XY Investment Solutions

What XY Investment Solutions does

XY Investment Solutions, doing business as XY Planning Network (XYPN), is a private, subscription-based advisor support platform founded in 2017 and headquartered in Bozeman, Montana. The company serves independent, fee-only Registered Investment Advisors (RIAs) — particularly solo practitioners and micro-firms — who want to launch, run, or grow an RIA practice while retaining full ownership of their business, client relationships, data, and brand. XYPN has grown to a network of 2,100+ member advisors and reports a 90% member 'high satisfaction' rate.

The platform is structured around two membership tiers: Emerald, a subscription offering for advisors who operate their own RIA and consume add-on services a la carte, and Sapphire, a turnkey corporate RIA affiliate model that bundles compliance and back-office support and is priced as a monthly fee plus a revenue percentage. Members receive a curated technology stack via enterprise-negotiated partnerships with Wealthbox, RightCapital, Holistiplan, Orion, AdvicePay, Smartria, Elements, and FP PathFinder, plus exclusive member discounts on custodian and SaaS partners including Charles Schwab, eMoney, Envestnet Money Guide, QuickBooks, and Gusto. Optional add-on services — Compliance Support (with weekly compliance office hours, CCO support, and SEC/state registration), Investment Management (turnkey asset management delivered through Orion), Bookkeeping, and Member Tools & Kits — are sold separately as recurring revenue streams. Adjacent offerings include the Find An Advisor consumer referral portal, the XYPN Academy education and CFP CE-credit platform, and the annual XYPN LIVE conference.

XYPN monetizes predominantly through recurring subscription fees, with revenue-share economics on Sapphire and incremental fees from add-ons. The go-to-market is community-led: content marketing (blog, Balanced PM Podcast, Behind the Advisor Podcast), events (XYPN LIVE, webinars, retreats), mastermind groups and forums, and the Find An Advisor consumer channel drive both member acquisition and downstream referral flow. The company is co-founded by industry figure Michael Kitces and emphasizes advocacy for fiduciary standards; it discloses no external private-equity or venture-capital ownership in the source material.

Name

XY Investment Solutions

Legal name

XY Planning Network

Website

https://xyinvestmentsolutions.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

XY Investment Solutions (dba XY Planning Network) operates a subscription-based advisor support platform with 2,100+ members that helps independent, fee-only RIAs launch, run, and grow their practices via two membership tiers (Emerald and Sapphire), a curated tech stack, and add-on compliance, investment management, and bookkeeping services.

Ownership category

akta.pro rank

Product category

RIA Advisor Support Platform

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Investment Management Advisory (RIA) (FSAEAAAB)

akta.pro secondary industry

Portfolio Management–Led RIAs (Discretionary/Model-Based) (FSAAACAC)

Keywords

• Turnkey asset management
• RIA advisor support
• Fee-only financial planning
• Compliance software services
• Investment management platform

Headquarters

HQ city

Bozeman

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Emerald Membership Subscription: Subscription-based membership for advisors who want control over their RIA operations with flexible add-on support services. One affordable subscription-based fee with optional add-ons for compliance, investment management, and bookkeeping.
2. Sapphire Membership Subscription: Monthly subscription plus revenue percentage for advisors preferring the structure of tucking under a corporate RIA with built-in operational and compliance support
3. Add-on Support Services: Additional fees for optional services including compliance support, investment management, bookkeeping, and member tools and kits

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels7 records

Core offering

XY Investment Solutions operates a turnkey asset management and advisor support platform enabling independent, fee-only RIAs to launch, run, and grow their practices. The platform offers two core membership tiers (Emerald and Sapphire) bundled with a curated technology stack of integrated compliance, financial planning, CRM, portfolio management, and payment tools, plus optional add-on services for compliance, investment management, bookkeeping, and member launch resources.

Product overview

XYPN operates as an advisor support platform offering two membership tiers (Emerald and Sapphire) that enable independent, fee-only financial planners to launch, run, and grow their RIA firms. Emerald provides foundational membership with subscription-based pricing for advisors seeking autonomy, while Sapphire offers a turnkey corporate RIA affiliate model with built-in compliance and back-office support. The platform is augmented by optional add-on services including Compliance Support, Investment Management, Bookkeeping, and Member Tools & Kits. A curated technology stack of 20+ partner integrations (including Wealthbox, Orion, RightCapital, Smartria, eMoney, and QuickBooks) is included in membership or available at exclusive member discounts, enabling RIAs to manage client relationships, portfolios, compliance, and operations. Additional offerings include the Find an Advisor client-matching portal, XYPN Academy for education and CFP credits, and XYPN LIVE annual conference. The platform guarantees 100% ownership of business, client relationships, data, and brand to members.

