XCountry Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
About
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.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General estate planning guidance
General retirement planning
Occupation focus
Founder/Business Owner
Fee options
Fixed fees typically ranging from $1,000 to $50,000 for comprehensive financial plans
$0 - $250,000: 1.50% $250,000.01 - $500,000: 1.25% $500,000.01 - $1,000,000: 1.00% $1,000,000.01+: Negotiable
Hourly rate up to $500 per hour for limited-scope financial planning
Account minimum: $250,000 Fee-only: Fixed fees ranging from $1,000 to $50,000 for comprehensive financial plans; hourly fees up to $500 per hour for limited-scope planning
Main office location
XCountry Financial
Poncha Springs CO, United States
Number of offices
1
Most active in
XCountry Financial has reported serving >5 clients in these states in the last 12 months.
Colorado
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
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