Building Relationships to Last a Lifetime

Many of our uniquely successful clients lead busy lives and don’t always have the time or understanding to research, develop and regularly review their financial strategies. In addition to serving generations of families, the diverse clients we serve include technology and financial service professionals, business owners, and real estate investors. A growing number of these high-net-worth individuals are from the Asian community.

Fluent in both English and Mandarin Chinese, we believe our clients turn to us to help optimize the potential of their wealth and simplify what may be complex. While unique in their paths to our door, our clients can all benefit from our customized wealth management strategies and streamlined explanations of our recommendations.

The single most important determinant of your experience with us is the quality of the relationship we develop with you. We give you the professional focus you might expect from a boutique organization, backed by the intellectual capital and vast competencies of a wealth management institution with a global footprint.

From investment and retirement planning to 401(k) and defined benefit plans, to residential, commercial, and securities-based lending through Bank of America, N.A., to tax-minimization, charitable planning, and trust and estate planning strategies, the depth and breadth of our knowledge is reflected in the multi-pronged approach we take and the results we help deliver.

When you work with The XK Group, you are getting a cohesive team supported by decades of experience in the financial services industry. We are focused on earning and maintaining your trust by fulfilling your needs and expectations. We have found that frequent communication, honesty, and transparency can lead to success. Our goal is to be accountable to you and we are committed to maintaining an open and honest dialogue with you now and in the future.

Our Process

Our process is designed to deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond portfolio management. Our ability to provide access to the investment insights of Merrill Lynch Wealth Management and the banking convenience of Bank of America offers a way for clients to manage all of the pieces of their financial lives. We can be a financial resource, helping clients with the process of transferring wealth to the younger generation.

Focus On Individuals and Families

We work primarily with high-net-worth individuals and families. We’ll begin by getting to know you as we explore the following seven priorities together: Clients at various stages in their lives count on us to help them find ways to pursue their financial and life goals, including:

• The retirement lifestyle they envision
• Preparing for the cost of the best education possible for their children and grandchildren
• Wealth transfer to the next generation
• Establishment of their legacy through family foundations and philanthropy
• Diversifying business interests
• Effective strategies for managing concentrated equity holdings

Retirement Accredited Financial Advisor

As a Bank of America Merrill Lynch Wealth Management Retirement Accredited Financial Advisor (RAFA), Sam Xiang is one of a select group of Merrill advisors trained and experienced in defined contribution plans who can add value to your plan by:

• Offering access to 3(21) fiduciary services¹
• Helping you shape your investment strategies
• Offering thoughtful advice without a proprietary investment requirement
• Providing periodic reporting and helping you understand results and measurements to assist you in managing your plan over time
• Working with you to create a plan that is designed to drive employee engagement and positive participant behavior
• Assisting in the delivery of employee financial wellness programs and education
• Helping employees connect their life priorities with their finances to help them pursue what matters most to them

¹ Fiduciary Advisory Services is an investment advisory service sponsored by Merrill Lynch. It will only be offered to defined contribution plans record kept by Bank of America Merrill Lynch and plans record kept by our Advisor Alliance providers. It is available for plans up to $500 million in plan assets. For more information on plan eligibility speak to your Merrill Lynch advisor.