, together with access to additional investment-related information, publications, and hyper links to other industry related web-based sources. Accordingly, the publication of our website on the Internet should not be construed by any consumer and/or prospective client as a solicitation to effect, or attempt to effect, transactions in securities, or the rendering of personalized investment advice. Any subsequent, direct communication by us with a prospective client shall be conducted by an investment advisory representative, referred to as a Wealth Advisor. For information pertaining to the current registration status of us or that of a Wealth Advisor , please visit the SEC Investment Adviser Public Disclosure website. Certain portions of this website may contain a discussion of, and/or provide access to the opinions of other investment and non-investment professionals as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current opinion or circumstances. Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from us, or from any other investment professional. Wealth Advisors and employees are neither licensed attorneys nor accountants, unless specifically identified as such, and no portion of the website content should be interpreted as professional legal, accounting or tax advice. Past performance is no guarantee of future results.  Investing involves risks and may not be suitable for all investors. Before you engage our services, please read our Client Relationship Summary (Form CRS), ADV Part 2A Brochure or Wrap Fee Brochure and the Advisor’s individual 2B Supplement, found on each of the Advisor’s Bio page.To the extent that any client or prospective client utilizes any financial calculator or similar device contained within or linked to this website, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from us, or from any other investment professional and should not be relied upon to make investment decision. Each client and prospective client agrees, as a condition precedent to his/her access to this website, to release and hold us harmless, our officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her actions and/or omissions which are independent of his/her receipt of personalized individual advice from a Wealth Advisor.

No Warranty

This Website was created for the convenience of our Internet visitors. The information (including text, graphics, and functionality) is presented ‘As Is’ and ‘As Available’ without express or implied warranties including, but not limited to, implied warranties of non-infringement, title, merchantability, and/or fitness for a particular purpose. We expressly disclaim any liability for errors and omissions regarding the information and materials contained in the Website. Due to the nature of the Internet, we cannot guarantee the confidentiality, accuracy or completeness of the information contained in this Website, information provided via this Website, or its suitability for any purpose. Further, although we make reasonable efforts to avoid technological problems, we are not responsible for any technological problem with the Website or with anyone’s use of the Website and will not be liable for any impact these problems may have on users.

CFP Designation

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.


The entire content (including text and ‘look and feel’ attributes) of this Website is copyrighted by XML Financial, LLC or other third-party providers, or otherwise constitutes the our exclusive confidential and proprietary intellectual property . Any commercial use of such content requires our written permission of  which consent may be withheld in our sole discretion. All rights reserved.


Because of the marked increase in the fabrication and proliferation of computer viruses affecting the Internet, XML wants to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. XML is not responsible or liable for any damage or loss caused by such hazards.

Linked Websites

This Website may provide links to other websites for your convenience in locating related information and services. We do not maintain any of these other websites and has no control over the organizations that maintain these websites or the information, products, or services these organizations provide. Although we believes that the information from these organizations is reliable, we cannot guarantee their accuracy, completeness or suitability for any purpose. Accordingly, we expressly disclaim any responsibility for the content of these other websites, the accuracy of the information on these websites and/or the quality of products or services provided by the organizations that maintain them. We do not recommend or endorse these organizations or their products or services in any way and access to them is at the user’s own risk. You are prohibited from framing any of the materials on this Website, and/or from suggesting any affiliation or endorsement between us, without our prior written authorization. You may print copies of the material contained in this Website solely for your internal use in connection with the services provided to you by us and solely in accordance with these terms and conditions. You are expressly prohibited from selling; distributing; copying, amending; modifying; posting; transmitting; uploading; or similar action regarding the material in this Website including: graphics; text; content; logos or the like. Further, you are prohibited and will be responsible for any and all of your unlawful use of this Website.

Limitation of Liability

Under no circumstances including, but not limited to, negligence, shall we be liable for any direct or indirect, incidental, special or consequential damages that result from the use of, or the inability to use, the materials in this Website, even if we or our authorized representatives have been advised of the possibility of such damages. In no event shall our total liability to you for all damages, losses, and causes of action (whether in contract, tort or otherwise) exceed the amount paid by you, if any, for accessing this Website. You are solely responsible for your decision to and use of this Website. You shall indemnify and hold us harmless from and against any and all claims, damages, liability and/or costs relating to you or your agents use of this Website.


The laws of the State of Delaware govern this Website in all respects. Any disputes or actions shall be initiated and resolved through Delaware courts. You must destroy all materials or copies of materials obtained from this Website upon termination.

Visiting Our Website from Outside the United States

This Privacy Policy is intended to cover collection of information on or via our website from residents of the United States. If you are visiting our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located, and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. Please be assured that we seek to take reasonable steps to ensure that your privacy is protected. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this privacy policy.

No Rights of Third Parties

This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of the website. Information throughout this site, whether charts, articles, or any other statement or statements regarding markets or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY ‘LINKED’ WEBSITE.


We understand that privacy is a concern for visitors to our website. You can visit our site to read about our firm, our services and type of product offerings, employees, find our branch offices, request information and access financial related calculators. This Privacy Policy describes the ways in which we collect, use, maintain and disclose information collected from our visitors and/or clients (collectively, “users”, “you” or “your”) through the use of this website. XML Financial,  is the sole owner of the information collected on this site. We will not sell or rent this information to others in ways different from what is disclosed in this statement. By providing a telephone number and submitting a form on our website, you are consenting to be contacted by SMS text message. Message & data rates may apply. You may reply STOP to opt out of those messages. No telephone number information will be shared with third parties/affiliates for marketing/promotional purposes. In maintaining this website, we gather information about site and page usage by visitors through a website analytics tool. This tool gathers data on website activity, such as how many people visit the site, pages they visit, how long they visit, etc. This information is obtained on an anonymous and aggregate basis and it helps us measure the use of the website’s content. None of this information is associated to an individual. These statistics can be used to monitor the performance of the website and to improve content for our site visitors, However, we are currently not utilizing this analytics tool.

