Sean Roper has been helping Texas educators and school districts navigate their financial futures since 2001 — nearly 25 years dedicated to the people who shape public education. As Senior Partner at XO Financial, he specializes in retirement planning, insurance needs, and guiding teachers through the complexities of the TRS retirement process, always with an eye toward strategic solutions that serve both employees and districts. Outside the office, Sean and his wife Jessica run Roped In Ranch in West Texas, raising their two young daughters alongside a herd of livestock — a hands-on family life that mirrors the same rooted, long-term approach he brings to his clients.
Sam Brandt has spent over two decades in Texas public education, teaching and coaching since 2003 after earning his B.S. in Biology and M.S. in Exercise Physiology from Stephen F. Austin State University. That background on the sidelines and in the classroom gives him a firsthand understanding of what educators and coaches need from their financial partners. As a Financial Advisor at XO Financial, he helps school district employees navigate retirement planning, insurance needs, and the strategic solutions that support both employees and districts. Sam and his wife, Nicole, have three sons — Carter, Eli, and Owen.
Randy Brown brings a rare perspective to financial consulting: 34 years in Texas public education as a teacher, coach, principal, and superintendent across four school districts. That firsthand experience inside the state's education system shapes how he works today as a Financial Consultant at XO Financial, where he specializes in retirement planning and insurance solutions for school district employees. Randy helps Texas educators and public-sector employees maximize their benefits and build secure, long-term retirement plans — and works with districts to create strategic solutions that support employees, students, and budgets alike.
Emily's defining trait is a genuine love of learning — she's the kind of person always chasing a new skill, a better system, or a smarter way to solve a problem. Her connection to XO Financial runs through her father, Senior Partner Sean Roper, whose passion for the work and the impact it's had on clients and family alike sparked her own excitement about building a career here. As Office Manager, Emily keeps the team organized and running smoothly so agents can focus on what they do best. As she grows with the company, she's eager to take on more and deepen her role in serving XO's clients. Outside the office, she's usually crafting, learning something new, or spending time with family and friends.
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