AdFi
EF

Emergent Financial Services, LLC.

SEC Registered

Build your financial future with a local Charlottesville family-owned firm

Charlottesville, VAhttps://emergentfs.com434-260-1690
Assets Under Management
$100M–$500M
Employees
5
Office Locations
1 office
Total Accounts
250

About the firm

Emergent Financial Services is a Hispanic-owned, SWaM-certified, fee-only, independent registered investment advisor based in Charlottesville, Virginia, started by a family of entrepreneurs. The firm specializes in Financial Planning and Portfolio Management with customized portfolios for individuals, families, businesses, and institutions. As an employee-owned firm, it serves local and surrounding communities as well as communities across the country.

Firm Focus

Client segments reported on the firm's SEC Form ADV — applies to all advisors at the firm.

IndividualsHigh Net WorthPension/Profit Sharing

Areas of expertise

Financial PlanningPortfolio ManagementRetirement PlanningRoth ConversionLegacy PlanningEducation PlanningSocial Security AnalysisFee-onlyIndependent RIAHispanic-owned

Services

Financial Planning and Portfolio Management, including Retirement Planning, Spending and Budgeting, 529 and Education Planning, Social Security analysis, management and advice on brokerage accounts, retirement accounts, Traditional IRAs, Roth IRAs, Rollover IRAs, Inherited IRAs, Health Savings Accounts (HSA), 401(k) and 403(b) accounts, RMD strategies and distribution calculations, Roth Conversion analysis, and Legacy Planning.

Who they serve

Individuals, families, businesses, and institutions, including local and surrounding communities in Charlottesville, Virginia, as well as communities across the country.

Client segmentClientsAssets managed
Individuals (Non-HNW)227$35M
High Net Worth Individuals19$33M

Leadership

Xavier Jose Urpi
CIO/MANAGING PARTNER
Alexander Xavier Urpi
CEO/CCO/MANAGING PARTNER

Office locations

1 office in 1 state
VA
CharlottesvilleHQ

Advisors at this firm

3 advisors in the directory

Regulatory & compliance

CRD number
#288434
SEC Number
801-114160
Disciplinary History
No
Fee Model & Minimums
Model: AUM / Flat Fee
Asset tierAnnual rate
Up to $9,999,9991.00%
$10,000,000 and Over0.75%
Institutions Fixed-Income First $50,000,0000.40%
Institutions Fixed-Income Next $50,000,0000.20%
Institutions Fixed-Income Over $100,000,0000.10%

Data as of March 24, 2026 · Source: SEC IAPD & FINRA BrokerCheck

Contact Information

Editorial disclosure

This profile was compiled and published by AdvisorFinder as editorial content using publicly available information from the SEC's IAPD database and FINRA BrokerCheck. Emergent Financial Services, LLC. has not reviewed, approved, or endorsed this profile and is not responsible for its accuracy. Regulatory records change over time — always verify the current record directly on the SEC or FINRA websites before making any decision.

BrokerCheck data is used subject to the FINRA BrokerCheck Terms of Use. Found something inaccurate? Report inaccurate data and we will correct any error we introduced. Errors in the underlying BrokerCheck record itself are referred to FINRA, which maintains that record.

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