Xavier Financial Services, where expertise meets personalized care. I'm Frank Gramlich, CPA, the owner/managing member of Xavier Financial Services. With a commitment to growth, I provide a range of financial services tailored to individuals and small businesses.

I started XFS because I value meeting great people from all walks of life and positively impacting their financial well-being. I also value rolling up my sleeves and getting my hands in the dirt from time to time. My collective professional experiences, drawing extensively from my time with Smart & Associates and TD Bank, have influenced the vision for XFS. Over 20 years in accounting and financial services have instilled in me broad technical experience, a deep understanding of the design and value of an effective control environment, and the consistency necessary to execute and drive client satisfaction.

XFS specializes in providing small businesses with accounting and tax solutions. In addition, XFS provides tax preparation, advisory and consulting services, as well as forensic accounting to individual and small business clients.

Helping clients achieve their goals is my top priority. Let’s work together to make your financial circumstances thrive.