XML FINANCIAL GROUP

RIASEC RegisteredEst. 2016
Total AUM
$3.3B
Discretionary
$2.5B
75% of AUM
Avg account
$551K
Accounts
5,987
Employees
54
Advisory reps
30

Firm details

Headquarters
BETHESDA, Maryland
CRD number
284987
Registered since
September 12, 2016
Website
www.xmlfg.com
Custodians
WELLS FARGO ADVISORS FINANCIAL NETWORK, LLC, NATIONAL FINANCIAL SERVICES LLC
Fee structure
Percentage of AUM, Hourly Charges, Fixed Fees
Client types
  • Individuals55.36%
  • HNWI41.21%
  • Corporations / Businesses2.4%
  • Pension & Profit Sharing Plans0.8%
  • Charitable Organizations0.23%
Services
Financial PlanningPortfolio Management for IndividualsPortfolio Management for Institutional ClientsPension ConsultingSelection of Other AdvisersEducational Seminars / Workshops

Firm profile

FINTRX

Overview

XML Financial Group is an independent registered investment adviser, organized as an LLC and SEC-registered since 2016. The firm serves both individual and institutional clients and offers financial planning, portfolio management for individuals, small businesses and institutions, pension consulting, adviser selection, and educational workshops. Its fee arrangements include asset-based fees, hourly charges and fixed fees. XML identifies itself as a capital allocator and maintains a range of industry affiliations, including broker‑dealer relationships and roles as sponsor or GP/manager of pooled vehicles. The firm has received several industry recognitions: Financial Times’ Top 300 RIA Firms (2020) and placement on Forbes’ Top RIA lists in 2022, 2023 and 2024.

Assets & Accounts

Public Holdings

Investments & Alternatives

Location & Offices

Read the full firm profile in FINTRX →

Investment profile

FINTRX

Traditional investments used

Alternative investments used

Active ESG investor

Technology & operations

FINTRX

CRM & tech providers

TAMPs used

Clients

FINTRX

Client base

Client personas

Asset composition

Asset composition: Public Funds/Mutual Funds 65%, Exchange Traded Equities 21%, State & Local Bonds 4%, Cash & Cash Equivalents 4%, Other 4%, US Government Bonds 1%, Non-Investment Grade Corp Bonds 1%65%
  • Public Funds/Mutual Funds65%
  • Exchange Traded Equities21%
  • State & Local Bonds4%
  • Cash & Cash Equivalents4%
  • Other4%

Owners & executives

3 of 3

  • BRETT BERNSTEIN

    CEO & Co-FounderCRD 3103034

  • JENNIFER SZARO

    Chief Compliance OfficerCRD 4395464

  • TODD KULLEN

    Chief Operating OfficerCRD 6627605

Contacts

3 of 27

  • CURTIS CONGDON

    PresidentCRD 4890245

  • BETH LEVINE

    Senior Wealth AdvisorCRD 2549150

  • LAUREN O'BRIEN

    Senior Wealth AdvisorCRD 5954360

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Wealth teams

FINTRX

Newly hired reps

FINTRX

Recent M&A activity

FINTRX

Recent filings

FINTRX

Awards

FINTRX

ETF holdings

1 of 183

Active vs passive

$834M in ETFs

Passive

89%

$742M

Active

9%

$91.7M

ETFProviderStyleCategoryValueShares% of portfolio
SCHWAB US LARGE-CAP GROWTH ETF (SCHG)SchwabPassiveLarge Growth$47.5M1,631,1575.70%
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Location

Primary office

BETHESDA, MD

MONTGOMERY

Location

BETHESDA, MD

Headquartered in BETHESDA, MD, anchoring the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA metro in the South.

Metro area
Washington-Baltimore-Arlington, DC-MD-VA-WV-PA
Region
South
County
MONTGOMERY
Address
6901 Rockledge Dr
Time zone
ET (UTC-5)
Office locations

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Source: FINTRX private wealth data intelligence

Intelligence for Private Wealth