A complete list of active advisors currently associated with XCountry Financial

Warmer can help you find a great advisor at XCountry Financial or one who fits your needs even better.

XCountry Financial (Christopher Malouf & Associates Inc.) provides discretionary portfolio management and financial planning services to pooled vehicles, institutional investors, and a range of client types including individuals, trusts, corporations, and charitable organizations. Services described in the brochure include continuous portfolio management, use of third‑party model strategies, comprehensive and limited‑scope financial planning, business planning, and risk‑management reviews. The firm states it follows a Modern Portfolio Theory framework, emphasizing asset allocation and a mix of passive and active strategies, and may implement models from Outside Managers accessed through the Schwab Advisor Services model marketplace. Accounts are generally managed on a discretionary basis with periodic (at least annual) reviews, and planning engagements can be delivered as fixed‑fee or hourly projects in addition to asset‑based management. Noteworthy aspects disclosed in the brochure include that advisors may be licensed to sell insurance and the firm owns a mortgage business (Enduro Mortgage), so it may engage in commission‑based sales in those capacities while describing fiduciary mitigations for related conflicts. The firm is an initial filing (formed in 2025) and combines percentage‑of‑AUM management with hourly/fixed planning options and a formal selection of Outside Managers (without sharing in those managers’ fees), a mix of practices that is less common among peers.

To learn more about the advisors currently working at XCountry Financial, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.