XYPN LIVE - The Home of AdviceTech Innovation

We’re excited to recognize the impact XYPN LIVE’s AdviceTech (né FinTech) Competition has had in shaping the face of financial planning. In an ongoing effort to raise the financial planning bar, the competition has provided emerging FinTech companies with a platform to demo their innovative solutions that empower financial advisors and increase value for clients through better advice and a better client experience.

In 2016, XYPN LIVE hosted its inaugural XYPN FinTech Competition. It broke ground as the first-ever speed-pitch fintech competition to spotlight innovative new technology companies built specifically for financial planners and to recognize one outstanding solution. It gave relatively unknown (at the time) startups a chance to demo how they were changing the way real planners run their practices and serve their clients.  Most importantly, it aligned with XYPN’s mission to make real financial planning accessible and profitable.

With the application now live until July 16th, 2026, for XYPN’s 2026 AdviceTech Competition and an expected 1,000 attendees at XYPN LIVE in San Diego this September/October, let’s take a look back and explore just what this event is all about and how it’s helped to change financial planning for the better.  

The Why

While the speed-pitch format wasn’t novel in and of itself, XYPN’s FinTech competition was, and still is, unique in that it specifically focuses on the needs of real financial planners. 

XYPN Founders Alan Moore and Michael Kitces recognized early on that the needs and priorities of fee-only comprehensive planners are often very different from those of traditional financial institutions like banks and wirehouses, or even from those of typical wealth managers whose investment management services make up the meat of their value proposition. Simply put, real financial planners have different software needs than traditional financial services. 

They wondered what a software competition could look like if the solutions presented were less focused on gathering wallet share and AUM, or on enterprise-level compliance oversight, and more on helping CFPs grow their planning practices and give better advice.

At the same time, they recognized that companies developing tech specifically for XYPN’s audience, some founded by XYPN members themselves, faced their own unique challenges. Often, these “homegrown” technologies, built by planners for planners, didn’t have the budget or venue to market to their peers as effectively as traditional software providers. Without a platform to gain visibility among the right kinds of planners, creating real traction could be tough, and potentially game-changing solutions might simply disappear before reaching critical mass. This is also why XYPN vets every exhibitor application to ensure the vendor is one attendees actually want to engage with, and why our Exhibit Hall isn’t packed with fund companies and wiz-bang investment solutions. 

Since that first competition on a sunny day in San Diego in 2016, almost 150 companies working to change modern planning practice have applied to debut their solutions at XYPN LIVE. 

Things have changed over the years, notably the name (from the Fintech Competition to the AdvisorTech Expo). Still, the criteria have remained essentially the same. Eligible techs need to meet one or more of the following requirements to be considered:

• Have launched in the last 12 months
• Have less than $1 million in revenue
• Be an existing company with a new offering, substantively different from its existing solutions, that is independently priced

And so, while the competition may not be the official launch day for all participating companies, for many, it is their first real chance to showcase their work on a big stage. And given the relative newcomer status each company has needed to demonstrate, the list of winners (and even non-winners) and their subsequent progress is impressive. Let’s take a look:

Past Winners:

• Ranked #2 in market share in the Digital Marketing category (2023 Kitces AdvisorTech Study)
• Recognized in 2021 Best Places to Work in Financial Technology 
• Now hosts its own conference (Jolt!) for financial advisor marketing. Includes the Jotl! Awards for outstanding marketing campaigns in the space (notably, recognizing former XYPN FinTech Competition Finalist, Altruist, for its Human Advisor Series podcast in 2022)
• Ranked #2 in Digital Marketing Tools with 4.09% of market share (2026 T3 Inside Information Software Survey)
• Ranked #1 in Digital Marketing Tools with  Programs Respondents Are Considering  (2026 T3 Inside Information Software Survey)
• Vestwell (2017)
  • Raised $125M in series D in 2023
  • >300,000 businesses and 1M individuals on the platform
  • Selected by Intuit as Exclusive Partner to Deliver QuickBooks 401(k) to Millions of Small and Mid-Market Businesses
  • In 2025,  the Series E doubles Vestwell’s valuation as the company surpasses 2 million active savers, $50 billion in assets, and $200 million in annual recurring revenue, and has raised $385 million in Series E funding. 
• Mineral Interactive (2018) 
  • Acquired by Carson Group in 2018
  • Owner/Founder Jud Mackrill, now the Co-Founder and CMO of Milemarker, a leading provider of RIA data utilization and operations, workflow, and advisor-experience management services.
• Holisitplan (2019) 
  • Grown from “dozens of users” in 2019 to >28,000 total users today
  • Described as “most dominant” in an individual category with 59% advisor market share among advisors using Tax Planning tools (2023 Kitces AdvisorTech Study)
  • Ranked #1 in Retirement Distribution Planning Programs Respondents Are Considering (2023 T3 Inside Information Software Survey
  • Ranked #1 in Estate Planning Tools Respondents Are Considering (2026 T3 Inside Information Software Survey)
  • Has the highest market share of 38.92% in Tax Planning Tools (2026 T3 Inside Information Software Survey)