Differentiator

Problem solved

Functional benefit

Brands

• Emerald: Membership program for advisors who want complete control over their RIA with hands-on operations and flexible add-on support services.
• Sapphire

Products and services

• Emerald Membership Core subscription-based membership tier for fee-only advisors who want total control over their RIA with hands-on daily operations and flexibility to add or remove support services as needs evolve.
• Sapphire Membership Turnkey corporate RIA affiliate model providing built-in compliance and operational support, enabling advisors to transition clients while maintaining their brand and independence for a monthly fee plus revenue percentage.
• Compliance Support End-to-end RIA compliance services including CCO support, SEC/state registration, ADV updates, regulatory exam prep, and ongoing compliance monitoring with weekly office hours and a dedicated compliance team.
• Investment Management Turnkey asset management and portfolio management support solutions for RIA firms and their clients, integrated with the Orion portfolio management platform.
• Bookkeeping Compliant bookkeeping solution for RIA firms handling accounting and financial record management so advisors can focus on business growth.
• Member Tools & Kits Launch kits and ongoing tool resources for new and established RIAs, including registration setup, compliance implementation, and system configuration support.
• Find An Advisor Platform CFP-designated search portal where prospective clients can find and connect with fee-only fiduciary advisors in the XYPN network.
• XYPN LIVE Conference Annual conference for fee-only advisors featuring networking, education, and professional development opportunities.

Quantifiable outcome

• 90% of members rate their experience as 'High satisfaction'
• +1 more outcomes

Named customers10 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core.

• WealthboxcoreTechnology or IntegrationIncluded in membership - CRM software for RIA practice management with enterprise-negotiated partnership pricing
• RightCapitalcoreTechnology or IntegrationIncluded in membership - Financial planning software with enterprise-negotiated partnership pricing
• HolistiplancoreTechnology or IntegrationIncluded in membership - Tax planning software for financial advisors
• OrioncoreTechnology or IntegrationIncluded in membership - Portfolio management and trading platform for investment management
• AdvicePaycoreTechnology or IntegrationIncluded in membership - Fee billing and payment platform for fee-only advisors
• SmartriacoreTechnology or IntegrationIncluded in membership - Compliance and task management software for RIA regulatory management
• FP PathFindercoreTechnology or IntegrationIncluded in membership - Financial planning education and certification support platform
• ElementscoreTechnology or IntegrationIncluded in membership - Client data and document management platform for RIAs

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Others

• Wealthbox: CRM platform built for financial advisors. Comparable as a core integrated technology partner within XYPN's curated tech stack.
• Orion Advisor Solutions: Portfolio management, trading, and reporting technology provider for RIAs. Comparable as a core technology partner that delivers part of XYPN's bundled tech stack.

Broad incumbents

• Cetera Financial Group: Large broker-dealer and RIA platform providing technology, compliance, and practice management to independent advisors. Comparable incumbent in the advisor-support ecosystem.
• LPL Financial: Largest independent broker-dealer in the US offering custody, technology, and compliance to thousands of advisors. Comparable as broad incumbent in the advisor-support infrastructure space.
• Commonwealth Financial Network: Independent broker-dealer serving RIAs and financial advisors with technology, compliance, and practice management support. Comparable as broader incumbent targeting independent advisors.

Direct peers

• Dynasty Financial Partners: Provides turnkey support, technology, and capital to breakaway advisors building independent RIAs. Highly comparable in serving advisors seeking independence from wirehouses with integrated compliance and operations.
• Sanctuary Wealth: Supports breakaway advisors transitioning to independence with technology, compliance, and back-office services. Closely mirrors XYPN's Sapphire-style turnkey model for advisors wanting affiliation without full DIY operations.
• HighTower Advisors: Partner-led platform for breakaway advisors offering custody, operations, compliance, and investment support. Comparable in providing enterprise-grade infrastructure for independent advisors.
• Focus Financial Partners: Wealth management partnership serving independent RIAs with capital, technology, and operational support. Directly comparable in enabling advisor independence and growth.
• RIA in a Box: Compliance and operations platform specifically designed for RIAs launching and running independent firms. Closely comparable to XYPN's compliance support and Emerald membership focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/teamXYIS
• Facebookfacebook.com/xyplanningnetwork
• LinkedInlinkedin.com/company/xy-investment-solutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about XY Investment Solutions