XML Financial Group

Continuing to invest in the conversations shaping what’s next.

Caite Stevens, Chief Technology Officer, attended the Microsoft Community Conference diving into the evolving role of AI, with a focus on how it’s being implemented across organizations. From data readiness to governance, these insights directly inform how we think about growth and innovation at XML.

How much cash is too much in a savings account?

A savings account is designed for accessibility and stability, especially for emergency funds and short term needs. At the same time, holding excess cash may not always align with your broader financial strategy. Reviewing how much you keep in savings can help ensure it reflects your goals, timeline, and overall plan.

Connect with an XML Wealth Advisor to discuss how your cash fits into your financial picture.

https://info.xmlfg.com/blog/the-role-of-cash-how-much-is-too-much-in-a-savings-account

Retirement planning can feel complex, but it does not have to be.

Our latest guide outlines three essential questions to help you better understand your current financial picture, define your goals, and explore a path forward.

Download the guide: https://info.xmlfg.com/blog/defining-your-retirement-download-the-guide-to-the-three-essential-questions

What happens when helping family starts to compete with protecting your own financial future?

CEO and Co-founder Brett Bernstein, CFP®, recently spoke with Kiplinger about the considerations grandparents face when contributing to a grandchild’s education.

"The first thing the grandparents need to do is build a financial plan to ensure that they can maintain their current lifestyle and see how much they can financially help their grandchildren," he said.

Read more to explore how families can approach these conversations thoughtfully and strategically: https://info.xmlfg.com/blog/xml-ceo-featured-in-kiplinger-helping-grandchildren-with-education-costs

As travel season picks up, so do scams targeting ESTA applications, something to keep in mind if you have friends or family visiting from overseas.

The Electronic System for Travel Authorization (ESTA) is required for many international travelers entering the U.S., but fraudulent websites can lead to unnecessary fees or compromised personal information.

Encourage loved ones to apply through the official government site and stay aware of common red flags to help ensure a smooth, secure process. Learn more about how to avoid ESTA scams and protect personal information. Read the full blog article: https://info.xmlfg.com/blog/how-to-avoid-scams-while-applying-for-esta

Behind every plan, every milestone, and every future we help shape are women balancing it all.

This Mother’s Day, we celebrate the incredible women of XML Financial Group who lead with both expertise and heart, at work and at home.

Happy Mother’s Day 💐🫶

An emergency fund is a key part of financial planning, helping you stay prepared for unexpected expenses without disrupting your long term goals.

Whether it is a medical bill, car repair, or change in income, having a dedicated reserve can provide stability and flexibility when it matters most.

Learn more about building an emergency fund and strengthening your financial plan.
https://info.xmlfg.com/blog/preparing-your-finances-for-an-unexpected-emergency

We’re proud to share that two of our advisors have been recognized on the Forbes 2026 Best-in-State Wealth Advisors list.

Congratulations to:
- Curtis Congdon, CFP®, CRPC® – ranked No. 59 in Virginia
- Mark Samson – ranked No. 32 in Pennsylvania

This recognition, developed in partnership with SHOOK Research, highlights their commitment to client-first planning and delivering thoughtful, personalized financial guidance.

Curtis and Mark represent the values we prioritize every day at XML Financial Group. We are proud to see their work recognized. Congratulations to both. View the full list and the methodology here: https://www.forbes.com/lists/best-in-state-wealth-advisors/