Emergent Financial Services, Llc.

Emergent Financial Services, LLC is a minority-owned firm based in Virginia, providing portfolio management services to individuals and institutions. Established in 2017 and registered with the SEC in 2018, the firm is owned by Xavier Urpí, Alexander Urpí, Nickolas Urpí, and Michael Urpí. For individuals, Emergent offers financial planning and portfolio management services, utilizing an asset allocation model based on the Capital Asset Pricing Model and the Efficient Frontier. The firm tailors its services to individual client needs, employing various investment strategies based on client objectives and risk parameters. Institutional services focus on short-term management strategies for government entities, primarily investing in fixed-income securities. As of December 31, 2024, Emergent has approximately 180 clients and $110,400,000 in regulatory assets under management. Fees are negotiable and based on total assets under management, with annual fees ranging from 0.75% to 1.0%. Emergent does not charge performance-based fees and serves both individual and institutional clients with no minimum asset requirement. The firm acts as a fiduciary, providing investment discretion for client accounts. Emergent's investment philosophy emphasizes principal protection and income generation, utilizing fundamental, technical, and cyclical analysis for security selection. The firm does not participate in wrap fee programs and does not charge performance-based fees.