• Note: No competition was held in 2020. In 2021, an Expo-only event was held; no winner was selected. 
• IncomeLab (2022 - Life Hub and 2023 - Retirement Stress Test) 
  • Product launch in 2021. Now #1 in Retirement Distribution Planning market share (2026 T3 Inside Information Software Survey and 2023 Kitces AdvisorTech Study)
  • Also ranked #3 in Social Security Analysis tools Programs Respondents Are Considering (2026 T3 Inside Information Software Survey)

• CurrentClient (2024 - Best In Show)
  • Raised $1.25 million in seed funding led by Thicket Ventures to accelerate growth and product development
  • High user ratings with 8.80 in Social Media/Text Messaging Archiving Resources (T3 2026 Report)
  • Built a communication platform designed specifically for financial advisors and RIAs with a focus on compliant client engagement
  • Secured institutional backing and board-level support from fintech-focused investors as the company scales within the advisor technology space

• Waterlily (2025 - Best In Show & Advicer's Choice)
  • High user ratings with 8.28 in Healthcare Planning Tools (T3 2026 Report)
  • Raised nearly $10 million in total funding, including a $7 million seed round led by Brewer Lane Ventures, to expand its AI-powered long-term care planning platform
  • Built partnerships with major financial services and insurance organizations, including Prudential, Nationwide, Genworth, and Edward Jones Ventures, while rapidly growing adoption among financial advisors

Also Notable:

• Altruist (2019 finalist)
  • >$290M in outside funding to date
  • 3rd largest number of RIAs served among custodians (behind Schwab and Fidelity)
• FINNY (2025 finalist)
  • Raised more than $20 million in total funding, including a $17 million Series A led by Venrock, to expand its AI-powered growth and prospecting platform for financial advisors
  • Built an AI-native prospecting and marketing engine designed specifically for financial advisors, helping firms identify, prioritize, and engage high-intent prospects more efficiently
  • Rapidly gained industry traction, serving more than 500 advisory firms and earning recognition for its AI-enabled advisor growth technology within the wealth management space

“The impact was immediate,” said Holistiplan Co-Founder, Roger Pine, of the company’s 2019 win. “We were already somewhat known among our former NAPFA colleagues, but the XYPN win gave us a level of legitimacy that would have taken us at least a year, and possibly years to establish. Maybe most importantly, it made us realize and fully understand ourselves that we were for real. If there was ever any question that [Holistiplan] was just a hobby project, that question was firmly answered when we were called up to the stage that evening.”

And fintech companies interested in attracting real financial planners to their platforms have taken notice. “From the get-go, we had our eyes set on the Fintech Competition,” shared IncomeLab Co-Founder and CEO Johnny Poulsen. “It wasn’t about winning a contest. [The XYPN FinTech competition] was the contest. The year after, we tripled our business. We had a storm of XYPN members coming to us afterward and have seen very strong growth since.”

As a former competitor in the competition myself (as a Co-Founder of College Aid Pro - 2019, Honorable Mention), I can relate. I still get chills remembering being called up to the stage to be recognized in front of hundreds of our peers and friends. In an age when companies are constantly vying for our attention, financial planners are particularly sensitive to being marketed and sold to. To have Alan Moore, Michael Kitces, and Maddy Roche publicly congratulate you on what you’ve built for the community is special.

Notably, other past competitors have defined entirely new categories. The “Client Communication” category of the T3 Survey currently includes three companies, all past XYPN FinTech Competition Finalists:

• Pulse360 (Finalist, 2021 and 2023)
• Knudge (Finalist, 2019)
• Bento Engine (Finalist, 2023)

This affirms the event’s original intent. Where the industry at large may focus heavily on business development solutions and new financial products to sell, real financial planners have different needs. They want solutions that help them keep their clients informed and engaged in the ongoing financial planning relationship, or that dive deep into specialist planning areas to provide real, meaningful guidance.

The 2026 XYPN LIVE AdviceTech Competition

This year, we’ve decided to iterate on the event further. We’ll bring back the competition style with a fresh panel of expert judges awarding the “Best in Show” prize. Recognition and facetime with these founders, trendsetters, and investors will bring new visibility and momentum to finalists and especially the judges’ favorite. 

We’ll also keep the attendee voting alive to award an “Advicer’s Choice” - the most impressive finalist as judged by the actual financial “Advicers” in the room (the company’s ideal customers). Those in attendance may also have the chance to gain early discounted access to Finalist technology, only available at XYPN LIVE. 

In addition to these evolutions in the competition, we’re bringing back several initiatives to foster innovation in the AdviceTech space including the Tech Showcase to show how real XYPN members are using a specific tech in their own practices, the discounted Newcomer Exhibitor package, a new scholarship program (by application) for pre-revenue startups serving real planners, and other initiatives to highlight the AdviceTech of tomorrow. 

“Over 25 years, I’ve been to hundreds of conferences across the industry,” says IncomeLab’s Poulsen. “This is my favorite and Income Lab's favorite. There’s something different about the energy of this conference than any other. XYPN has built an environment where people truly value education and knowledge. It’s impressive.”

We hope to see you there!

Is there a new technology you’d like to see recognized as a game-changer for real financial planners? Share this application with them and encourage them to compete in this year’s XYPN LIVE AdviceTech Competition for bragging rights and more!