Overview of Network
The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
Specialize in Gen X & Gen Y
Our advisors are specialists in working with clients just like you. They are the leading experts in topics related to your situation. You can see if a particular advisor has expertise in a specific area on their Advisor Profile.
Financial Planning Focused
We believe that consumers are looking for more than investment advice, and are seeking full financial planning. All of our advisors provide comprehensive financial planning, which can include services such as: Cash flow, debt management, estate planning, insurance planning, tax planning, real estate analysis, career planning, retirement planning, and investment advice and/or management.
Work Virtually
While most of our advisors work with local clients, all of our advisors provide services on a virtual basis using cutting edge technology to clients that request it. We understand that you are busy, and taking a half-day off work to travel to your financial planners office isn’t always possible. By providing services virtually, you can receive the highest level of service in the most efficient, convenient way possible. We connect you with the best financial advisor for your unique financial situation, even if they do not have an office in your immediate area.
Ideal Fee Structure For You
Our advisors are committed to offering services in a way that makes the most sense for you. Their goal is to help you plan for your future, and live the life of your dreams. We pay for our lives on a monthly basis, so why shouldn’t you pay for financial planner monthly for on-going services? All of our advisors offer monthly retainer services in order to best serve you. Additionally, our advisors do not require asset minimums for you to work with them so you never have to worry about not having enough money to hire a financial planner.
Fee-Only
Fee-only means our advisors do not accept commissions, referral fees, or kickbacks of any kind. We believe these under-the-table payments introduce conflicts of interest between clients and advisors, when the two parties should be working together to reach the same goal: your financial well being. The only compensation our advisors receive for services is directly from you the client. Our advisors never sell any kind of investment or insurance product for the purpose of receiving a payment.
Fiduciaries
We believe consumers deserve a financial advisor who is fully committed to doing what is best for their clients. Our advisors sign a Fiduciary Oath demonstrating their commitment to always work in the best interest of their clients—a signed copy is available on their Advisor Profile. You wouldn’t go to a doctor or attorney who wasn’t always working in your best interest, so why choose a financial advisor whose first priority isn’t you? You can rest assured that our advisors are working in your best interest, not just trying to sell you a product that earns them the largest commission.
CFP® Professionals
The CFP® designation is the recognized standard of excellence for advisors providing competent and ethical personal financial planning, and is a requirement for all of our advisors. In order to obtain the CFP® designation advisors must:
- Possess a college degree in addition to the CFP® specific course work
- Have a minimum of 3 years of professional experience providing financial planning services
- Pass a comprehensive exam
- Maintain continuing education and strict ethics requirements
Experienced Advisors
All of our advisors have at least 3 years of experience working with clients to provide financial planning services.
