About Xtramile Financial Group
Xtramile Financial Group works with investors during the Pre-Sale Planning Stage — the period before a major financial transaction, most often the sale of investment property. The firm was founded by EJ Pipkin and Cheryl Sutter, who together bring more than 55 years of experience in the financial services industry. Based in Tampa Bay, Florida. Available to investors in the region and beyond.
Xtramile was founded on the conviction that the most consequential financial decisions are too often made under pressure — when timelines are short, advisors are uncoordinated, and the work that should have happened earlier hasn’t been done. The firm exists to give investors the time, structure, and coordination those decisions deserve.
EJ Pipkin,
APMA®, CRPC®, MBA
Founding Partner
EJ brings more than 20 years of experience in the financial services industry, along with 10 years of public service as a former state senator of Maryland.
His career has spanned the private, public, and nonprofit sectors, including roles with Fortune 100 companies. He has also founded and led an environmental protection nonprofit organization. EJ specializes in working through complex financial decisions that require coordination across professionals — situations where the right outcome depends on analyzing multiple variables, developing a structured plan, and aligning advisors across the decision.
EJ earned a Master of Business Administration from the Darden School of Business at the University of Virginia and a Master of Science in Sport Management from Southern Methodist University.
Outside of work, EJ is an avid cyclist, runner, and concertgoer with a particular interest in 1970s music.
Credentials
Accredited Portfolio Management Advisor℠ (APMA®)
Chartered Retirement Planning Counselor℠ (CRPC®)*
*CRPC conferred by the College for Financial Planning.
Cheryl Sutter,
APMA®
Founding Partner
Cheryl began her investment career in 1986 and brings nearly four decades of experience in the financial services industry. She served for more than 16 years as a Senior Vice President in the investment division of a $6 billion bank, where her work centered on client relationship management, business development, and compliance oversight.
Her background combines deep expertise in asset allocation and portfolio management with disciplined work in risk assessment, financial modeling, and investment research. She is known among colleagues for building collaborative working relationships and for keeping client interests at the center of every engagement.
Outside of her professional life, Cheryl enjoys exploring new cuisines through cooking with family and friends, and is usually planning her next travel adventure.
Credentials
Accredited Portfolio Management Advisor℠ (APMA®)
Texas, Oklahoma, and Missouri Life, Accident, and Health Insurance Licenses
Our Platform Relationship
Investment advisory services are offered through Mariner Platform Solutions (MPS), a SEC Registered Investment Advisor. Xtramile Financial Group and MPS are not affiliated entities. The MPS relationship gives Xtramile access to institutional-grade infrastructure — research, technology, custody, and compliance — while allowing the firm to remain independently focused on the planning work that defines its practice.
Begin With a Conversation
If you’d like to discuss your situation, an initial conversation carries no obligation and no fee.