Responsibility for User Information

In certain cases where users request information from us, we will also collect information voluntarily provided to us by site visitors in the Contact Us form. This personal information could include name, address, telephone and fax numbers, e-mail address, as well as other demographic information and message content volunteered by the site user. The information is captured in the admin section of our website and emailed to an employee. The email itself then becomes part of the archived correspondence and subject to our regulatory books and records rules. For all requests for information submitted via the following policies apply. We cannot accept via email  trade orders, instructions for the transfer or disbursement of funds to a third party or change of mailing address without verbal verification with the respective account associated person. If you receive this e-mail in error, please advise me (by return e-mail or otherwise) immediately. XML Financial, LLC (“XML”) is a registered investment adviser with the SEC. The use of the terms “registered investment adviser” or “registered” by us does not imply by itself any level of skill or training.  Information received by or sent from this system is retained by an archiving service subject to review by supervisory personnel and regulatory authorities or others with a legal right to review the content. These emails cannot be erased or altered. This information will not be sold to or provided to an unaffiliated third party except as expressed herein. No information is collected or saved when utilizing the various calculators on our website. We will use reasonable precautions to maintain the confidentiality of the information provided to us. The identifiable information will be visible to the website admin users. The website admin users have the ability to reset a user’s password and delete the user’s information. The information will be maintained in the admin database until a user submits a request to delete their information. Requests to delete information or export personal information may be made by calling 301-770-5234 or email addressed to Compliance. Due to change in Internet technology and the services we may choose to provide in the future on our website,we may  change this privacy policy at any time. If we make such amendments, they will be posted as they go into effect. If you have any questions about this policy, you may contact us using our “Contact Us” feedback form or call 301-770-5234 and ask for Compliance.


There are a couple types of cookies related to the web browsing experience. Neither cookie type contains any personally identifiable information. A temporary cookie, technically known as a Session Cookie, is one that your browser sets by default to communicate your browsing experience between you and the server. This session cookie is automatically destroyed in your browser when you close the web browsing session.  The second cookie type is known as a persistent cookie. A persistent cookie is a small bit of data stored locally on your machine that help with the overall browsing experience.  This website in general does not utilize the use of persistent cookies for the site to function properly. However, these cookies can help us provide a more tailored experience for users based on the type of product user has expressed interest in and in the way a user chooses to utilize the services. The types of persistent cookies utilized is for tracking how and when you initially found this site including what page you first landed on. For added control, users may adjust their own browser settings to address cookies.

Changes to Website

We will change the Website or update material without notice. While we make reasonable efforts to keep the site information accurate, we ares not obligated to update or correct information within any specified time period. We ares not responsible for information provided by third parties, whether the information is part of this Website, is in any linked website, or is information about us that is provided on any website other than this one.

Age and Responsibility

You represent that you are of sufficient legal age to use this Website and to create binding legal obligations for any liability you may incur as a result of the use of this Website. You agree that you are financially responsible for all uses of this Website by you and those using your login information, including any data aggregation service providers that you have authorized to access your data.

Termination of Access

We reserve the right to terminate, without prior notice to you, your access to this Website in our sole discretion, including without limitation, for overuse or abuse of this Website.

How to Contact Us

If you have any questions about this Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for their direct marketing purposes, please contact us.

how we work

We’re here to help you make investments that align with your lifestyle.

learn How

who we are

Brett Bernstein CEO & Co-founder
Rob Kantor CIO & Co-founder
Curtis Congdon President
Mark Samson Senior Partner
Michelle Cooper Partner & Director, XML-W - Women, Wealth and Wellness
Jason Klopman Senior Wealth Advisor, Partner
Eric Wightman Senior Wealth Advisor, Partner
Shawna Bieda Senior Wealth Advisor
David Clark Senior Wealth Advisor
Noorjahan Enayat Senior Wealth Advisor
Beth Levine Senior Wealth Advisor
David Margulies Senior Wealth Advisor
Jack May Senior Wealth Advisor
Lauren O’Brien Senior Wealth Advisor
Jordan VanOort Senior Wealth Advisor
Sharon Abbey Wealth Advisor
Sasha Kantarski Wealth Advisor and Director of Financial Planning
Steven Collins Wealth Advisor
Kevin Peters Wealth Advisor
John Sciuto Wealth Advisor
Jennifer Telesca Wealth Advisor
Nicole Treiber Wealth Advisor
Caleb Long Wealth Advisor
Radley Ellenbogen, CFP® Associate Wealth Advisor
Ben Kollender Associate
Mary Abba Client Service Associate
Florence Bird Client Service Associate
Louis Blanc Client Service Associate
Sharon Cirillo Client Service Associate
Jayson Magro Client Service Associate
Gail Stanton Client Service Associate
Meredith Wade Client Service Associate
Vidya White Client Service Associate
Douglas Callan Senior Portfolio Manager
Stephen Clagett Director of Branch Operations
Amy Lytle Director of Client Services
Hannah Myers Director of Marketing
Kristian Price Director of Client Experience
Caite Stevens Chief Technology Officer


Podcasts, articles, financial news and more!

learn More

Wondering if there might be something more you and your money could do?

There are several different ways to connect with us. Chose whichever you are most comfortable with.

let’s talk